1. Can student loans be deferred?
Student loans can be deferred, but they must meet the conditions for deferment. Generally, there are reasons for allowing deferment. Delay due to reasons such as upgrading from junior college to bachelor's degree, studying for graduate school, joining the army, or serving as a support worker; extension due to reasons such as the academic system; etc.
If you meet the extension conditions, go to the student affairs office of the college to apply for extension registration. After applying for continued interest subsidy for students with deferred repayment, submit an application for deferred repayment to the loan agency.
The loan handling bank will adjust the student loan repayment plan after receiving the approval from the school. The original interest subsidy financial department will continue to provide interest subsidies for the university affiliation that occurred during the student's continued study for a degree.
Borrowing students who have applied for early repayment of student loans have not made early repayments, and banks generally will not regard them as overdue, and will still deduct the money on the subsequent due repayment date. . However, if the payment is not made on the due date (December 20th each year, September 20th in the last year), then it is really overdue and will affect your personal credit.
If you apply for student aid between the 1st and 10th of January to October, and then deposit money before the 15th of the month, the system will deduct the payment on the 20th of the month.
National student loan overdue repayment process
Step 1: Confirm the monthly repayment interest
After graduation, graduates repay student loans. Students who only need to pay every month for two years must calculate the monthly repayment interest amount, otherwise it is easy to cause the system to fail to deduct the payment.
Step 2: Confirm the monthly repayment date
The monthly repayment date is the 20th, and also the subsequent repayments.
Step 3: Log in to the system to query the overdue details
If the 11th of the month appears this month, the loan system will check the overdue details, such as the number of overdue days and the overdue date. Penalty interest.
Step 4: Penalty interest
Since the overdue loan last month only repaid the interest due in the current period, and the overdue penalty interest was not repaid, students who took out loans this month should On the 15th, recharge the amount that should be repaid to the Alipay account of the national student loan.
2. I would like to ask, how do you apply for a student loan when you are already studying as a graduate student...
According to the notice forwarded by the General Office of the State Council to the People's Bank of China, the Ministry of Education and the Ministry of Finance in August 2000 Article 3 of the "Supplementary Opinions on the Management of Student Loans" issued on the 22nd "If students who take out loans continue to study for graduate students and second bachelor's degrees after graduation, the loan period will be extended accordingly during their studies, and the principal and interest of the loan will be extended after graduation for graduate students and second bachelor's degrees. "Repay within four years." According to the regulations, the borrower should submit an application for extension and extension one month before the first repayment date of the loan, and provide relevant proof of continuing to study for graduate school and second bachelor's degree.
3. How to apply for a doctoral deferred student loan?
You can apply for student loans.
The process of applying for student loans:
1. The loan acceptance department submits a loan application;
2. Prepare materials. Prepare relevant materials to register with the student financial aid management department of the local education bureau and receive the "National Development Bank Student Origin Credit Student Loan Application Form" (hereinafter referred to as the application form). The borrower needs to fill in the application form completely and seal it;
3. Review the materials. The borrower and *** together with the borrower shall go to the student financial aid management department of the county (city, district) education bureau where they registered to receive the form and issue identification materials (including the ID cards of the borrower and *** together with the borrower and their copies, student Two copies of the certificate or admission notice, household register), application form and postal savings account number are required. The staff of the Student Aid Management Department of the County Education Bureau will review the materials;
4. Sign the contract. The borrower and *** sign the "China Development Bank Student Origin Credit Student Loan Contract" with the borrower himself. When signing the loan contract, he authorizes the Postal Savings Bank to deduct the principal and interest of the loan from the above account;
5 , contract receipt will be sent back.
After the loan contract is signed, students can report to the university with the contract. Starting from 2011, students only need to go to the university financial aid center to apply for an electronic receipt, and there is no need to mail a paper receipt. If the student financial aid management department of the Education Bureau does not receive a receipt within 30 days after registration (no later than October 30), the student will be deemed to have canceled the loan application;
6. Loan issuance and payment. According to the contract, the Postal Savings Bank will issue the loan on the date stipulated in the contract and wire the loan funds to the designated account of the university where the borrowing student is located;
7. Repay the loan. After the borrower student graduates, the student and his or her co-borrower are responsible for depositing sufficient funds in their personal account on time as stipulated in the loan contract.
4. How to apply for deferred repayment of student loans
How to apply for deferred repayment of student loans
How to apply for deferred repayment of student loans, the state is To help students whose families have financial difficulties, a student loan has been released. After graduation, in order to relieve employment pressure, students can also apply for deferred repayment. How to apply for deferment of student loan repayments?
How to apply for deferred repayment of student loans 1. Interest-free and principal deferred repayment scope
(1) Interest-free scope
According to the "Notice" According to the request, the Development Bank will waive the interest on national student loans that should be repaid in 2022 by borrowing students who graduated in 2022 and previous years.
(2) Scope of principal deferred repayment
For the principal of national student loans that should be repaid in 2022 for borrowing students who graduated in 2022 and previous years, upon independent application by the borrowing students, Repayment can be deferred for 1 year.
2. Process
(1) Interest-free process
Borrowing students do not need to apply for national student aid in their name that falls within the interest-free scope of the "Notice" If you apply for interest exemption on loan interest, the Development Bank will automatically waive the relevant interest in accordance with the relevant provisions of the "Notice". Borrowing students can repay in 2022 as stipulated in the "China Development Bank Student Origin Credit Student Loan Contract" or "China Development Bank College Student Loan Loan Contract" (hereinafter collectively referred to as the "Loan Contract") Within 5 calendar days (inclusive) before the date of application, log in to the China Development Bank Student Online System (hereinafter referred to as the "Student Online System") to check the corresponding interest-free status.
