1. Apply for a student loan through China Development Bank, and enjoy interest-free preferential policies during school. Repayment after graduation bears interest according to the benchmark interest rate of central bank loans for the same period; 2. To apply for college students' credit loans through major banks, you must be at least 18 years old, and have no bad credit record and no other liabilities; 3. Through the loan platform or institution in the market, you need to be wary of routine loans, and you must find a formal and reliable platform. There are four main loan forms: national student loan; Student-origin credit student loan; Colleges and universities use state financial funds to provide students with interest-free loans; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan. Public full-time colleges and universities should actively implement the national student loan policy and jointly handle the national student loan for students from poor families in colleges and universities with cooperative banks. In addition, some private colleges and universities have carried out national student loans. Students should pay attention to the relevant statements in the school enrollment brochure or admission notice. Generally speaking, students from poor families need to apply for national student loans from local banks through schools. In principle, students apply once, and the bank will issue national student loans in stages during their school days. What materials do I need to provide to apply for a national student loan? Copy of my student ID card and resident ID card (minors must provide valid identity certificate of legal guardian and written consent to apply for a loan); My explanation of the family's financial difficulties; Proof of family financial difficulties issued by the relevant departments where the students' families are located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them. The relevant departments of the examination and approval 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. Repayment method Before graduation, students will pay off in one lump sum or in installments; After graduation, students can watch their movable funds to repay their loans; After the probation period expires, graduates will be deducted from their wages month by month within two to five years; The unit where the graduates work decides to reduce the loan repayment according to their work performance; For students who have borrowed money, if they are expelled from the school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, the parents of the students should be responsible for returning all the loans.

Where can college students get loans?

Hello, dear, there are the following platforms for college student loans:

I accept a loan.

My loan APP claims to be the fastest platform for college students to borrow money. The amount is 300-3000 yuan, the loan interest is 1%-2%, and the loan term is 1 month -6 months. After college students register successfully, they can borrow money quickly by filling in relevant information with their ID cards and student ID cards and taking photos.

My loan amount is 300-3000 yuan, the loan interest is 1%-2%, and the loan term is 1 month -6 months. Review the next payment of the day. It only takes three minutes to pass the audit quickly.

Second, prestigious school loans.

Famous School Loan APP is a college student loan application launched by Pounder, Nuo Nuo. You can apply as long as you register and fill in the student status information. The maximum loan amount is 100-50000. The handling fee for borrowing money is 0.99%, calculated on a monthly basis. You can receive the funds within 48 hours after borrowing.

You can apply as long as you register and fill in the student status information. The maximum loan amount is 100-50000. The handling fee for borrowing money is 0.99%, calculated on a monthly basis. You can receive the funds within 48 hours after borrowing.

Third, college student loans.

Jiurong Finance mainly offers college students' loans, entrepreneurial loans, school grass loans, school flower loans and emergency loans. The borrower of Jiurong Financial College Student Loan can apply as long as he is a junior college student or above, and only needs to prepare a student ID card and ID card. The monthly interest rate is 0.98%, and the amount is100-50,000 yuan. In order to facilitate the emergency needs of college students, Jiurong Finance has specially opened emergency loan products, which is faster and easier to approve. The unified amount is 2000 yuan, which can be paid within 3 hours.

Fourth, lightning study loan

Lightning Learning Loan provides the most flexible loan amount, providing loans ranging from 300 yuan, 500 yuan and 800 yuan to college students. According to the repayment ability of college students, flexible repayment periods as short as 7 days and as long as 15 days are provided.

Verb (abbreviation for verb) University loan

Mainly for college students, it provides 500 yuan, 800 yuan, 65,438+10,000 yuan third-grade loans with a loan period of 10-40 days. Family U charges a service fee (250. 1%/ day) for each successful loan.

Sixth, U-nation University Loan APP.

U-Family University Loan is a loan APP for college students' multi-faceted consumption habits. The loan amount is1000-3,000 yuan, the loan term is 3-6 months, and the handling fee rate is 1.2%- 1.9%. The longer the loan term, the higher the interest rate.

Seven, flash silver APP

For 52-inch people (2 years before graduation and 5 years after graduation), Flash Silver APP only needs an ID card and a bank debit card to borrow money, and the monthly handling fee rate is 1.5%-2%. Funds can be received on the same day.

Eight, lightning learning loan APP

Lightning learning loan is a mobile phone software for college students' cash lending launched by Shanghai Zhuxin Finance. The biggest feature of the Android version of "Lightning Learning Loan" is that it can help college students solve their urgent needs. No matter they need emergency funds in life, study and entertainment, they can use the lightning study loan to borrow. Lightning Learning Loan provides loans for college students ranging from 300 yuan, 500 yuan and 800 yuan, and it is very convenient to make a flexible repayment cycle as short as 7 days and as long as 15 days according to the consumption ability of college students.

However, it is suggested that college students should not consume and use online loans in advance, which will have a great impact on themselves if they are overdue.

I hope this answer can help you.

There are several kinds of student loans for college students.

There are three kinds of student loans for college students: national student loans, student-origin credit student loans and commercial student loans.

First, the conditions for applying for national student loans

1 family financial difficulties

2. Persons with People's Republic of China (PRC) (China) nationality who have reached the age of 16 must hold the resident identity card of the People's Republic of China.

3. Have full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians)

4, honest and trustworthy, law-abiding, no illegal behavior.

5. Study hard and finish your studies normally.

Second, the conditions for applying for student loans

1, with People's Republic of China (PRC) nationality.

2, honest and trustworthy, law-abiding.

3. Freshmen or college students who have been formally admitted to full-time ordinary colleges and universities, higher vocational schools and institutions of higher learning approved to set up and implement higher education according to the relevant provisions of the state, and have obtained a true, legal and effective admission notice.

4. Students' pre-school household registration and their parents' (or other legal guardians') household registration are in this city, county (city, district).

The family is in financial difficulties, and the income they can get is not enough to pay for the basic expenses needed to complete their studies at school.

Iii. Conditions for applying for commercial student loans

1, with full capacity for civil conduct.

2. Students who hold valid identity cards and study in overseas schools must hold their own passports or passes.

3, with the school's admission notice (admission notice) or student ID card and the school issued by the required tuition and living expenses.

4. Meet the learning and behavior standards required by the lender and have no bad credit behavior.

5. Promise to inform the lender of its latest work unit and effective communication methods in time after leaving school.

6, there is a certain proportion of education funds needed by the educated.

7. If it is agreed in writing that the loan will not be repaid within one year, the lender may announce the breach of contract in its school or relevant media.

8. Provide mortgage or pledge of assets recognized by the lender or third-party joint liability guarantee.

Extended data:

I. Materials for applying for national student loans

1, national student loan application

2. A copy of my student ID card and resident ID card (the minor provides the valid identity certificate of the legal guardian and the written opinion of agreeing to apply for a loan).

3. My explanation of the family's financial difficulties

4. Proof of family financial difficulties issued by the relevant department where the student's family is located.

Second, the materials for applying for student loans

1. Original and photocopy of the borrower's and co-borrower's household registration book.

2. The original and photocopy of the identity card (or valid identity certificate) of the borrower and co-borrower.

3. Proof of student status: the freshmen shall rely on the college admission notice and its copy, and the students shall rely on the student ID card and the borrower's source of life certificate issued by the college where the borrower is located.

Three, apply for commercial student loan materials

1. Original and photocopy of valid personal residence identity document.

2. The school's admission notice and photocopy or student ID card and photocopy.

3. Proof of tuition and fees and living expenses required by students during their study period issued by the school.

4. Personal savings or credit card account opened in China Bank.