1. Overview of student loans
Student loan is a kind of educational aid provided by the state, which aims to help students with financial difficulties complete their studies. The loan amount is higher, the interest rate is lower and the repayment period is longer.
2. Student loan conditions
College students can enjoy the national student loan, and they need to meet the following conditions:
(1) The identity certificate is legal and the style of study is not bad;
(2) Excellent grades and reaching the corresponding admission standards;
(3) financial difficulties, family financial situation can not support the completion of school.
3. The process of applying for student loans
(1) Fill in the application form: submit personal data and family information;
(2) Submitted materials: identity certificate, school registration certificate, family income certificate, etc.
(3) Audit: after being audited by the student loan management center, judge whether the loan conditions are met;
(4) Signing a contract: after passing the examination, provide guarantee when signing a loan contract with the bank.
4. The repayment period and method of student loans
The repayment period of college students' loans is generally 8- 10 years. Repayment methods include equal principal and interest and interest before principal. You can choose the repayment method according to your actual situation.
5. When applying for student loans, we should pay attention to the following questions:
(1) Fill in the application form in strict accordance with relevant regulations, and truthfully provide personal and family information and other materials;
(2) Pay attention to the guarantee method of the bank to the borrower when applying to avoid unnecessary financial risks;
(3) Pay attention to the repayment period and amount, make timely repayment, and maintain a good reputation.
In short, junior college students can apply for student loans, but they need to meet certain conditions and the repayment time will take several years, so they need to be carefully considered before applying. At the same time, during the repayment period, it is also necessary to strictly abide by relevant regulations to ensure timely repayment, safeguard personal credit and avoid unnecessary risks.