美国联邦学生贷款制度、偿还机制及违约处理  

U.S.Federal Student Loan System, Repayment Mechanism and Treatment for Default

作　　者：陶红[1] 

机构地区：[1]北京理工大学,高等教育研究所,北京100000

出　　处：《教育与经济》2005年第1期59-62,共4页Education & Economy

摘　　要：联邦教育贷款是政府提供担保、以学生预期收益为基础的信用贷款。联邦政府对大学生的贷款是一种必须偿还原贷和利息的高等教育资助形式,是联邦资助的主要形式,其偿还机制中的制度性建设非常重要,关系到助学贷款能否持续、健康发展。本文就美国联邦学生贷款制度、偿还机制及违约处理作一剖析,以对我国助学贷款中存在的问题有所启示。Federal Student Loans are the credit loans which the goverment supplies the warranty, basing on the anticipation revenue of the students. Federal loans are low-interest loans for both undergraduate and graduate students with financial need and must be repaid. It is very important to build the replying system which impact the progress of the Federal Student Loans.This article introduces the Federal Student Loans and the replying and default management system in Federal Student Loans and hopes It giving us some helps.

关 键 词：联邦教育贷款 偿还机制 违约处理 美国 信用贷款 高等教育 

分 类 号：G649.712[文化科学—高等教育学]