General schools have regulations that the loan target is full-time graduate students with financial difficulties in ordinary universities (excluding public students and self-funded students who have enjoyed school tuition waiver). Student loans are only used to solve tuition fees and are not responsible for living expenses. You have no tuition problem, so you can't apply for a student loan at all.

Second, can new graduate students apply for student-origin loans?

You can apply. The annual loan amount of full-time college students is not less than 1000 yuan and not more than 8,000 yuan; The annual loan amount for full-time graduate students is not less than 1000 yuan and not more than 12000 yuan. The specific amount can be determined according to the sum of students' tuition and accommodation fees.

Conditions for handling student loans from places of origin:

1, with China nationality;

2, honest and trustworthy, law-abiding;

3. In accordance with the relevant provisions of the state, freshmen or college students who are officially admitted to full-time ordinary colleges, higher vocational schools and colleges that are approved to set up higher education have obtained a true, legal and effective admission notice;

4. Students' pre-school household registration and parents' household registration are all in this city and county (city, district);

5. The family is in financial difficulties, and the income they can get is not enough to pay for the basic expenses needed to complete their studies at school;

6. Other conditions stipulated by the bank.

3. Can graduate students apply for student loans?

Graduate students can apply for student loans.

First, the national student loan funding standards

Full-time college students (including second bachelor's degree and higher vocational students, the same below) apply for a loan amount of no more than 8,000 yuan per person per year; If the sum of tuition and accommodation fees is less than 8,000 yuan per year, the loan amount can be determined according to the sum of tuition and accommodation fees.

Full-time graduate students each apply for a loan amount of no more than 12000 yuan per year; If the sum of annual tuition and accommodation fees is less than 12000 yuan, the loan amount can be determined according to the sum of tuition and accommodation fees.

Second, the proportion of national student loans.

The national average subsidy ratio of full-time college students' national student loans should be equivalent to that of that year, and the subsidy ratio of all regions and universities should be equivalent to that of their own regions and universities.

The proportion of national student loans for full-time graduate students is determined according to the coverage of scholarship policies such as national scholarships and academic scholarships and the situation of students with financial difficulties.

Full-time college students are not allowed to apply for national student loans and student-origin credit student loans repeatedly in the same academic year, and they can only choose to apply for one of them. In principle, full-time graduate students apply for national student loans on campus.

Extended data:

government-subsidized student loans

(A) the national student loan application process

National student loan application process: student application → school preliminary examination → bank approval → both parties sign a contract → bank issues a loan → repay the loan after graduation.

Note: Banks do not directly accept students' loan applications. Students who apply for loans must apply for loans to the designated department of their school within 10 days before and after the start of the new school year, and receive and truthfully fill out the Application Form for National Student Loan, the Commitment Letter for Applying for National Student Loan and other related materials.

(B), the conditions for applying for national student loans

Conditions for applying for national student loans: full capacity for civil conduct (minors must obtain the written consent of their legal guardians); Honest and trustworthy, law-abiding, no illegal acts; Study hard and you can finish your studies normally.

Due to family difficulties, the income earned during the school period is not enough to pay the basic expenses (including tuition, accommodation and basic living expenses) needed to complete their studies; Approved by the school; Meet other conditions stipulated in the General Rules for Loans published by the People's Bank of China.

(3), apply for national student loan materials

Materials for applying for the national student loan: provide the necessary information about my family's financial situation (generally including my written application, family financial situation questionnaire, proof of difficulties at street or township level or above, guarantor's guarantee and my actual performance, etc. ), promise the repayment liability clause, and provide the repayment guarantor.

(D), the national student loan repayment method

(1) Before graduation, students should pay off in one lump sum or in several installments.

(2) After graduation, the work unit will return all the loans to the loan issuing department.

(3) After the probation period expires, graduates will be deducted from their wages month by month within two to five years.

(4) Graduates' employers can decide to reduce or exempt prepaid loans according to their performance.

(5) For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, the parents of the students are responsible for returning all the loans.

(five) the term, interest rate and amount of the national student loan.

The maximum per person per academic year is not more than 8000 yuan. The longest term is 10 year. The interest rate is subsidized by the government during school and borne by the borrower after graduation (according to the current central bank benchmark interest rate).