I am a sophomore in Shanghai University, majoring in computer software. In the past year and a half, I have been a model student and monitor in my class.

However, since I registered here, the cost has become the burden of my general family. You know, my parents are laid-off workers. To make matters worse, my mother suddenly fell ill and was going to have a major operation. They can't afford to help me finish the rest of my education. Now I must help them relieve their financial pressure. So I applied to your bank for a loan of10,000 yuan. If my application is approved, all the money will be used for my tuition and fees in the coming school year.

I have made a detailed plan to arrange my school life. It is not difficult to find a part-time job as a tutor. Our university also provides some work-study opportunities for students like me. From these sources, I will be able to earn enough money to support myself. I promise to repay the loan within five years, that is, within two years after I graduate. Please have confidence in me: I have a good credit record.

I would appreciate it if my application was approved. I really appreciate it．

You are sincere,

Li Ming