Proceedings of the 2025 International Conference on Mental Growth and Human Resilience (MGHR 2025)

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Analysis of the System and Differences in Student Loans Between China and the United States

Authors
Xiangze Duanmu1, *
1Hunan Normal University College of Chemistry and Chemical Engineering, Changsha, Hunan, 410006, China
*Corresponding author. Email: 2785245041@qq.com
Corresponding Author
Xiangze Duanmu
Available Online 15 December 2025.
DOI
10.2991/978-2-38476-509-6_18How to use a DOI?
Keywords
Sino US student loans; System differences; System optimization
Abstract

As an important measure to promote educational equity, the system design of national student loans directly affects the educational opportunities of students from economically disadvantaged families. This paper analyzes the differences between China and the United States in terms of student loans and finds that the United States is guided by “universal coverage”, with large loan scales and multiple sources, while China focuses on “targeted assistance”, with limited coverage and funding sources. The study points out that there are some problems in China’s student loans, such as the lack of government-led vitality, a single source of funds, and the lack of flexibility in the repayment mechanism. Based on this, this paper suggests expanding loan coverage, adding diversified loan categories, attracting the participation of social capital, and designing differentiated repayment mechanisms to optimize the system design, better meet the multi-level needs of students, and promote educational equity.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 2025 International Conference on Mental Growth and Human Resilience (MGHR 2025)
Series
Advances in Social Science, Education and Humanities Research
Publication Date
15 December 2025
ISBN
978-2-38476-509-6
ISSN
2352-5398
DOI
10.2991/978-2-38476-509-6_18How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Xiangze Duanmu
PY  - 2025
DA  - 2025/12/15
TI  - Analysis of the System and Differences in Student Loans Between China and the United States
BT  - Proceedings of the 2025 International Conference on Mental Growth and Human Resilience (MGHR 2025)
PB  - Atlantis Press
SP  - 178
EP  - 185
SN  - 2352-5398
UR  - https://doi.org/10.2991/978-2-38476-509-6_18
DO  - 10.2991/978-2-38476-509-6_18
ID  - Duanmu2025
ER  -