Nowadays, college students who need financial aid can apply for student loans provided by state-owned commercial banks, which can help them pay their tuition fees and cover their necessary daily expense. Take Beijing Normal University as an example, the last year has witnessed that 245 college students applied for student loans.
However，to our disappointment, there is an increasing rate of students who have failed to refund the loans in time. Some students are really unable to repay the money after graduation because of unemploy-ment or some other reasons. But there are a number of students refu-sing to pay it back even though they can.
As for me，college students should increase their awareness of credit. Anyone in debt should try his best to repay the loans in due time. If they are really in great difficulty，it is proper to inform the bank as soon as pos-sible and apply for a delayed repayment. Only in this way can both college students and banks benefit from the policy.
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