Legal analysis: Yes, student loans do not need guarantees. Need * * * with the borrower. If the parents of the borrowing students lose their ability to work or have capacity for civil conduct due to special circumstances such as disability or illness, other immediate family members of the borrowing students can be used as * * * borrowers.

Legal basis: Article 10 of the Operating Rules for the National Student Loan of Bank of China requires the borrower to provide at least one witness when applying for the national student loan. In principle, the witness is the borrower's class teacher, full-time counselor or their parents, and others need the lender's consent as witnesses. Witnesses should do the following work:

(a) to provide the lender with my identity card or work permit and a copy;

(2) Assist the introducer and the lender to understand the borrower's relevant information, including the borrower's home address, parents' names, their work units, contact information and other real information, and sign the borrower's national student loan application form;

(3) Assist the lender to know the latest whereabouts and effective contact information of the borrower after graduation;

(four) to educate and urge borrowers to fulfill their obligations of repaying principal and interest on time.