【中文版】

助学贷款是国家为了帮助贫困学生完成学业而设立的贷款项目。一般情况下，助学贷款会在每年的6月至8月之间发放，具体时间会根据不同学校和银行而有所不同。

在申请助学贷款时，学生需要准备好相关的申请材料，包括身份证、学生证、家庭经济状况证明等。提交申请后，学校和银行会审核申请人的资料，并决定是否给予贷款。

如果贷款成功，资金会直接打入学生的银行卡或学校指定的账户中。需要注意的是，贷款发放后，学生应该及时还款，以免影响个人信用记录。

助学贷款对于贫困学生来说非常重要，因为它可以帮助他们解决学费和生活费的问题，让他们能够顺利完成学业。同时，助学贷款也促进了教育公平，让更多的贫困学生有机会接受高等教育。

【英文版】

Student loans are a loan program established by the government to help poor students complete their studies. Generally, student loans are disbursed between June and August each year, with specific times varying depending on different schools and banks.

When applying for a student loan, students need to prepare relevant application materials, including ID cards, student IDs, and proof of family economic status. After submitting the application, the school and bank will review the applicant's information and decide whether to grant the loan.

If the loan is successful, the funds will be directly deposited into the student's bank account or the school-designated account. It should be noted that after the loan is disbursed, students should repay the loan promptly to avoid affecting their personal credit records.

Student loans are very important for poor students because they can help them solve problems with tuition fees and living expenses, allowing them to complete their studies smoothly. At the same time, student loans also promote educational equity and provide more poor students with opportunities to receive higher education.