1. When college students borrow money to study, they apply for a student loan. Student loans include national student loans and student-origin student loans. The interest-bearing methods of the two loans are the same as those of other loans, and they all bear interest according to the loan amount, loan interest rate and loan term. The interest rates of national student loans and students' student loans are also the benchmark interest rates for loans in the same period stipulated by the People's Bank of China.

2. As for the benchmark interest rate of central bank loans, it is:

(1) Various loans: 4.35% within one year (including one year), 4.75% from one year to five years (including five years) and 4.90% over five years;

(2) Provident fund loans: less than five years (including five years): 2.75%, more than five years 3.25%.

3. Because the student loan is a commercial loan, the average student will start to repay the loan principal and interest in installments according to the loan contract two years after graduation from the normal academic system, so the interest rate of the student loan will generally be 4.90% and will not rise. During the study in school, the interest on student loans is fully subsidized by the government, and students need to bear the responsibility of paying loan interest after graduation.