(2) Application process for principal deferred repayment
If a borrowing student needs to apply for a national student aid in his or her name within the "scope of principal deferred repayment" in paragraph 2 of Article 1 of this announcement, If the loan principal is to be deferred, please log in to the student online system to apply for deferred principal repayment before the 2022 repayment date (not included) stipulated in the "Loan Contract", and follow the system prompts to complete the relevant operations.
If a borrowing student applies for deferred repayment of the principal of multiple national student loans, the student must repay it no later than the 2022 repayment date stipulated in the relevant "Loan Contract" (hereinafter referred to as the "original repayment date"). ") before the earliest repayment date (exclusive), apply together through the student online system for the principal of each national student loan to be deferred. Borrowing students who have successfully applied for principal extension cannot cancel the extension application, but they can apply for early repayment within the extension period.
The deferred repayment time of the principal is one year, and the repayment date after the extension (hereinafter referred to as the "deferred repayment date") is the same day of the same month in 2023 (that is, the same day of the same month after the original repayment date is postponed for one year). The interest calculation and repayment of the deferred principal shall be carried out in accordance with the relevant national regulations and the "Loan Contract". The deferred loan will not be charged with penalty interest or compound interest. Interest within the scope of the "Notice" will be exempted, and the excess will be borne by the borrowing student. At your own risk.
If the borrowing student fails to submit an application for principal deferred repayment in accordance with the above requirements, or the application is unsuccessful because the application does not comply with relevant national policies and regulations, the student can continue to enjoy the 2022 interest exemption policy in accordance with the requirements of the "Notice". However, the remaining repayable amounts should still be repaid in accordance with the Loan Contract.
The principal and interest of the national student loan that students who have successfully applied for deferred principal repayment in 2023 (inclusive) and subsequent years still need to repay in accordance with the "Loan Contract".
If the deferred repayment date is later than the principal repayment date in the last year of the loan period as stipulated in the corresponding "Loan Contract" (i.e., the "Contract Maturity Date") due to a successful application for principal deferred repayment, the contract expiration date will automatically If it is postponed to the deferred repayment date, the principal and interest that should be repaid on the original contract expiration date must be repaid on the deferred repayment date, and the corresponding new interest must also be repaid by the student borrower on the deferred repayment date.
3. Warm reminder
Please note that borrowers should pay attention to the fact that the deferred repayment of the principal will still accrue interest normally in accordance with the provisions of the "Loan Contract" and will be repaid together on the deferred repayment date. (Except for the interest-free portion as required by the Notice), it does not mean that no interest will be generated. Please decide whether to apply for deferred principal repayment after comprehensive consideration.
The Development Bank will not attach unreasonable conditions, require transfers or remittances, or request personal information on the grounds of interest exemption or deferred principal repayment. If you receive such emails, phone calls, or text messages, please do not believe them to avoid suffering any consequences. loss.
How to apply for deferred repayment of student loans 2 Service Scope
(1) Scope of students who apply for deferred principal repayment
Those who should repay the principal within 2022 Borrowing students. Graduates who have paid off their national student loans before applying are not covered by this policy funding.
(2) Scope of students who apply for adjustment of overdue records
From the outbreak of the COVID-19 epidemic to the end of 2022, students who failed to repay their loans in time due to the impact of the COVID-19 epidemic.
Warm reminder
If you have already entered the repayment period when you apply, it will be postponed for one year according to the application time; if the starting date of repayment is before the end of 2022, and you have not yet entered the repayment period at the time of application Students who repay their current loan will have the starting date of principal repayment in the original repayment plan postponed by one year. After the application for deferred principal repayment is submitted, if the policy requirements are met, Bank of China will adjust the new repayment plan. After the adjustment, the bank will notify you via text message. The latest repayment plan can also be viewed through electronic channels such as mobile banking.
After the overdue record adjustment application is submitted, Bank of China needs to perform corresponding review procedures. If the review is passed, you will be notified by SMS. You can also view the adjusted credit report through mobile banking or other official channels.
Bank of China will not attach unreasonable conditions or require transfer on the grounds of deferring principal repayment and adjusting overdue records
How to apply for deferred repayment of student loans 3 Student loans are appearing You can apply for deferred repayment in the following situations:
1. Upgrading from junior college to bachelor's degree, studying for graduate school, or transferring from master's degree to doctoral degree (loans can be renewed while studying for a higher degree, but the loan repayment period after graduation will also be extended) shortened accordingly).
2. Suspension of school due to illness, joining the army, supporting border areas/inland areas (that is, supporting frontier/inland construction), etc. (Fresh graduates who participate in the three branches and one support will also enjoy preferential student loan reimbursement policies) .
Everyone needs to pay attention:
1. The State Council executive meeting held on May 11, 2022 pointed out that in order to help graduates from economically disadvantaged families reduce their burden and find employment, it was decided to exempt students from this year and The interest-free funds for the national student loans that graduates of previous years should repay this year will be borne by the government; and the principal can also be deferred for one year.
2. Borrowing students who meet the conditions for deferment can directly go to the school’s student financial aid center to find the relevant person in charge to apply for deferment registration, and then apply for deferment of repayment through the university or by themselves at the loan agency.
After the handling bank receives the application for deferred repayment, it will adjust the student loan repayment plan after approval.