1, with full capacity for civil conduct;

2, honest and trustworthy, law-abiding, no violations;

3. Good academic performance and normal completion of studies;

4. The income earned during the school period is not enough to cover the basic expenses needed to complete their studies;

5, strictly abide by the provisions of the state, the handling bank and the national student loan, promise to use the loan correctly and fulfill the repayment obligation according to the regulations;

6. Meet other conditions stipulated in the General Rules for Loans promulgated by the People's Bank of China.

The guarantor condition of college student loan is the borrower's parents or legal guardians, and the household registration before enrollment must be consistent with the borrower's own household registration; If the parents of the borrowing students lose their ability to work or have civil capacity due to special circumstances such as disability or illness, other immediate family members of the borrowing students can be regarded as * * * borrowers; If the borrower is an orphan, the borrower is another legal guardian, or a natural person with full civil capacity who voluntarily shares the repayment responsibility with the borrower; * * * If the borrower is not a parent, it must be between 25 and 60 years old; If * * * has applied for a student loan before and has not paid it off, it cannot be used as a * * * borrower of other students.

Legal basis: Article 6 of the Supreme People's Court's Opinions on People's Courts Handling Loan Cases.

The interest rate of private lending may be appropriately higher than the bank interest rate, and the local people's courts may specifically grasp it according to the actual situation in the region, but the maximum interest rate shall not exceed four times that of similar bank loans (including interest rates). Beyond this limit, the excess interest will not be protected.