Student loans can apply for deferred repayment, but they must meet the conditions for extension. Under normal circumstances, postponed cases need to be postponed due to reasons such as promotion to undergraduate, graduate study, and master's degree to doctoral degree. Due to illness, joining the army, supporting schools, etc. , the academic system needs to be extended and postponed; Extending the academic system due to changing departments requires postponement and postponement.

How to apply for deferred repayment of student loans in China Development Bank?

Borrowing students who meet the extension conditions can apply for extension of registration and repayment in the university student office. After examining the loan student's application for continued interest discount, the university applies to the loan handling bank for deferred repayment.

After receiving the application for deferred repayment approved by the school, the handling bank will adjust the student loan repayment plan of the loan student, and the loan interest generated during the period of continuing to study for a degree will be subsidized by the original discount financial department according to the affiliation of the university where the loan student is located.

Business handling in different regions is slightly different. For the specific application method of deferred repayment, you can consult your university or student loan.

Postgraduate loans can be extended.

You can apply for deferred repayment of student loans after graduation. You need to pay attention to:

1. If you choose to pursue further studies (postgraduate degree or second bachelor's degree) after graduating from university, you can apply for renewal of the loan during your study period, and then repay the student loan after graduation of the postgraduate/second bachelor's degree. At that time, the repayment period will be shortened accordingly (the term of student loan is academic system plus 15 years, and the longest is no more than 22 years).

2. In the executive meeting held in the State Council on May 1 1 2022, it was clearly pointed out that the principal of this year's and previous years' graduate loans can be extended for one year; And decided to waive the national student loan interest that should be repaid this year. Interest-free funds will be borne by the finance.

After the extension, you must also remember to repay on time (the repayment date of the student loan is 65438+February 20 every year, and the last year is September 20). The student loan itself has a five-year grace period, that is, when students start to repay after graduation, they only need to pay interest in the first five years, and the grace period ends before paying interest.