National Student Loan is a measure to solve the financial difficulties in students' learning and life in college.The development of National Student Loan benefits government to promote social harmony and stability,and helps colleges and universities to ensure school funding and improves policy system funded students with financial difficulties.Also it helps students to overcome financial difficulties and seize opportunities for higher education,and every student has the effective enjoyment of equal rights of access to education.Meanwhile,it helps banks to expand their business to cultivate potential customers and provide opportunities for profit growth.However,there are some problems and conflicts in the evolution of China's National Student Loan.How to promote the national student loan better is a topic worthy of further study.Therefore,researching national student loan is of great practical significance.Through analysis of the problems of National Student Loans,such as in short supply,loan imbalance,excessive pressure on students to repay,and the issues of high default rates,this paper advances many reasonable proposals for improving China's policies on national student loan through making efforts to increase government loan subsidies,developing preferential repayment policies,strengthening the credit control of college students who apply for loan,etc.for mprovement of national student loan policy,and actively promoting the work of the National Student Loan healthy and orderly development.