A student loan , how does it work? What are the benefits and risks of student loans ? What types of student loans exist? Many of you ask yourself these questions, which is why we offer a focus on the student loan . A student loan, how does it work? Most students consider one day or the other, ... fixed rate remains the same throughout your contract. * Insurance is compulsory It allows the student to cover the risk of death, permanent and total disability, incapacity to work.