No, you can't apply for a student loan with bad credit information. Whether it is to apply for student loans from students' origin or to apply for commercial student loans from banks, banks will review the credit information of borrowers, including * * * borrowers. If the credit status is poor, then the application threshold will not be reached.

For example, some immediate family members have bad credit records, and children are very scared. You can't apply for student loans. In fact, the student loan means that the state can help some students from poor families to go to college with peace of mind. Then the immediate family members did not return it on time, which eventually led to personal credit problems and would not affect the children's application for student loans.

Application process of student loan:

1, student application

Students receive the "National Student Loan Application Approval Form" and other materials, fill them out truthfully and completely, and prepare relevant supporting materials to return to the school's national student loan agency.

2, the school institutions to review the loan.

School institutions organize students to apply for loans and accept student loan applications within the annual loan amount and control ratio issued by the National Student Loan Management Center.

3, the handling bank for loan approval.

The handling bank shall complete the audit within 20 working days after receiving the information form and application materials submitted by the school.

4. Sign a loan contract with students.

After the loan application is approved, the school will organize students to fill in, sign loan contracts and IOUs within 10 working days according to the loan student roster provided by the handling bank, and submit them to the handling bank.

Step 5 issue loans

The handling bank shall, within 20 working days after signing the loan contract and iou with the borrowing students, uniformly transfer the first-year tuition, accommodation and living expenses into the designated account opened by the school in the handling bank.

Step 6 repay the loan

Borrowing students should pay attention to their own credit and repay on time after completing their studies with student loans. 60 days before graduation every year, the school will organize the borrowing students to go to the handling bank to go through the repayment confirmation procedures, and the handling bank will send people to provide on-site service to explain the repayment related matters to the borrowing students and answer their inquiries.