Generally speaking, students from poor families need to apply for national student loans from local banks through schools. In principle, students apply once, and banks issue national student loans in stages.
2. The following materials are required to apply for the national student loan: 1. Apply for a national student loan; 2. Copy of student ID card and resident ID card (minors need to provide valid ID card of legal guardian and written consent to apply for loan); 3. I explain the family's financial difficulties; 4. Proof of family financial difficulties issued by the relevant department where the student's family is located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them.
3. Review and approval. The relevant departments of the school are responsible for the qualification examination of the national student loan application submitted by students and checking the authenticity and completeness of the materials submitted by students; The bank is responsible for the final examination and approval of student loan applications.
4. Repayment method: (1) Students pay off their debts in one lump sum or in installments before graduation; (2) Students can observe the available funds to repay loans after graduation; (3) After the internship expires, graduates will be deducted monthly within two to five years; (4) Graduate work units can decide to reduce or exempt advance loans according to their work performance; (5) Students who have been expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline shall be repaid by their parents.
5. Repayment operation: Loan students should confirm the repayment plan of the student loan with the bank when going through the graduation formalities. Within one year after graduation, you can apply to the bank to adjust the repayment plan. The principal and interest of student loans can be repaid one or more times in advance in various ways. If college students choose to repay in advance, the handling bank will not charge other fees except the interest payable. The specific operation method is as follows: (1) Log in to the homepage of the national bank student loan information network, and enter the loan information page through the student login name and password (the default for online loan application in 2006-2008 school year is school code+student number), and the password is 8 years old; For online application in 2009 school year, the loan name and password for repaying the loan in advance are the login name and password of the student when applying for the loan. (2) Click "Prepaid Application" on the left to enter the page of prepayment application summary; (3) Click the "Add" button at the lower left of the prepaid application summary page to open the prepaid addition page; (4) Select a loan contract record, and click "OK" to save the information of applying for prepayment. (5) When logging in, if "There is something wrong with the security certificate of this website" appears on the webpage, please click "Continue to browse this website (not recommended)" in the penultimate line below to continue logging in.
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