The advantage of student loans is that there are subsidies at school, and students do not have to pay back the principal during their studies at school. Moreover, the loan interest is subsidized by the government, so they don't have to pay for it themselves, and there is a three-year grace period for repaying the principal. Students only need to repay the loan interest in the first three years after graduation and the principal in the fourth year. The interest rate is very low. The interest on student loans is subject to the benchmark interest rate of the People's Bank of China, and does not float. The disadvantage is that students' failure to repay on time will affect their credit. Because the credit information systems of China Development Bank and China People's Bank are networked, the information of student loans will be recorded. Student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of colleges and universities in China and increase the financial aid for poor students in colleges and universities under the conditions of socialist market economy. There are four main forms of student loans: 1. National student loan. 2. Student Credit Student Loan. 3 colleges and universities use state financial funds to handle interest-free loans for students. 4. General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan. Borrowing students should confirm the repayment plan of the student loan with the bank when going through the graduation formalities. After graduation 1 year, you can apply to the bank to adjust the repayment plan. There are many ways to repay the principal and interest of student loans, which can be repaid in advance at one time or multiple times. If college students choose to repay the loan in advance, the handling bank will not charge any other fees except the interest payable.

2. What are the advantages and disadvantages of the student-assisted classes in Hubei University of Economics?

The advantage of the aid class of Hubei University of Economics is that you are studying in a junior college at the same time, and you can get an undergraduate diploma only a few months after graduation. The disadvantage is that the undergraduate diploma of the aid class is not a full-time diploma.

Third, what are the disadvantages of college students' loans?

The disadvantage of college student loan is that students' failure to repay on time will affect their credit, because the credit information systems of China Development Bank and China People's Bank are networked, and student loan information will be recorded.

However, as long as students can repay their loans on time, student loans have no disadvantages, only benefits. The advantages are:

1, discount during school. Students don't have to repay the principal during their study in school, and the loan interest is subsidized by the government, so they don't have to repay it themselves;

There is a grace period of three years to repay the principal. Students only need to repay the loan interest in the first three years after graduation and the principal in the fourth year. Moreover, within three years of graduation, students should have found a job and have the ability to repay;

3. Low interest. The interest on student loans is subject to the benchmark interest rate of the People's Bank of China, and does not float.

Extended data

The Notice on Adjusting and Perfecting the Relevant Policies of National Student Loans stipulates that:

Article 1 The grace period for repaying the principal of student loans. The grace period for repaying student loans is extended from 3 years to 5 years.

Article 2 Term of student loan. The term of student loan is adjusted from academic system plus 13 to academic system plus 15, with a maximum of 22 years.

Article 3 Interest rate of student loans. From June 65438+1 October1day, 2020, the interest rate of new student loans will be lowered by 30 basis points according to the market quotation (LPR) of loans of the same grade in the same period.

4. What are the advantages and disadvantages of local special plans?

The advantage of local special programs is to provide greater preferential treatment for candidates with specific rural household registration. Some provincial key universities can be admitted after passing a line. If they graduate and work in poor areas, the state compensates tuition fees and student loans. The disadvantage lies in the limited majors offered by local special planning colleges.

Now all kinds of policies about the college entrance examination have been introduced. In the face of some rural students' appropriate relaxation of conditions, such as local special programs, the advantage of local special programs lies in giving more preferential treatment to candidates with specific rural household registration. Some provincial key universities can be admitted after passing a line. If they graduate and work in poor areas, the state compensates tuition fees and student loans. The disadvantage lies in the limited majors offered by local special planning colleges.

Local special programs are limited to rural household registration candidates in designated counties and cities. According to the local special plan policy of Shandong Province in 2020, candidates applying for local special plans need to meet the following requirements:

(1) Meet the registration requirements for the unified college entrance examination in 2020 and participate in the summer college entrance examination in 2020;

(2) I and my father or mother or legal guardian have household registration and residence in the rural areas of the implementation area, and I have a local household registration for more than 3 consecutive years;

(3) I have been studying in the county (city, district) high school where my household registration is located for three consecutive years and actually studied;

(4) The results of the college entrance examination reached the first line of the general college entrance examination in the summer of 2020 in our province.