1, the student loan is not only applicable to undergraduates, but also to full-time undergraduate colleges, higher vocational schools and junior colleges (including private colleges and independent colleges, the list of which is subject to the announcement of the Ministry of Education), freshmen who have obtained a true, legal and valid admission notice, and undergraduates, graduate students and students with a second bachelor's degree studying in colleges and universities.

2. Although college students can also apply for student loans, because the purpose of student loans is to solve the problem that students with financial difficulties can't pay the tuition and accommodation fees needed to complete their studies at school, they can't apply for student loans if their families are rich. When applying, you must provide the proof of family financial difficulties issued by the relevant departments where your family is located. Students must ensure that they can complete their studies normally and there are no violations of laws and regulations.

3. Like undergraduates, college students can apply for a student loan of up to12,000 yuan per academic year (16,000 yuan for full-time graduate students).

The process of applying for a student loan:

1. Prepare the ID card, household registration book, school registration certificate and poverty certificate issued by the relevant departments where the family is located, apply for a loan from the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where the household registration is located, fill in the loan application form and provide materials.

2. The local funding center will review the application materials, sign a loan contract after approval, and then issue a contract receipt.

3. The borrower will hand in the contract receipt to the school at the beginning of the semester, and the school will automatically enter the information, and then send the contract receipt back to the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where the household registration is located.

4. The local financial aid center prepares a summary table and submits it to the provincial student financial aid management center, which submits it to the handling bank for approval and issues loans (generally, the loan funds will be paid to the borrower's personal account first, and then transferred to the school's tuition account by the system, which will generally be distributed in the middle and late of 1 1, when the school will deduct the tuition fees and refund the students if there is any surplus).