First, the national student loan should be repaid according to the repayment date agreed in the contract. For students from poor families who apply for national student loans, they shall repay the principal according to the repayment date agreed in the contract. There are three main ways to repay the national student loan. One way is normal repayment, subject to the repayment date agreed in the contract. Once the repayment date is reached, students must pay the repayment amount. The second way is to repay in advance. If students apply for early repayment, they need to apply for repayment before 10 every month. After the application is approved, the repayment date will be changed to 15 of the current month, and candidates must pay the repayment amount before 15 of the current month. The third repayment method is overdue repayment. Generally speaking, the overdue repayment time is determined on the 20th of each month. However, candidates must recharge their accounts in advance, no later than 15 days. If the candidate chooses to repay the overdue loan, in addition to the principal, he also needs to repay the overdue penalty interest.
In order to avoid unnecessary troubles, craftsmen suggest that college students choose normal repayment and repay according to the repayment date in the contract, which can avoid a lot of troubles.
Second, if college students don't repay the national student loan, their personal credit will be affected. The national student loan has solved the urgent needs of many poor students and enabled them to go to college. Since you borrowed the national student loan, you should pay it back on time. The national student loan can be repaid slowly after graduation, but college students cannot choose not to repay the national student loan. It is an improper act of not paying back the national student loan. If college students don't repay the national student loan in time, the penalty interest will be more and more, and their personal credit will be greatly affected. If they can't repay the national student loan in time, their personal employment problem will also be affected. After all, companies don't like to recruit dishonest people.
For college students who have not repaid the national student loan, such bad behavior will be recorded in the student's personal credit integrity system. Moreover, if college students are in arrears for a long time, they will face a crisis of integrity when they graduate. Some college students deliberately delay or fail to repay, which will also leave a stain on themselves and make them face a crisis of integrity, and college students themselves may also face legal sanctions.
In short, after applying for the national student loan, college students need to repay the loan according to the repayment date agreed in the contract, and they can't fail to pay it back within the time limit. This is a sign of dishonesty and irresponsibility to yourself. What do you think of this problem?