When our borrowing students successfully apply for the national student loan, they will face the problem of repayment. So what should we pay attention to when we borrow students to repay the national student loan? The following describes the repayment method, repayment process and possible problems of the national student loan.

_ repayment method

1, due for repayment

Maturity repayment means that students who borrow national student loans pay off all the loan principal and interest in one lump sum on the loan maturity date 3 according to the loan contract. Maturity repayment is the most basic repayment method of national student loans. There are three ways of repayment due, namely, early repayment, direct repayment or other ways recognized by the student financial assistance management center and the agent bank in colleges and universities.

There is no need to apply in advance when the repayment is due, and students can apply for repayment directly.

2. Repay on time

Before the agreed repayment date, the borrower will deposit the loan principal and interest into the special account for individual national student loans, and the agent bank will automatically withdraw from the account on the agreed repayment date. You can also go directly to the bank to repay by cash or transfer.

3. Advance payment

Borrowing students pay off the loan principal and interest in one lump sum before the repayment date agreed in the contract, which is called early repayment. Early repayment is also one of the common repayment methods of national student loans. Students who repay in advance should apply to the Student Financial Assistance Management Center 15 days in advance. The interest of prepayment is calculated according to the expected annualized interest rate agreed in the contract and the actual service life of the loan, and no other fees are charged except the interest payable.

Tips: For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily quit school for violating national laws and school discipline, their parents should be responsible for returning all the loans.

_ Repayment process

1. Repay with Alipay

Log in to the "National Development Bank Student Loan Information Network", find a personal account login on the login page, enter the account number, password and other information, find the repayment application, and fill in the information as required. Specific repayment records can be found in the repayment records of your loan background. 2. Bank repayment.

Get the application form from the bank staff, fill in all the contents in detail, go through the repayment procedures at the counter after filling it out, and hand over the repayment voucher to the relevant person in charge.

_ Liability for breach of contract

I would like to remind you that you must remember to repay the loan on time, or you will be liable for breach of contract:

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 on the amount of default repayment.

2. The handling bank will input the personal basic information and repayment of the graduated students 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. If the graduates of the national student loan break the contract seriously, it will affect them to apply for other personal consumption credit from financial institutions.

3. After entering the repayment period according to the repayment agreement, the relevant administrative departments and banks will announce the borrower's name, citizenship number, graduation school, specific breach of contract and other information through news media, internet and other information channels.

4. The defaulter shall bear relevant legal responsibilities.

How to repay the college student loan?

There are two ways to repay the national student loan:

1, Alipay repays.

Students can log on to the online service system of student loans in colleges and universities of China Development Bank, and then carry out Alipay real-name authentication, and bind their personal mobile phones (convenient for mobile phone payment, mobile phone password retrieval and loan maturity reminder SMS, etc.). ) and determine the amount paid by Alipay to the bank card. After that, students need to recharge Alipay in time and check the repayment situation in time.

2. Bank repayment.

Borrowers need to bring all materials for student loans, as well as their ID cards and bank cards. After entering the bank, he will go to the staff to collect and fill out the application form, and then go to the counter to go through the repayment procedures. It should be noted that the borrower should remember to submit the repayment voucher to the relevant person in charge.

How do college students repay their student loans?

There are two ways to repay student loans:

Alipay repayment and bank repayment. Students' loans at school are interest-free, and the bank will charge interest according to the bank interest rate after graduation. Therefore, the earlier the loan is repaid, the less interest can be paid.

Bank repayment:

Before you go to the bank, you must bring all the materials for handling student loans, as well as your ID card and bank card. The most important bank card password must be remembered, otherwise it will bring more trouble to your handling process. After entering the bank, queue up to get the number, then get the application form from the staff and fill in all the contents in detail;

Then go to the counter to repay; Finally, send the repayment voucher to the relevant person in charge.

Application method of student loan:

Students from poor families need to apply for national student loans from local banks through their schools. In principle, students apply once during their school days, and the bank issues national student loans by stages. The following information is required:

1, national student loan application;

2. Copy of my student ID card and resident ID card (minors must provide valid identification of legal guardians and written consent to apply for loans);

3. I explain the family's financial difficulties;

4. Proof of family financial difficulties issued by the relevant department where the student's family is located. I am responsible for the authenticity of the certification materials provided by the students.

The relevant departments of the school are responsible for the qualification examination of the national student loan application submitted by students, and check the authenticity and completeness of the materials submitted by students; The bank is responsible for the final examination and approval of student loan applications.

So much for the introduction of university loan repayment process.