Grant loans solve financial problems for poor students, assuring equity of higher education and improving efficiency of financial aid;

• 助学贷款帮助贫困生解决经济困难，保证了教育公平，它与助学金等有偿资助比较，避免了因教育价格过低而产生的社会教育需求过度现象，提高了高等教育资助效率。