Student Credit - Supporting Dreams in Border Areas

Step up unfinished dreams

In the border commune of Tan Tien, Dong Nai province, Nguyen Duong Khanh Linh's family once faced the risk of putting aside their university dream after 12 years of studying. The family's economy was tight, and the cost of studying was too high. But thanks to access to student credit capital, Khanh Linh was able to continue her journey of knowledge. She is currently a first-year student at Ho Chi Minh City University of Education.

Sharing about this support, Khanh Linh said: “The student loan will help my parents to suffer less and help me to study with peace of mind. I will try to study well, after graduating I will find a stable job to help my family pay off the debt and build the future.”

With a difficult family, thanks to student loans, Nguyen Duong Khanh Linh is now a first-year student at Ho Chi Minh City University of Education. Photo: Van Doan

Not only Khanh Linh, the story of Mrs. Nguyen Thi Hue , a resident of Tan Nhan hamlet, Tan Tien commune, also clearly demonstrates the humane meaning of this policy. Six years ago, when her eldest daughter had just entered university, her husband had a serious accident and lost the ability to take care of himself. Many burdens fell on the mother's shoulders. In that situation, the loan of 40 million VND/year from the Social Policy Bank (CSXH) became a lifesaver.

Mrs. Hue emotionally said: “My husband had an accident so our family had a lot of difficulties. Luckily, the bank gave us a student loan to support our two children's education. Without that capital, we probably wouldn't have survived. Thanks to that, the children have now graduated and have stable jobs.”

Such stories are not uncommon in border areas and disadvantaged ethnic minority areas. Each loan not only reduces the financial burden but also opens up opportunities for children in rural and mountainous areas to access knowledge and change their lives.

Ms. Nguyen Thi Hue is excited and proud that her two children have stable jobs after graduating from school thanks to student loans. Photo: Van Doan

According to Mr. Nguyen Ngoc Diep, Director of the Social Policy Bank branch in Bu Dop area, currently in this border area, there are more than 700 households borrowing capital for their children to study at universities, colleges and other professions, with a total outstanding debt of over 40 billion VND. Mr. Diep emphasized: “Through the student credit program, students have access to capital, use it effectively, helping their families overcome difficulties and rise up. This is also a way to create a quality human resource, ensuring that students have jobs and a stable life after graduation.”

Looking back over 17 years of implementation, it can be affirmed that the preferential credit program for students is one of the most effective social security policies. Not only does it help students on their path to education, this policy also contributes to creating fairness in education, narrowing the gap between urban and rural areas.

Especially in border areas, preferential credit policies are not only financial support, but also a belief to help families worry less, help children have more motivation to study, and from there return to serve their homeland, contributing to preserving and developing border areas.

Humanitarian policy, spreading trust

Since its inception, the Student Credit Fund has demonstrated its strong influence. Millions of children have entered university, tens of thousands of graduates have graduated with stable jobs, supporting their families and contributing to society. This policy has also contributed to the formation of quality human resources to serve the country's development.

Many families shared that without the credit program, their children would be forced to stop their dream of studying and go to work early, and the vicious cycle of poverty would continue. Thanks to the support of the State, many young generations can change their fate and create a new future.

After nearly two decades, Decision 157 is not only an administrative document but has become a real “support”. For poor and near-poor households and people in remote areas, this is a door to hope. This policy not only provides financial support but also conveys the message: Every dream of studying deserves to be supported.

Over the years, the Social Policy Bank branch in Bu Dop has always been a support for many poor students to continue their dream of studying. Photo: Van Doan

Mr. Nguyen Ngoc Diep shared: “Bu Dop is a border area with a large population of ethnic minorities, and people's lives are still difficult. In the past, taking care of their children's education after graduating from high school was a heavy burden. However, thanks to propaganda work and timely access to student credit, many students have had the opportunity to continue their studies, graduate, have stable jobs and gradually pay off their debts. This is truly a motivation and belief for families in the border area to firmly walk with their children on the path to self-reliance and career development.”

In today’s lecture halls, countless students are studying hard thanks to preferential credit loans. In the future, when they grow up to become teachers, engineers, doctors, officials, etc., this policy will continue to spread its value, turning a loan into a motivation to change their whole lives.

Literary Group

Source: https://baodongnai.com.vn/xa-hoi/202508/tin-dung-hoc-sinh-sinh-vien-be-do-uoc-mo-noi-vung-bien-ab20fcb/