The application materials are different.

National student loan materials include poverty certificate, copies of ID cards of two college witness teachers, and copies of student ID cards (old students also need to provide copies of student ID cards).

Student-origin student loan materials include poverty certificate, admission notice, school payment notice, payment card, applicant's ID card, household registration book, marriage certificate, guarantor or valid asset mortgage certificate, credit user evaluation, etc.

The difference between college students' loans and students' student loans.

Student loan is a national student loan, and there are differences between student loan and student loan in terms of lender, lender, loan term, guarantee method and application materials. If you really need to apply for a student loan, you should know the relevant policies in advance and apply for a suitable student loan according to your actual situation.

The differences between national student loans and student loans are as follows:

1, different lenders

The national student loan is a government-led bank loan, which enjoys financial discount and is jointly issued by the bank and the education department, without specifying which bank will issue the loan.

Student-origin student loan is a student loan issued by China Development Bank.

2. The borrowers are different.

National student loans are granted to domestic full-time undergraduates, junior college students (including higher vocational students), graduate students and students with second bachelor's degrees.

Student-origin student loans are for students from poor families in provinces and cities who have started student-origin student loans.

3. The loan term is different.

The longest loan period of national student loans shall not exceed 10 year; The longest loan period of student-origin student loans shall not exceed 14 years.

4. The guarantee methods are different.

National student loans are credit loans, and borrowing students do not need guarantees.

Student-origin student loan students and their parents form a co-lender of student-origin student loan, which requires a guarantor or valid asset mortgage, credit user evaluation and other certificates.

5. Different application materials

The national student loan materials include poverty certificate, copies of teacher ID cards certified by two universities, and copies of student ID cards (non-freshman students also need to provide copies of student ID cards).

Student-origin student loan materials include poverty certificate, admission notice, school payment notice, payment card, and the applicant's ID card, household registration book and marriage certificate. It is also necessary to provide a guarantor or valid asset mortgage certificate, credit user evaluation, etc.

Is it better to borrow money from students or universities?

Student loans, similar to college loans, are a kind of welfare provided by the national government to poor students. For students with high registration fee and heavy family burden, they can apply for student loans or interest-free loans in colleges and universities, but they all need to apply in advance!

Is it better to borrow money from students or universities?

1. Student-origin student loans are jointly formulated by the Ministry of Finance, the Ministry of Education and the China Development Bank; College student loans are led by the government, subsidized by the government, and the cooperation between banks and education departments and universities.

2. To apply for a student loan, you must apply to the student management department of the Education Bureau of the county (city, district) where the household registration is located; If you want to apply for a college student loan, you must apply to the student assistance center of the school.

In fact, there is little difference between the two, because both of them are subsidized by the state during the school period, so they belong to the national student loan. Simply put, the student loan applied for in the place where the household registration is located is the student-origin student loan, and the student loan applied for in the university is the college student loan. Regarding the loan amount, it is stipulated that the maximum amount per person per academic year should not exceed 8,000 yuan; If it is repaid, it will also be paid in the Alipay account of Jiji.com when it is processed.

Can the student loan arrive immediately?

The student loan will not arrive on the same day as the application. After the application is successful, they need to go through a lot of examination before they can arrive. The distribution time varies from place to place, and it is distributed to students' personal Alipay from September to June every year. Generally, you will receive SMS reminders when issuing, and students can also log in to the student personal loan account to check the details of income and expenditure. The amount received is to deduct the remaining tuition fees, such as a loan of 8,000 yuan, and the school deducts 6,000 yuan of tuition fees, which means that only 2,000 yuan can be received in the Alipay account, and the school will issue a tuition certificate to the students after receiving the money.

Where can I get a loan when I am a college student?

1. Students or their legal guardians should apply for student-origin credit student loans from rural credit cooperatives, banks and other financial institutions where their families are located.

Application place of student-origin student loan: apply to the student financial assistance management center or financial institution in the county (urban area) where the student is registered.

2. The national student loan is a credit loan. Students do not need to apply for loan guarantee or mortgage, but they must promise to repay on time and bear relevant legal responsibilities. After receiving the letter of admission, students can consult the school about the specific matters of the national student loan. Students can apply for national student loans from financial institutions through the school after the school newspaper arrives.

What's the difference between the national student loan on campus and the student-origin credit student loan?

1, different applicants:

The national student loan is directly applied to the student financial assistance department of our school; Student-origin credit student loans directly to the student financial aid management institutions (usually the Education Bureau) in the counties (cities, districts) where students are registered; Some regions directly apply to relevant financial institutions).

2. Different lending institutions:

The issuing institutions of student-origin credit student loans are mostly branches of China Development Bank and local banks (for example, Harbin Bank is the issuing institution of student-origin student loans in Heilongjiang Province). The national student loan is issued by the school student financial assistance center from a bank that has won the bid in the national student financial assistance center.

3. Different forms of distribution:

National student loan: one-time application for installment, that is, students can sign loans with the bank for multiple academic years at one time, but the bank will issue them in different years; In addition, students who continue to pursue their degrees can apply for national student loans in colleges and universities. Student-origin student loan: apply, approve and distribute annually (that is, if you need student-origin student loan every year, you need to apply every year).

4. Different borrowers:

National student loan: students can choose the repayment period of up to 3 years in the first three years after graduation, during which they only need to repay the loan interest, and repay the loan principal and interest on a monthly or quarterly basis after the grace period; Student-origin student loan: students and parents share the principal and interest.

5. Term of loan:

The National Development Bank needs a loan for one academic year to handle student-origin credit student loans, and some financial institutions can handle student-origin credit student loans for multiple academic years. Generally, the national student loan can be used for multiple academic years, and students can choose according to their actual situation, such as choosing a four-year loan or a three-year loan.

Extended data:

First, the consequences of the national student loan default

1. If a student who borrows a national student loan fails to repay the loan within the time limit and amount stipulated in the repayment agreement signed with the handling bank, the handling bank will charge a penalty interest for the amount of default repayment;

2. The handling bank will enter the default information into the basic database of personal credit information of the People's Bank of China for all financial institutions in China to inquire according to law. Take restrictive measures against defaulting borrowers who maliciously default on loans and refuse to provide financial services such as housing loans and auto loans;

3. For borrowers who have seriously defaulted on repayment, relevant administrative departments and banks will announce their names, citizenship numbers, graduation schools and specific breach of contract through news media, internet and other information channels;

4. Lenders who seriously breach the contract will also bear relevant legal responsibilities.

Second, the special reminder of student loans

1. The borrower shall carefully read the contract text and earnestly perform all the obligations of the borrower.

2. If the relevant national policies are adjusted, the new policies shall prevail.

3. China Development Bank and capital centers at all levels have the right to publish and use the borrower's personal information and the borrower's loan default information in accordance with relevant regulations without the borrower's consent;

4. The borrower's personal information and the borrower's loan default information will be entered into the personal credit information system of the People's Bank of China, and the bad credit record will have a far-reaching impact on the individual's future life and work.

5. After repayment, the borrower shall check the accounts with the student financial assistance management department of the Municipal and County Education Bureau and the handling bank in time to prevent problems.