At least 16 years old, with full capacity for civil conduct (written consent of legal guardian is required for minors to apply), holding People's Republic of China (PRC) identity card.

2. Full-time undergraduate students (including higher vocational students) in ordinary colleges and universities, or students with second bachelor's degree or graduate students, have obtained a true, legal and effective admission notice or can provide a student ID card issued by the school.

3. The family is in financial difficulties, and the income obtained is not enough to pay for the tuition and accommodation needed to complete their studies during their school days.

4. Honest and trustworthy, law-abiding, no illegal behavior.

And students need to study hard and finish their studies. Student loans do not require borrowers to apply for loan guarantees or mortgages, as long as they promise to repay on time and bear relevant legal responsibilities. Students who want to renew their loans in the second year can apply directly in official website and print the receipt to the school.