There are different types of student loans, not all of which can be applied at the place where they are registered, or at the school where they study. The details are as follows: student loans are divided into national student loans and student-origin student loans.

Among them, the national student loan is handled in the school. After the school and the four major banks where the school is located, namely, the industrial, agricultural, commercial and Chinese branches, sign the cooperation agreement between the bank and the school, and the students who need loans at school sign the agreement with the bank, usually 6,000 yuan per year until graduation, and sign contracts to grant credit in batches. The information needed is generally a family economic status appraisal form, ID card, parents' information, etc. Student-origin student loans are accepted by the district and county funding centers where college students are registered, and the National Development Bank loans.

First, the research object

1. China nationality is required, and the household registration of parents or other legal guardians before entering school is local.

2. The aided students must be freshmen officially admitted to ordinary colleges and higher vocational colleges or students with valid admission notices.

Only students with financial difficulties can apply. And students should abide by the law and discipline, and there is no violation of law and discipline.

Two. * * * Same as the borrower.

The borrower of the student aid object must be his parents or other legal guardians, and the borrower must be under 60 years old, with good credit and local household registration.

Application process of student-origin student loan:

1, loan application

The borrower shall apply for a loan from the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where his domicile is located, fill in the loan application form and provide the following materials:

(1) Original and photocopy of the borrower's household registration book (this);

(2) The original and photocopy of the borrower and the borrower's identity card (or valid identity certificate);

3 proof of student status. Freshmen with university admission notice and its copy; Students should show their student ID card and the proof of the borrower's source of life issued by the borrower's university.

2. Contract signing

(1) the local funding center to review the application materials.

(2) the local financial aid center guides the borrowing students to open personal accounts in the handling bank.

(3) Sign the Loan Contract for Student-origin Credit Student Loan.

(4) The local aid center shall issue a receipt for the loan contract of the student-origin credit student loan.

3. Contract receipt

① Borrowing students bring contract receipts to school.

② The school shall go through the formalities according to the receipt requirements of the contract.

③ The student himself sends the contract receipt back to the student's county-level financial aid center.

(4) The local financial aid center shall compile a summary table and report it to the provincial student financial aid management center.

Provincial funding management center submitted to the handling bank for approval.

4. Lending

① The handling bank will transfer the loan funds into the borrower's personal account.

② The loan funds are transferred from the personal account to the tuition account of the borrower's school.

5. Contract change

After the signing of the loan contract, if the borrower needs to change the personal account name or account number, or the borrower cannot repay the loan according to the repayment plan agreed in the loan contract due to reasons such as continuing his studies or dropping out of school, the contract can be changed upon the borrower's own application and the approval of the county-level funding center. In principle, the adjustment of the repayment plan can only be carried out within the loan period agreed in the contract and cannot be extended.

legal ground

Measures of China People's Bank for the Administration of Student Loans

Article 3 Lenders shall issue unsecured (credit) student loans to students in institutions of higher learning (including junior college students, undergraduates and graduate students) (hereinafter referred to as borrowers), and unsecured (credit) student loans and guaranteed student loans to their immediate family members and legal guardians (hereinafter referred to as borrowers).