In fact, it is not very troublesome for college students to apply for student loans. Generally, the required materials are as follows: (1) the original and photocopy of the household registration book of the borrower and his family. (2) The original and photocopy of the ID card (or valid identification certificate) of the borrower and guardian. (3) proof of student status. Freshmen's admission notice; College students use their student ID card and the credit student loan certificate issued by the school. The commercial loans that ordinary students can apply for are all credit loans, so Bian Xiao takes credit loans as an example to illustrate. 1. Applicants for college students' credit loans are required to provide application materials: (1) identity documents of the borrower and spouse (including the original resident identity card, household registration book or other valid residence permit) and proof of marital status; (2) Proof of repayment ability such as personal or family income and property status; (3) Business licenses and business licenses of relevant industries, relevant agreements, contracts or other materials for loan purposes; (4) Guarantee materials: the ownership certificate and list of the mortgaged property or pledge, the certificate that the person who has the right to dispose of it agrees to mortgage (pledge), and the appraisal report of the mortgaged (pledged) property issued by the appraisal department recognized by the bank. Second, the requirements for college students' credit loans: a) identification; B) Student ID card and report card (students in school); C) Diploma and degree certificate (graduated); D) List of frequently used bankbooks or bank cards (in the past six months). E) Other credit certificates (if any): scholarship certificate, class cadre certificate, club activity certificate, etc. (1) has reached the age of 18, and has a legal and valid identity certificate and a legal residence certificate where the loan bank is located, and has a fixed residence or business premises; (2) Hold the business license issued by the administrative department for industry and commerce and the business license of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest; (3) The borrower has certain self-owned funds for investment projects; (4) The loan shall be used in accordance with relevant national laws and bank credit policies, and shall not be used for equity investment; (5) Open a settlement account in the bank, and the operating income will be settled by the bank.

Second, what should I do if the college student loan is not repaid?

Failure to repay the student loan in full is overdue and will be credited to the personal credit record by the People's Bank of China. Moreover, the national student loan is a policy loan to help the poor and the overdue behavior is bad in some provinces.

If there is an overdue personal credit report, and it is like this kind of student aid loans overdue record, it will have a great influence on the future loan to buy a car and a house.

Now you must repay the principal and interest as soon as possible before you can apply for credit business normally, so that the loan interest rate will not be affected.

The repayment period of the information student loan is as follows:

In principle, the term of the student-origin credit student loan is determined according to the full-time undergraduate academic system plus 10 years, and the longest term shall not exceed 14 student education and second bachelor's degree, so the repayment period of students after graduation will be shortened accordingly.

There is a grace period for students in school and students two years after graduation. According to the loan contract, the principal and interest of the loan will be repaid in annual installments.