With the development of higher education,the number of college students has increased greatly and so has the number of needy students which has won the attention of the government,colleges and society.
This paper analyses the present situation of the needy students in the colleges and universities and the financial aid policy and brings forward some countermeasures to solve this problem from the perspective of the government,colleges and society.
This paper analyzes the reason of dilemma of national educational loans from the perspective of information asymmetry,that is before lending the loaner is very cautious to applicants' speculation behavior,so to emerge "adverse selection" that non-poor students "deport" poor students in educational loans business,and result in difficulty in providing loans to needy students.
The article argues that realizing college needy students’ information file management and establishing the “green routeway” can prevent students from mental aberration and let students grow completely and healthily.
National Education Loan, which uses finance measure under the market economy system, is an important decision to deepen Higher Education Reformation and accelerate the continuable development of education. It’s also an effective measure to support the needy students to maintain learning.
'Grant loan' is the open credit provided by the commercial bank to the needy undergraduate, and it is also an economical policy applied by the state financially to support the education and subsidize the needy students.
Based on the researches and studies, improvement approaches in 2 aspects on how to perfect current system used to aid the needy students in universities are proposed. One is to strengthen the management scientifically on system used to aid the needy students to reach the best effectiveness.
Women, underrepresented minorities, and needy students received more gift aid than other student populations.
This longitudinal research study focused on persistence and financial aid of women, underrepresented minorities, and needy students majoring in science, engineering, and mathematics (SEM) in a large, public university in a metropolitan area.
Tracking Financial Aid and Persistence of Women, Minority, and Needy Students in Science, Engineering, and Mathematics
Ultimately United Student Aid Fund was better able to provide student loans to the most needy students with the lowest default percentages.
The situation itself is not new- assistance for needy students is as old as the American college.
This paper analyzes specifically the mental characteristics of needy students from five aspects and puts forward corresponding educational countermeasures.
Based on the current situation of grant in aid loan in instiutions of higher learning,the paper elaborates the seven factors restricting grant in aid loan in China.Attempt is also made to explore the seven measures to overcome the restricting factors.These measures will speed up the proceeding of grant in aid loan in institutions of higher learning and free the needy students from financial difficulty.
The article has analysed the fonnation about the needy students. It has suggested the governments, schools and the society to adopt some practical measures to support the needy studentds in the colleges and universi-ties in the present situation. Besides,it has provided the students effective ways to assist themselves through their own efforts.