According to the regulations of student-origin loan, college students will no longer enjoy preferential government policies from September of the year of graduation. In other words, at this time, college students need to bear certain loan interest expenses if they don't repay. If they don't want to bear too much loan interest, they can choose to pay it off in the year of graduation.
1. Student loans are issued by financial institutions such as China Development Bank to eligible college students with financial difficulties. Students, their parents or other legal guardians apply to the student financial assistance management centers or financial institutions in the counties and cities where the students are registered, to help students with financial difficulties pay the tuition fees needed for schooling. Origin student loans are unsecured and unsecured credit loans. The student and his parents or other legal guardians are the same borrower, and both parties are liable for repayment. When college students borrow money after graduation, they have to pay back their original student loans. The repayment time of student-origin student loan is divided into normal repayment time and early repayment time. The normal repayment time is 65438+ February 20th every year, and the final repayment date is September 20th of the repayment year.
2. Only interest will be paid in the first two years after graduation, and principal and interest will be paid later. At the same time, the repayment date of the student-origin student loan is 65438+February 20 every year, and the repayment date of the previous year is September 20 of that year. The prepayment time is every month except 1 1. Repayment method: students can pay off their debts in one lump sum or by stages before graduation, and can observe the available funds to repay loans after graduation. After the internship expires, graduates will be deducted monthly within two to five years, and the graduate work unit may decide to reduce or exempt the advance loan according to their work performance. Students who are expelled from school, ordered to drop out of school or voluntarily drop out of school for violating national laws and school discipline are responsible for repaying all loans.
3. Repayment Operation Students should confirm the repayment plan of the student loan with the bank when going through the graduation formalities. Within one year after graduation, you can apply to the bank to adjust the repayment plan. The principal and interest of student loans can be repaid one or more times in advance in various ways. If college students choose to repay in advance, the handling bank will not charge other fees except the interest payable.