Legal analysis: Step 1: Students apply to their school institutions within the specified time, get the approval form for the application of national student loans and other materials, fill them out truthfully and completely, prepare relevant supporting materials and return them to the school's national student loan agency. Step 2: The school organization is organizing students to apply for loans and accepting students' loan applications. Step 3: The handling bank completes the review after receiving the application materials. Step 4: After the student loan application is approved, the school organizes students to fill in and sign loan contracts and IOUs according to the loan student roster provided by the handling bank and submit them to the handling bank. Step 5: Borrow. After signing the loan contract and receipt with the borrower, the handling bank will uniformly transfer the first-year tuition, accommodation and living expenses loans to the designated account opened by the school in the handling bank.

Legal basis: notice on further improving the national student loan policy 1. Students with national student loans should apply for the amount and scope of use of national student loans according to the actual situation. The amount of full-time undergraduates (including second bachelor's degree, higher vocational and preparatory students, the same below) will be increased from no more than 8,000 yuan per year to no more than12,000 yuan; The annual loan amount for full-time graduate students will be increased from no more than 1.2 million yuan to no more than 1.6 million yuan. The national student loan applied by students should be used to pay the tuition and accommodation fees during the school period, and the excess can be used to make up for the daily living expenses. The national student loan undertaking bank should strengthen the review of the loan and its scope of use, and reasonably determine the amount of student loan. Colleges and universities should guide students to be thrifty, apply what they have learned, enhance their employability and serve the country and society.