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根据国务院办公厅和中国人民银行最新下发的《助学贷款管理补充规定》和《人民银行助学贷款管理办法》，助学贷款按用途分为学费贷款和生活费贷款，学费贷款按学生就读学校的学费标准发放；生活费贷款按学校所在地区基本生活费标准发放；贷款期限一般不超过8年，采取灵活的还本
According to the Supplementary Provisions on Student Loan Management and the Measures for the Management of Student Loan Loans issued by the People’s Bank of China under the State Council General Office and the People’s Bank of China, student loans are divided into tuition loans and living expenses loans according to their purposes. Of the standard fees paid; living expenses loans according to the school district where the basic standard of living allowance payment; loan period is generally not more than 8 years, to take a flexible return