The first form: national student loan The national student loan is a financial discount loan project, which is used to make up for the shortage of tuition, accommodation and living expenses during school study, and will be repaid in installments after graduation. Students with financial difficulties can apply for loans from schools as long as they meet the loan conditions. Apply for the loan contract signed by the bank and the loan student, and pay the student money on time. Discount time: the loan interest of the loan students is fully subsidized by the finance during their school days. Loan amount: the maximum amount of full-time undergraduate students is 8,000 yuan per academic year, and the maximum amount of full-time graduate students is12,000 yuan per academic year. Loan period: the longest loan period is 20 years, with a grace period of 3 years. During this period, only interest needs to be repaid, and there is no need to repay the principal. The second form: Student-origin credit student loan Student-origin credit student loan is a credit loan issued by financial institutions such as China Development Bank to eligible freshmen and students with financial difficulties. Students and their parents (or other legal guardians) need to be * * * borrowers, and * * * shall jointly bear the repayment responsibilities. Students and their parents apply to the student financial assistance management center or financial institution in the county (urban area) where the students are registered. Discount time: the interest of students during their school days is fully subsidized by the finance. Loan amount: no more than 8,000 yuan per person per academic year. Loan period: the longest period of full-time undergraduate education (according to the remaining years of study) plus 65,438+00 years, and the longest loan period shall not exceed 65,438+04 years.