Can I apply for a student loan just after enrolling in school?

Whether you can apply for a student loan after school starts depends on the regulations of your region. If your school starts before September 1st and it is within the prescribed time for student loan application, you can apply. , if your school has started after the student loan application period has ended, you cannot apply again, but you can consult the school's Academic Affairs Office to see if you can pass it through the green pass. If not, you can only wait. It takes one year to apply.

There are four main forms of student loans: national student loans, credit-based student loans from the student’s place of origin, interest-free loans provided by colleges and universities using state financial funds for students, and general commercial student loans. If you miss out on national student loans or student loans from your place of origin, you can consider applying for the latter two. You can only apply for one of these four types of student loans.

Moreover, the student loan funds are directly transferred from the bank to the school's account. After deducting the tuition fees, living expenses and other living expenses are transferred from the school to the students, especially the student loans from the student's place of origin are all online. If you apply, once you miss the application time, the application entrance will be closed, so everyone should try to apply within the specified time. Generally, the earlier the application, the better, because if the application is not approved, there is still a chance to apply again.

After reading the above introduction, I believe I have a good understanding of the question of whether I can still apply for a student loan after school starts. Final reminder: Student loan funds can only be used for tuition and fees or living expenses. The interest during school is subsidized by the state. After graduation, you need to repay the interest and principal yourself. When will student loans be disbursed?

Student loans from the student’s place of origin will arrive around November, and national student loans will receive the loan amount around mid-October.

Student Loan for the Place of Origin

Currently, the credit student loan contract for the place of origin signed by the China Development Bank and students does not clearly stipulate the time for the funds to be transferred to the student account. However, According to the application process for student loans in the student's place of origin, it should be received around November. However, the arrival time of this amount does not affect the enrollment of loan students. They only need to explain the situation to the school when registering.

National Student Loan

If you apply for a student loan this academic year, after the loan is reviewed by the school and the loan bank, a contract will be signed with the borrower. After the contract is signed, it will take approximately The loan will be released within 20 working days, around mid-November.

If you apply for a student loan every academic year, the loan bank will transfer the loan amount to the Alipay account of the loan student year by year. You do not need to reapply in the second year, and the review is much simpler. It mainly focuses on the school performance and test scores of the loan students, so the loan amount will be received in about mid-October.

Extended information:

Student loan application process

Student loans are mainly targeted at undergraduate, junior college students, master's students, and second bachelor's degree students whose families have financial difficulties. You can apply after school starts in September each year. The specific process is as follows:

1. Prepare loan-related information, including but not limited to student ID card, ID card, proof of family financial difficulties, etc.

2. Register personal information online for China Development Bank student loan information, then enter the "Loan Application" module and click "Export Loan Application Form".

3. After filling out the application form, go to the village committee or the township civil affairs department to get it stamped.

4. Submit the application form and confirm the loan amount. In principle, the loan amount per person per year should not exceed 6,000 yuan, which is mainly used for tuition and accommodation fees.

5. The school will review the loan student information, confirm it is correct and stamp it, and the lending bank will conduct the final review.

6. After successful review, the loan will be issued. What about college student loans? When can freshmen apply? Before going to school or after entering school

1. National student loans:

1. The Party Central Committee and the State Council use financial means to improve my country’s ordinary students under the conditions of the socialist market economy. The college funding policy system is a major measure taken to increase funding for students from poor families in ordinary colleges and universities.

2. National student loans are government-led, with fiscal interest discounts. Finance and university authorities jointly provide banks with certain risk compensation, and banks, education administration departments and university authorities work together to provide specialized assistance. Bank loans for students from poor families in colleges and universities. Borrowing students do not need to apply for loan guarantees or mortgages, but they need to promise to repay on time and bear relevant legal responsibilities.

2. Application method:

Students from poor families need to apply for national student loans from local banks through the schools they attend. College freshmen can apply before the semester begins. In principle, students apply once and banks issue national student loans in installments while they are in school.

3. Materials required to apply for a national student loan:

1. National student loan application form; copies of my student ID card and resident ID card (minors must provide Valid identity certificate of the legal guardian and proof of written consent to apply for a loan); personal description of the family’s financial difficulties;

2. Proof of family financial difficulties issued by the relevant department where the student’s home is located. Students themselves bear legal responsibility for the authenticity of the materials they provide.

4. Review and Approval:

The relevant departments of the school are responsible for reviewing the qualifications of national student loan applications submitted by students and verifying the authenticity and completeness of the materials submitted by students; the bank is responsible for Final approval of student loan applications.

Extended information:

1. Repayment operation:

1. Borrowing students should confirm the student loan repayment plan with the bank when going through graduation procedures. . Within one year after graduation, you can submit an application to the bank to adjust the repayment plan. Student loan principal and interest repayments can be taken in a variety of ways, and the loan can be paid off in advance one time or multiple times. If a college student chooses to repay the loan early, the handling bank shall not charge any additional fees other than the interest payable.