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【多选题】
国家助学贷款实行“财政贴息、风险补偿、信用发放、专款专用和按期偿还”的原则。下列对各原则解释正确的有______。A.
财政贴息是指国家以承担部分利息的方式，对学生办理国家助学贷款进行补贴
B.
风险补偿是指根据“风险分担”的原则，按当年实际发放的国家助学贷款金额的一定比例对经办银行给予补偿
C.
信用发放是指学生不提供任何担保方式办理国家助学贷款
D.
信用发放是指学生在取得保证人同意后可以不提供任何担保方式办理国家助学贷款
E.
专款专用是指国家助学贷款仅允许用于支付学费、住宿费，不得用于生活费用及其他方面
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