Every year students are admitted to universities, colleges, intermediate .. And we also encountered countless lives are difficult but studious, college matriculation without money to cover and continue to go to school. To address many poor students face the risk of leaving school because they could not afford tuition. The Prime Minister issued Directive No. 21/2007 / CT-TTg on the implementation of the regime of preferential lending to college, vocational colleges and specify the responsibilities of the Ministry of Finance shall, together with the Ministry of Education and Training, Ministry of Labour - Invalids and Social Affairs, SPB plans on student loan rates, terms and methods of lending, payment method, after graduating from university, colleges and organizations immediately implement the 2007-2008 school year. Support programs for student loans continues to work so far, but there are some additions and changes. This new policy is aimed at helping students to borrow money to pay school fees and cover the learning task (1).
Policy support for student loans difficult circumstances is a very practical job and the necessity of the Party and State, have expressed concern for some segments of the population experiencing difficult circumstances in life are not eligible for their children to continue learning at a high level of education in the country. (2) However, at present there are some student loans but not loans and then continue again next school year according to the latest information for the following year VBSP 2010_2011 Official Letter No. 2287 / NHCS -TDSV will tighten the borrowers not on the poor and near poor. Also under the new rules, family child objects difficult to borrow only a maximum of 12 times (860,000 VND / month). Therefore, the case has been disbursed loans from 2010 and earlier are not lending anymore. This new rule has pushed thousands of students studying in the 2nd, 3rd or higher in extremely difficult situations when not borrow to cover funding study. Additionally, the notice of change SPB launched borrowers suddenly pushed into the passive SV, SV was at the time of enrollment, the school is required to pay tuition fees, many families have not able to respond. That made the students' demand for loans to rise. (3)
In addition, in the course of implementation still exist some beneficiaries of the loan program by Decision 157/2007 HSSV / QD-TTg spread led
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