在阐述影响还款负担的主要因素的基础上，对我国国家助学贷款偿还模型的改进提出了一些合理化建议。
On the basis of expounding major factors affective the student loan burden, we put forward some suggestions for improving the NSLC repayment model in China.
该模型运用货币资金时间价值理论，假设高校可用于偿还贷款本息的非限定性净收入呈稳定增长的态势。
With the timing value of cash theory, the model supposes that the unlimited net revenue which can be used to pay off the debt increases steadily.
所面对的困难与障碍一方面在于我国住房抵押贷款起步较晚，同时提前偿还数据不完整，很难对提前偿还模型进行定量分析；
The difficulties we faced are following: firstly, there is not enough prepayment data, it's difficult to apply a quantitative analysis on the prepayment model;
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