This situation can generally be discussed with the bank. If not, you must ask your parents to write a power of attorney and then entrust others to help you. If you can't write a power of attorney, you must let your parents come back.

What should I do if I can't go with the lender when applying for a student loan?

1, the first loan, students and * * * borrowers must go, one of them can go to renew the loan. In this case, you can also modify the loan application, re-export the application form, and choose a borrower who can go.

2. Legal basis: "Several Opinions on the Management of Student Loans" Article 1 Improve the national measures for the management of student loans.

(a) China Industrial and Commercial Bank should continue to actively handle the national student loan. On the premise of preventing risks, continue to explore various forms of guarantee for national student loans; It is necessary to simplify the loan examination and approval procedures and reasonably determine the loan term; Within the scope stipulated by the People's Bank of China, the borrower shall be given appropriate preferential treatment at the interest rate level.

(two) to stop the implementation of the "notice" fifteenth, twenty-third. Students who really can't provide guarantee, especially those with financial difficulties, and other students can apply for national student loans in the form of credit.

Student loan application process

First, students apply. Students receive the "National Student Loan Application Approval Form" and other materials, fill them out truthfully and completely, and prepare relevant supporting materials to return to the school's national student loan agency.

Two, the school institutions to conduct a preliminary examination of the loan. School institutions organize students to apply for loans and accept student loan applications within the annual loan amount and control ratio issued by the National Student Loan Management Center.

Three, the handling bank for loan approval. The handling bank shall complete the audit within 20 working days after receiving the information form and application materials submitted by the school. If there are any mistakes or omissions, the school will be required to correct or supplement them.

Fourth, sign loan contracts with students. After the loan application is approved, the school will organize students to fill in, sign loan contracts and IOUs within 10 working days according to the loan student roster provided by the handling bank, and submit them to the handling bank.

Verb (short for verb) gives a loan. The handling bank shall, within 20 working days after signing the loan contract and iou with the borrowing students, uniformly transfer the first-year tuition, accommodation and living expenses into the designated account opened by the school in the handling bank.

The intransitive verb repays the loan. Borrowing students should pay attention to their own credit and repay on time after completing their studies with student loans. 60 days before graduation every year, the school will organize the borrowing students to go to the handling bank to go through the repayment confirmation procedures, and the handling bank will send people to provide on-site service to explain the repayment related matters to the borrowing students and answer their inquiries.

How can I borrow a student loan without my parents around?

When you apply for a student loan, the guardian can be your brother or sister, not your parents. They can also act as guardians and guarantors, and then you can apply for a loan. However, it must be noted that both the guarantor and the guaranteed have sufficient credit information, and the credit information is too low to lend.

(1) The recipients of student-origin student loans must meet the following conditions: 1. They have China nationality; 2. Honest and trustworthy, law-abiding; 3. Full-time freshmen (including preparatory students) who have been officially admitted to full-time ordinary undergraduate colleges, higher vocational schools, junior colleges (including private colleges and independent colleges), scientific research institutes, party schools, administrative colleges and accounting colleges (the list of schools is subject to the announcement of the Ministry of Education) and have obtained a true, legal and effective admission notice, or undergraduates and postgraduates (including masters) who are studying in colleges and universities. 4. Students' pre-school household registration and borrowers' household registration are in the county (city, district); 5. The family is in financial difficulties, and it is difficult for me and my family to meet the basic expenses of study and life during school; 6. Students have not obtained the national student loans from China Development Bank or other financial institutions.

(2) * * * Same as the borrower. * * * The borrower's household registration and the student's household registration before enrollment are in the county (city, district). * * * In principle, the borrower should be the borrower's parents. If the parents of the borrowing students lose their ability to work or have capacity for civil conduct due to special circumstances such as disability or illness, other close relatives of the borrowing students can be used as * * * borrowers. If the borrower is an orphan, the borrower is another legal guardian, or a natural person with full civil capacity who voluntarily shares the repayment responsibility with the borrower. If the borrower is not the borrower's parents, he must be between 25 and 60. Borrowing students who have not settled the student credit loan (or college student loan) of China Development Bank cannot be the same borrower as other borrowing students.

(3) The borrower should pay attention to the following issues: 1. If there is no agreement, it will be regarded as an interest-free loan. Although according to the principle of fairness, the lender's loan beneficiary right should be protected. 2. Interest cannot be agreed to be included in the principal. The lender shall not include the interest in the compound interest principal. According to Article 200 of the Contract Law, the loan interest shall not be deducted from the principal in advance. If the interest is deducted from the principal in advance, the loan will be repaid according to the actual loan amount and the interest will be calculated. (The Contract Law will expire on February 3, 20201No.65438) Article 670 of the Civil Code stipulates that the loan interest shall not be deducted from the principal in advance. If the interest is deducted from the principal in advance, the loan will be repaid according to the actual loan amount and the interest will be calculated.

What should I do if my parents don't apply for a student loan here?

What should I do if my parents don't apply for a student loan here? I have compiled the relevant contents below for your reference. Let's have a look!

What should I do if my parents don't apply for a student loan here?

To apply for a student-based student loan, you need to have the same borrower, usually the borrower's parents. If parents are unable to be present for some reason, they need to entrust their close relatives as the same borrower of the borrower, but they must issue a power of attorney.

In addition; The materials to be provided for applying for student-origin student loans are as follows

The borrower shall apply for a loan from the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where his household registration is located (hereinafter referred to as the "County Financial Assistance Center"), fill in the loan application form and provide the following materials:

1. The borrower and the original and photocopy of the borrower's household registration book;

2. The original and photocopy of the borrower and the borrower's identity card (or valid identity certificate);

3. Student identification. Freshmen with university admission notice and its copy; Students should show their student ID card and the proof of the borrower's source of life issued by the borrower's university.

What are the procedures for handling student-origin student loans?

1 The applicant logs into the student loan information network of China Development Bank, selects the online service system for students (the place of origin) to enter, fills in the basic information of individuals and borrowers online, exports the loan application form and signs it.

2 If the system prompts to pass the pre-application, upload the relevant materials for applying for a loan according to the system prompts.

Students who have not applied in advance go directly to the local education student financial assistance management center to fill out the Application Form for Identification of Students with Financial Difficulties from Families as the basis for applying for loans.

The applicant and the borrower, together, bring their original ID card, the applicant's admission notice or student ID card, and the completed application form to the staff for processing, and then just wait for the audit notice.

Although according to the regulations, student credit loans need to be accompanied by parents as legal guardians to sign IOUs, but each family is different; Parents can't attend, but we can still find a way to solve this problem and apply for a student loan.