How to apply for a college student loan and what materials are needed

To apply for a college student loan, you need to apply to the loan bank where the school is located. You can also contact the school to apply for a loan. The required materials when applying are as follows:

1. The original and copy of the ID card and household registration book of the student borrower and *** and the borrower (guardians can also use military ID or armed police ID as valid IDs ).

2. Admission notice or student ID card. Freshmen should present the original and copy of their admission notice, and current students should present the original and copy of their student ID card.

3. Loan certificate issued by the university where you are located.

When applying for a student loan, in order to standardize loan management and avoid unnecessary laws, the Development Bank stipulates that student loan contracts in the student’s place of origin must be signed once a year. When signing a loan contract for the first time, the student borrower and the same borrower must be present at the same time. When signing a contract for loan renewal, either the student or the borrower can handle the process by holding a "Letter of Authorization". ***In principle, the same borrower is the parent or legal guardian of the student, and the household registration must be consistent with the household registration of the student before enrollment.

Where can college students borrow money

1. College Student Entrepreneurship Park Management Service Center, where you can apply for college student entrepreneurship loans.

2. The education bureau of the student’s place of origin can apply for national student loans.

3. The Student Financial Aid Management Center can apply for credit student loans from the student’s place of origin.

How to apply for loans for college students in their place of origin?

Process:

1. Prepare relevant materials:

"National Development Bank Student Origin Credit Student Loan Application Form", borrower's household register and valid ID card (show the original and submit 2 copies), borrower’s admission notice (show the original and submit 2 copies), documents proving family financial difficulties (submit 1 original and 1 copy), and the student’s local postal address Bank card discount issued by the savings office (show the original for verification and submit 2 copies)

2. Submit the relevant information to the Student Financial Aid Management Center and submit an application.

3. Get the contract receipt containing the school account for the national student loan from the grade office, and then give it to your family to forward to the local student financial aid management center (must be completed within 30 days).

4. Current students should submit the loan-specific contract receipt containing the school account within 20 days of registering for the new school year, and then give it to their families to forward or mail to the local student financial aid management center (must be completed within 20 days). The subsequent procedures, such as reporting, bank approval, etc., do not require students to directly participate.

Friendly reminder:

Student loans are directly transferred from the bank to the school's account. The remainder of this loan after paying tuition fees can be used to pay for student living expenses. If you want to continue the loan in the second year, the procedures are the same and will be much faster.

Introduction to student loans for college students:

There are generally two types of commonly used student loans for college students: national student loans and credit student loans from the student’s place of origin. National student loans are government-led, fiscally subsidized bank loans operated jointly by banks, education administration departments and university authorities to specifically help students from poor families in 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. Student origin credit student loans refer to student loans issued by the China Development Bank to eligible freshmen and current students of ordinary colleges and universities whose families have financial difficulties, and are handled in the county (city, district) where the student's registered residence is before enrollment. Loan funds are mainly used for students to pay tuition and accommodation fees during their studies. Student loans with credit in the student's place of origin are an important part of student loans for college students.

What are the requirements for college student loans, student origin loans and campus loans?

1. Students applying for credit student loans from their place of origin must meet the following conditions:

1. Have the nationality of the People’s Republic of China;

2. Be honest and trustworthy, abide by disciplines and laws;

3. Full-time undergraduate universities, higher vocational schools and vocational colleges at the central, regional and outside levels that have been approved to establish and implement higher education in accordance with relevant national regulations Formal admission, freshmen who have obtained a true, legal and valid admission notice, or undergraduate, junior college students, graduate students and second bachelor's degree students currently studying in colleges and universities;

4. The student's household registration before admission, his/her parents (or other Legal guardians) are registered in the same county (city, district);

5. The family has financial difficulties and the income they can earn is not enough to pay for the tuition and accommodation fees required to complete their studies at school.

2. Families of students applying for credit student loans from their place of origin should meet the following conditions:

1. No bad credit record;

2. Family financial difficulties Generally, it should meet one of the following basic characteristics:

① Extremely poor households, low-income households, registered poor households in rural pastoral areas;

② Families of orphans and disabled people;

③ Suffering from natural disasters and man-made disasters, causing heavy losses and being unable to afford student fees;

④ Family members suffering from serious diseases;

⑤ The main income creator of the family loses his or her job for some reason ability;

⑥Single-parent families without stable income;

⑦Old, young, marginalized, poor and poor families in remote rural and pastoral areas;

⑧Both parents Or families where one party is unemployed;

⑨Other poor families. Purpose of loan: In principle, credit student loans from the student’s place of origin are used to borrow students’ tuition and accommodation fees. When the loan amount exceeds the actual needs for tuition and accommodation, the remainder can be used for student living expenses. National credit student loans are applied for, approved and issued on an annual basis.

3. Campus loan application requirements

Full-time undergraduate and junior college students (including vocational students), second bachelor's degree students and graduate students in ordinary colleges and universities can apply for the national loan if they meet the following conditions Student loan:

1. The family has financial difficulties; Resident ID card;

3. Have full capacity for civil conduct (minors applying for national student loans must obtain written consent from their legal guardians);

4. Be honest, trustworthy, and disciplined Abide by the law and have no illegal behavior;

5. Study hard and be able to complete your studies normally.

Extended information

Documents required for loans from the student’s place of origin

1. Loan certification materials

1. Freshmen admitted in 2009 and Universities in the province and city where students originate have opened student loans. Students in the province and city where students originate have opened student loans. The qualification identification of students with financial difficulties has been completed in advance by the local education authorities. Students who pass the pre-application review must be graduated. The middle school or college shall issue proof of the province or city that opened the credit student loan in the student's place of origin.

2. Students who are enrolled in colleges and universities outside the province or city where students originate and have opened student loans must provide a loan certificate from the university where they are located.

2. Identity Proof Materials

1. The original and copy of the ID card and household registration book of the student and the borrower (the guardian can also have a military ID or armed police ID as valid) Certificate);

2. Admission notice or student ID card. Freshmen should present the original and copy of their admission notice, and current students should present the original and copy of their student ID cards;