Procedures for handling student loans

First, students should truthfully fill out the "National Student Loan Application Approval Form". When students fill in the Examination and Approval Form for National Student Loan Application, their handwriting should be correct, filled in blue and black ink, and not filled in with a ballpoint pen. The content should be filled in completely, and no omission is allowed. Pay special attention to the ID card number and current passbook number, and don't fill them wrong. After completing the form, sign your name in the applicant column and press your handprint. (When the applicant signs, he cannot sign on his behalf)

Second, students applying for loans need to provide the following information to the bank: a copy of ID card, a copy of student ID card and a copy of current passbook, and submit them to the counselor (witness) together with the completed National Student Loan Application Approval Form.

Third, the counselor (witness) conducts a preliminary review of the materials provided by the students and the application approval form, and then writes a character and study description for the students applying for loans, and prints out the students' study transcripts. Those who pass the preliminary examination shall sign in the witness column of the Application Approval Form. Counselors (witnesses) should carefully examine the information provided by students, fill in the authenticity of the content, and be responsible for its authenticity. "Student Conduct and Learning Guidance" must be written and signed by the counselor himself, not by the student himself and then signed by the counselor.

Fourth, the counselor will submit the application form and related materials after the preliminary examination to the Student Affairs Office for review. After the student affairs office has passed the examination, it will sign the application form and submit it to the counselors of each department.

5. Counselors of all departments will print out the List of National Student Loans in triplicate according to the format stipulated by the bank, and make a copy, and submit it to the bank for review together with the application approval form and related materials. Each department should print two department profiles, including major settings, number of classes and number of students, and send them to the bank. The specific examination time of each department will be determined by the bank after consultation with the student affairs office, and the student affairs office will inform all departments.

Six, the bank review departments to declare student loans, each department should send someone to be responsible for, to assist the bank to deal with the contact with students, to answer questions raised by bank examiners.

Seven, after the completion of the bank review, print out the "student loan list" passed by the first instance, and submit it to the school manager. The school organizes students to fill in the Loan Contract and Loan Certificate.

Eight, the school to fill in the "loan contract", "loan certificate" for review, witness (counselor), introducer (student office) after review and signature and seal, to the bank.

Nine, after the bank completes the loan procedures and issues loans, it will return the copy of the "loan contract" and "loan certificate" to the school, and the school will serve it to the borrower.

Second, is applying for a college student loan related to the money in your card?

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I applied for a student loan. Why does the school withdraw money from my bank card?

Because your student loan hasn't arrived yet, the school directly removed the tuition from the bank card. Because the student source credit student loan will be transferred to the borrower's personal account first, and then transferred from the personal account to the tuition account of the borrower's school.

I suggest you go to the school finance office for consultation, so that the school can return the money. There are two ways to return:

First, explain the situation to the school finance department as soon as possible. The receipt of student-origin student loan shall be sealed by the financial department of the school. Schools can check students' loans from their places of origin, and after finding out the situation, they can ask schools to refund the deducted loans.

Second, after explaining the situation with the financial department of the school, even if the school can't refund it immediately due to formalities, the school should transfer the money from the student source loan to the borrower's bank card immediately after it is transferred to the school financial account.

Extended data:

Student-origin student loan loan conditions:

1, loan object

Full-time undergraduate colleges, higher vocational colleges and junior colleges (the list of schools is subject to the announcement of the Ministry of Education and is valid for filing in the student loan system of China Development Bank).

2. Loan conditions

(a) students who apply for student credit loans must meet the following conditions at the same time:

1. has People's Republic of China (PRC) nationality;

2. Honest and trustworthy, law-abiding;

3. According to the relevant provisions of the state, the freshmen, postgraduates and students with second bachelor's degree who are officially admitted to full-time undergraduate colleges, higher vocational schools and ordinary colleges and universities in the central and regional areas where higher education is implemented are approved, and a true, legal and effective admission notice is obtained;

4. Students' pre-school household registration and their parents' (or other legal guardians') household registration are in the same county (city, district);

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

(2) Students' families applying for student-origin credit student loans shall meet the following conditions:

1. No bad credit record;

2. Family financial difficulties should generally meet one of the following basic characteristics:

① Poor households in rural and pastoral areas, low-income households, and poor households who set up a file;

② Families of orphans and disabled people;

(3) Suffering from natural and man-made disasters, causing heavy losses and unable to afford the students' expenses;

④ Family members suffer from major diseases;

⑤ The creator of the main family income loses the ability to work for some reason;

⑥ Single parent families with no stable income;

⑦ Poor families in old, young, marginal, poor and remote rural and pastoral areas;

Families where one or both parents are unemployed;

Pet-name ruby other poor families. Loan purposes: Student-origin credit student loans are used to borrow students' tuition and accommodation fees in principle. When the loan amount is higher than the actual demand for tuition and accommodation, the rest can be used for students' living expenses. The national student loan is applied, approved and issued once a year.

Fourth, will hundreds of thousands of cards affect the bursary?

If you have hundreds of thousands on your bank card, it will affect your application for financial aid, because national financial aid is a special subsidy for poor students' study and life. If you have hundreds of thousands of bank cards, you are basically not a student from a poor family and there is no way to apply successfully.