Core Viewpoint - The National Development Bank's Liaoning branch is actively working with the provincial education department to enhance the National Student Credit Loan program, aiming to ensure that financially disadvantaged students in Liaoning can access education and support their academic pursuits [1][2] Group 1: Loan Program Features - The National Student Credit Loan is a crucial financial tool for alleviating the financial burden of tuition, accommodation, and living expenses for students [1] - The program supports a wide range of applicants, including full-time undergraduate and graduate students [1] - The loan amounts are significant, with undergraduates eligible for up to 20,000 yuan per year and graduates up to 25,000 yuan [1] - The interest rate is favorable, currently set at 2.8%, which is 0.7 percentage points lower than the market rate for loans over five years, with the government covering interest during the study period [1] - Flexible repayment options are available, including early repayment without interest if settled before graduation, and a maximum loan term of 22 years [1] Group 2: Implementation and Outreach - In 2023, the Liaoning branch issued 647 million yuan in loans, supporting 39,500 financially disadvantaged students [1] - The bank plans to enhance its promotional efforts through local media and official platforms to raise awareness of the loan policies [2] - Initiatives include offline seminars, online live broadcasts, and distributing promotional materials to high school and college students to ensure comprehensive outreach [2] - The goal is to facilitate a direct understanding of the student loan program's nature and significance among families, transitioning from formal documentation to practical engagement [2]