That's not true. If a freshman applies for a loan, select 10, which is calculated from the freshman year. You need to pay back within 10, and you don't need to pay back during school, that is, you must pay back within six years after graduation. During the freshman to senior year, the interest shall be borne by the state. Within 6 years after graduation, you need to repay the principal and interest every year, as long as you deposit the repayment amount into Alipay repayment account before 65438+February 20 every year. Of course, users can also apply for prepayment and submit the application in June 1- 10, but not in June1/. After the application is submitted, the repayment amount will be deposited into Alipay account, and the system will automatically deduct the payment on the 20th of that month.

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First, the conditions needed to apply for student loans

Students from poor families who meet the following conditions can apply for loans:

1, with People's Republic of China (PRC) (PRC) nationality and a resident identity card of the People's Republic of China;

2. Have full capacity for civil conduct (minors must have the written consent of their legal guardians); Honest and trustworthy, law-abiding, no violations of law;

3. Study hard and be able to complete their studies normally;

4. Due to the family's financial difficulties, the income earned during the school period is not enough to pay the basic expenses (including tuition, accommodation and basic living expenses) needed to complete their studies;