Legal analysis: 1, apply for national student loan; 2. A copy of my student ID card and ID card; 3. I explain the family's financial difficulties; 4, township, town, street civil affairs departments and county education administrative departments to identify their family financial difficulties. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them.

Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Second, do you need proof of poverty for the first loan of student loans?

Not necessarily. The original intention of setting up student loans is to help college students from poor families complete their studies smoothly. Usually, students need to issue a poverty certificate stamped with the official seal of the local party Committee before they can apply for a student loan.

In recent years, except for student-origin student loans, which require strict proof of poverty, other types of student loans do not need to provide proof of difficulty, but only students' personal commitment to repay on time.

The loan policy varies from place to place. In some places, student loans from students' places can also be exempted from issuing poverty certificates, depending on local requirements.

3. What steps and proofs are needed to apply for a student loan?

Applying for a national student loan generally goes through the following steps: (1) Students who apply for a loan submit a written application to their department, which is recommended by the class. The department conducts a preliminary examination of students according to the regulations, and submits the list and related materials to the Student Affairs Office on time. (II) Determining the Witness of Student Loan Generally, there are two national student loan witnesses, namely 1 class teacher or counselor, and 1 is the office of the Party branch. (3) The materials and related requirements that students must provide 1, and fill in the complete national student aid application form in duplicate (non-copy); 2. A copy of my ID card in duplicate; 3. A copy of my admission notice or student ID card in duplicate; 4. My academic record in school is in duplicate; 5. Two copies of each parent's ID card; 6. 1 individual written loan application; 7. Other materials required by the lending bank. (4) The Student Affairs Office of the school shall review the materials submitted by various departments and determine the final loan student list. (five) fill in the "national student loan contract" loan student information and fill in the application form by the bank, the bank and the students signed a loan contract, the "national student loan contract" in quadruplicate. (6) Banks issue student loans. According to the amount signed in the contract, the loan bank will directly transfer the loan of this school year to the account designated by the borrower in the school according to the school year. (7) Change of loan contract 1. During school, if the borrower needs to repay the loan in advance due to economic reasons, he can change the contract at the bank at any time and pay off all the loan principal and interest. If the loan needs to be terminated due to special reasons, the student himself or the school will propose to the bank, and the contract will be changed accordingly, and then the student himself will go to the bank to perform the relevant procedures. 2. Before graduation, the borrower must go through the repayment confirmation procedures at the loan bank and go through the corresponding contract change procedures according to the requirements of the loan bank. (8) Students who have obtained bank loans should deposit the loan interest payable in their bank account (which can be deposited in any branch of the loan bank) before March, June, September and February 20th of each year.

4. What steps and proofs are needed to apply for a student loan?

There are two common types: national student loans and student-origin credit student loans. The national student loan is led by the government, subsidized by the government, and operated jointly by banks, education administrative departments and universities. It is specially used to help poor college students who have no loan guarantee and unsecured loans, but need to promise to repay on time and bear relevant legal responsibilities. Student-origin credit loan refers to the household registration loan issued by China Development Bank to eligible freshmen and students with financial difficulties in colleges and universities. The loan funds are mainly used for students to pay tuition and accommodation fees during their school days. An important part of student loan for students from different places.

Materials to be provided for applying for national student loans

1. Apply for a national student loan;

2. Copy of my student ID card and ID card (minors must provide proof of legal consent to apply for a loan);

3. I explain the family's financial difficulties;

A certificate issued by the education administrative department at the county level on the financial difficulties of his family. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them.

5. Other supporting documents and materials required by the bank or school.

Apply for student financial assistance:

First-time loan student: student and borrower's ID card (original and photocopy), household registration book (original only), admission notice or student ID card (original and photocopy), and signed and sealed application form in duplicate. Re-loan students: Students do not need to undergo qualification examination, but only need to submit their signed application form and a copy of their student ID card (2 copies each). If the borrower (or * * * with the borrower) cannot go to the acceptance site, the * * * (or the borrower) with the borrower can apply together with the borrower (or * * *). Proof of poverty: Students who apply for loans for the first time need to hold the application form to any unit of high school (only for fresh high school graduates), village (neighborhood) committee and township (street) civil affairs department.