If the book fee is not involved, please ask the teacher to explain. After a while, if you really want to pay it back, the loan will hit your card. The bank will transfer the money to your card first, and then the school will deduct it from your card. This process is very short and controlled by the program, so I feel that the bank will directly call the school card and pay the tuition. After the school has a bottom, it will not deduct money from your card, so it is direct.

I. Application conditions

(a) the national student loan is applicable to full-time undergraduate and junior college students who have financial difficulties in institutions of higher learning in People's Republic of China (PRC) (excluding Hongkong, Macao Special Administrative Region and Taiwan Province Province).

(2) At the same time, students applying for loans must meet the following conditions:

(1) Having full capacity for civil conduct (minors must obtain the written consent of their legal guardians);

(2) Abide by the law and have no violations;

③ Good academic performance;

(4) The income earned during the school period is not enough to cover the basic expenses (including tuition and basic living expenses) needed to complete their studies;

⑤ Honesty and trustworthiness;

⑥ Can provide guarantees that meet the requirements of banks;

⑦ Open a current savings account in ICBC;

Meet other conditions stipulated in the Trial Measures for the Administration of National Student Loans of Industrial and Commercial Bank of China.

The loan term and repayment method of the student loan:

1. The loan term of the student loan refers to the time from obtaining the loan to paying off the principal and interest of the loan.

2. Within four years after graduation (within the grace period for repayment of the principal), the borrower shall deposit the repayable loan interest into the Alipay account registered when applying for the loan before 65438+February 65438+May each year.

3. In 2020, the student loan policy will be adjusted, and the repayment period of the student-origin credit student loan will be adjusted from the third year of graduation to the fifth year of graduation. During this period, the borrower only needs to pay interest without repaying the principal. Before the loan, the three-year grace period is still the main one. If you are not sure, you can check your student loan contract.

4. From the fifth year after graduation, the borrower began to repay the principal and interest in the form of equal principal repayment, and the interest was paid off with the principal for the last time.

5. The repayment date is 65438+ February 20th every year, and the loan term is September 20th of the last year. If the repayment is not made in time before 65438 on February 20th of that year, it will be regarded as loans overdue, and a penalty interest will be generated. The penalty interest rate is 130%.

6. Borrowing students who want to repay in advance can apply from June 5438+0 to June 5438+00 (except June 1 1 day) every month, and the repayment date is the 20th of that month, without the approval of China Development Bank.