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    <dcat:Catalog>
        <dcat:dataset>
            <dcat:Dataset>
                <dct:description xml:lang="kr">한국장학재단의 학자금대출 및 상환 통계 정보로, 매년 전년도 현황 기준으로 연도별 학자금 대출규모(금액, 건수(인원))를 제공하는 통계연보 자료임<br/><일러두기><br/>1. 통계전반에 걸쳐서 사용된 기호 ‘-’의 뜻은 ‘해당사항 없음’이거나 ‘0’을 의미함<br/>2. 연도 내 합계는 각 학기 수치의 단순 산술 합계이므로 중복 인원이 발생할 수 있음<br/>3. 자료 수치는 반올림 처리로 인하여 세목의 합계와 전체 합계가 일치하지 않을 수 있음<br/>4. 1인당, 1건당 금액은 단순 계산값으로 실제로 수혜한 1인당, 1건당 금액과 다를 수 있음<br/>5. "소득구간", "소득분위" 용어가 2020년부터 "학자금 지원구간"(약칭: 지원구간)으로 변경됨<br/>6. 학자금대출, 상환, 잔액, 연체 등 각 주제별(성별, 연령별, 시도별 등) 현황은 대출 당시 기준임<br/>7. 학점은행제 학습자 학자금대출(2023년 최초 시행)은 일반상환 학자금대출에 포함됨</dct:description>
                <dct:description xml:lang="en">This is statistical yearbook data that provides the size of student loans (amount, number of cases (people)) by year based on the previous year&amp;#39;s status with student loan and repayment statistics from the Korea Student Aid Foundation. <Note> 1. The symbol &amp;#39;-&amp;#39; used throughout the statistics means &amp;#39;not applicable&amp;#39; or &amp;#39;0&amp;#39;. 2. The total within the year is a simple arithmetic sum of the figures for each semester, so there may be duplicate figures. 3. The sum of the details and the total may not match due to rounding. 4. The amount per person and per case is a simple calculation and may differ from the actual amount per person and per case that benefited. 5. The terms &amp;#39;income section&amp;#39; and &amp;#39;income quintile&amp;#39; have been changed to &amp;#39;student loan support section&amp;#39; (abbreviated as support section) from 2020. 6. The status of each topic (by gender, age, city/province, etc.) such as student loans, repayment, balance, and delinquency is based on the time of loan. 7. Credit Bank System student loans (first implemented in 2023) are included in general repayment student loans.</dct:description>
                <dct:title xml:lang="kr">한국장학재단_학자금대출 통계 정보(통계연보)</dct:title>
                <dct:title xml:lang="en">Korea Student Aid Foundation_Student Loan Statistical Information Statistics Annual Report</dct:title>
                <dct:issued rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2025-08-12</dct:issued>
                <dct:modified rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2025-11-06</dct:modified>
                <dct:publisher>
                    <foaf:Organization>
                        <foaf:name>한국장학재단</foaf:name>
                        
                    </foaf:Organization>
                </dct:publisher>
                <dcat:contactPoint>
                    <vcard:Organization>
                        <vcard:organization-unit>AI데이터전략부</vcard:organization-unit>
                        <vcard:hasTelephone rdf:resource="053-210-6463"/>
                    </vcard:Organization>
                </dcat:contactPoint>
                <dct:conformsTo ></dct:conformsTo>
                <dcat:theme>교육 - 고등교육</dcat:theme>
                <dcat:keyword xml:lang="kr">학자금,대출,상환,취업 후 상환 학자금대출,일반 상환 학자금대출,농촌출신대학생 학자금융자,정보보증 학자금대출</dcat:keyword>
                <dcat:keyword xml:lang="en">Scholarship,Loan,Repayment,Student loans repaid after employment,General Repayment Student Loans,Scholarship for college students from rural areas,Information Guarantee Student Loan</dcat:keyword>
                <dct:rights>이용허락범위 제한 없음</dct:rights>
                <dct:accrualPeriodicity>연간</dct:accrualPeriodicity>
                
                <dcat:landingPage rdf:resource="https://www.data.go.kr/data/3060497/fileData.do"/>
                <dcat:distribution>
                    <dcat:Distribution>
                        <dct:accessURL ></dct:accessURL>
                        <dcat:description></dcat:description>
                        <dcat:format>zip</dcat:format>
                        <dct:issued rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2025-11-06</dct:issued>
                        <dcat:title>한국장학재단_학자금대출 통계 정보(통계연보)_20241231</dcat:title>
                    </dcat:Distribution>
                </dcat:distribution>
                <dct:spatial></dct:spatial>
                <dct:temporal></dct:temporal>
            </dcat:Dataset>
        </dcat:dataset>

        
    </dcat:Catalog>
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