本文对生源地助学贷款进行了深入分析,建立了计算助学贷款利息的三类模型,即正常还款模型,提前还款模型、逾期还款模型。同时通过一道简单应用题,提出了三个问题,并一一用以上建立的模型得出了准确的答案,为指导学生正确计算贷款利息,理解国家的助学贷款政策有很大的帮助。 In this paper, we make an in-depth analysis of students’ loan origination and set up three types of models to calculate the interest of student loans: normal repayment model, prepayment model and overdue repayment model. At the same time, I put forward three questions through a simple application question, and come to an accurate answer one by one with the model established above. It is of great help in guiding students to correctly calculate loan interest and understand the country’s student loan policy.