That's not true. If a freshman applies for a loan, select 10, which is calculated from the freshman year. You need to pay back within 10, and you don't need to pay back during school, that is, you must pay back within six years after graduation. During the freshman to senior year, the interest shall be borne by the state. Within 6 years after graduation, you need to repay the principal and interest every year, as long as you deposit the repayment amount into Alipay repayment account before 65438+February 20 every year. Of course, users can also apply for prepayment and submit the application in June 1- 10, but not in June1/. After the application is submitted, the repayment amount will be deposited into Alipay account, and the system will automatically deduct the payment on the 20th of that month.

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First, the conditions needed to apply for student loans

Students from poor families who meet the following conditions can apply for loans:

1, with People's Republic of China (PRC) nationality and People's Republic of China (PRC) identity card;

2. Have full capacity for civil conduct (minors must have the written consent of their legal guardians); Honest and trustworthy, law-abiding, no violations of law;

3. Study hard and be able to complete their studies normally;

4. Due to the family's financial difficulties, the income earned during the school period is not enough to pay the basic expenses (including tuition, accommodation and basic living expenses) needed to complete their studies;

5. Approved by the school.

Second, the application process of student loans

1. Students should submit a written loan application and relevant supporting materials to their college within 10 days after the start of each academic year.

2, each hospital, department (directly under the department) is responsible for organizing students to fill in the loan application form, the national student loan application submitted by students for qualification examination, and according to the requirements of the handling bank, the preparation of the national student loan application review information form. The above work should be completed within 20 working days. After the completion of this work, it should be publicized for 5 days to correct the problematic application.

3. The student loan office in the place of origin is responsible for affixing the official seal of the approved application form and the National Student Loan Application Review Information Form within 10 working day, and then submitting it to the handling bank together with the application materials in the form of electronic documents and written documents.

4. The handling bank shall complete the audit within 15 working days after receiving the application materials submitted by the school. After the review, a unified roster of students who have passed the review will be compiled and sent to the school within 5 working days.

5. According to the roster of loan students approved by the handling bank, the school cooperates with the bank to organize students to fill in and sign loan contracts and IOUs, which will be completed within 10 working days.

6. The handling bank will transfer the loans in the first year to the account designated by the school within 20 working days, and the loans in the second and subsequent academic years will be transferred to the account designated by the school within 20 working days after the start of each academic year.

7. After the borrower pays off the loan, the school can handle the relevant formalities for him.

8. 60 days before the borrower graduates, the school organizes the borrower to go through the repayment confirmation procedures at the handling bank, make the repayment plan and sign the repayment agreement.