Nowadays，student loans provided by state-owned commercial banks are available to more and more college students. The money may not be much but it is timely support for those who have great difficulty payingtheir tuition fees. The aim of the student loan policy is to achieve a win-win outcome for both college students and commercial banks.

　　However，to our disappointment，the proportion of students who have failed to repay the loans in time is high. For some reason，a number of students are really unable to make timely repayments after graduation. But many other students who are able to repay refuse to pay back the student loans in time. The increase of default payment has caused greater costs and risks to banks.

　　As far as I am concerned，we students should increase our awareness of credit. We should try our best to repay the loans in time. If we are not able to，it is necessary to inform the bank as soon as possible and apply for an extended repayment. Only in this way can everyone involved benefit from the student loans.