The extra money has been left in Alipay, and the school will automatically deduct the tuition fee, and the rest will be in Alipay. You can put it in your bank card, and Alipay is your Alipay payment. The student loan is directly transferred from the bank to the lender's personal account, not directly to the school account.

1. Why hasn't the extra money from the student loan arrived yet?

First of all, you have to confirm whether there is any money after the transfer, that is, whether the loan amount is less or more than the transfer. Only when you make sure there are more will there be surplus. For example, if the loan amount is less than the transfer amount of the school, not only is there no money left, but students have to make up for the less money themselves. Usually, you can check the amount in the school fee schedule and loan contract.

For example, the loan amount in the loan contract is 8000 yuan, and the amount of tuition+accommodation fee must be below 8000 to have the remaining amount. If it is more than 8000 yuan, there is no extra money. All the loan amount is transferred to the school account, and the arrears are made up by the students.

If there are surplus funds, students can only call their Alipay account after paying the account. If the account is unavailable, it may be that the current account is not the specified student loan account. For example, a student's personal Alipay account cannot find a student loan for that account.

It should be noted that after the student loan arrives, Alipay cannot be used directly, because the payment function of Alipay account is closed according to the student loan. After completing the real-name authentication, students need to withdraw the extra money into their bank cards.

2. The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy.

3. What are the reasons for applying for a grant? (1), the first reason for applying for a grant is the domestic economic difficulties. We must write down the poverty situation at home. (2) Love learning. Grants are used to help students from poor families study, so you must love learning when applying for grants. It is impossible for a school to provide financial aid to a person who doesn't like studying. You must describe your academic record and attitude carefully. (3). It should also explain the special family situation of single parents or orphans. Because I am sick at home, I can't work or go to school. The specific reasons should be filled in according to the students' actual situation, and the facts should not be exaggerated too much.

When will the rest of the student loan arrive?

Generally, the application time of national student loan is from September to June every year, 65438+ 10. If the national student loan application is successful, it will be issued in mid-June 165438+ 10. Just wait patiently. After the school deducts the fees, the remaining money will go to everyone's Alipay account. Details are as follows:

1. After the student loan is issued, the students who help the loan cannot be the first to take the lead.

2. When colleges and universities automatically deduct money, they don't need to help students with loans. If the university deducts money successfully, the payment is successful.

3. After the university deducts money, if there is any surplus, it will stay in its own contract Alipay. After the real-name authentication of your loan contract contains a high amount of Alipay, you can withdraw it to the bound bank card for your short-term living expenses.

4. If the amount of receipts owed by colleges and universities is greater than the actual amount owed, the remaining part should be left in colleges and universities and returned to everyone after settlement by colleges and universities. Please pay attention to the specific refund time and method.

The preliminary review and process of its distribution are as follows:

1. After the first batch of loan students handle it on the spot, the students who renew the loan can get the acceptance certificate and contract of student-origin student loan issued by the county student aid center, and at the same time they will all receive the receipt verification message from China Development Bank 95593 about your student loan.

2. At the beginning of the school year, college students with student loans can register and pay in colleges and universities with the acceptance certificate issued by the county funding center. If the loan amount can fully cover the tuition and accommodation fees for the new academic year, these two fees will not be paid! If the loan amount cannot fully cover the tuition and accommodation fees payable, the difference will only be paid by cash or transfer. After handing in the acceptance form, you can wait patiently

3. After the student loan acceptance certificate (or receipt check code) is submitted to the university, the university will conduct offline and online audit.

Offline audit: the main audit is to judge whether you passed the poverty identification of colleges and universities in the last academic year, so as to determine whether you meet the conditions of student loans.

Online audit: after passing the qualification judgment of college student loan, the college financial aid center will enter the college end of the student loan management system of China Development Bank to enter the outstanding funds for you.

4.10 Before June 15, colleges and universities must enter the unpaid amount for all students with student loans, otherwise they cannot continue to enter. The National Development Bank will close the function of entering the amount of collection in colleges and universities around the middle of 5438+ 10. After the receipt is entered in colleges and universities, the county aid center will summarize and submit this year's student loan application, and accept the audit of Sichuan Branch of China Development Bank.

5.11From late October to mid-October, all regional branches of China Development Bank will review all the student loan contracts in the province in 20021year. As long as the colleges and universities pass the examination, the certificate uploaded by the county aid center for you is correct, and your own contract is signed accurately, there is no problem with the provincial branch of China Development Bank. Of course, if the certificate uploaded to you by the county financial aid center is wrong, or the signature of the first loan student is inaccurate, the problem undertaker will be urged to rectify within a time limit or promise to rectify through the county financial aid center.

6. After the approval of the provincial branches of China Development Bank, 1 1 will be distributed around mid-June. The student loan you apply for will be credited to your loan contract Alipay. After the account arrives, your university will automatically deduct it from your loan contract Alipay without doing anything. After the successful deduction in colleges and universities, CDB 95593 will inform you of the amount of student loans issued this year and the amount of automatic deduction in colleges and universities by SMS, so that everyone can understand. It takes some time to issue loans, so just wait patiently.

How long will it take for the school to repay the student loan after deducting the fee?

Loan students should start to repay the loan principal within 1-2 years after graduation and pay off the loan principal and interest within 6 years. The state encourages loan students with good income after graduation to pay off the loan principal and interest in advance. The loan contract signed before August 2004 (including graduate repayment agreement) generally stipulates that the loan student will pay off the loan principal and interest within four years after graduation.

Repayment method (1) Students shall pay off in one lump sum or in installments before graduation; (2) After graduation, students can look at their own movable funds to repay the loan; (3) After the probation period expires, graduates will be deducted from their wages every month within two to five years; (4) The unit where the graduates work decides to reduce the loan repayment according to their performance; 5] For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, the parents of the students are responsible for returning all the loans. After deducting the corresponding tuition and accommodation fees, the school will refund the overcharged fees, which will be completed in about one or two weeks. If the extra money is not refunded after the school deducts tuition fees, students can contact the relevant personnel of the school for consultation.

Overdue treatment

Many students' overdue interest payments are caused by their ignorance of the policy. The term of the student loan is 10 year, and the interest rate is based on the benchmark interest rate. Students' interest during school is fully subsidized by the state, and they must pay their own interest after graduation. Considering that some students may not be able to find jobs in time after leaving school, the state has also set a grace period of two years after graduation. During the grace period, students only need to pay interest without repaying the principal. However, due to the lack of understanding of the policy, many students think that the grace period means no repayment and no interest. As a result, there have been some cases of overdue repayment. If it is maliciously overdue, you can explain to the bank and cancel your bad credit record. Don't be discouraged if there is indeed negative information in the credit report. This information will be deleted from the credit report after a certain number of years, and as long as individuals are honest and trustworthy in future credit activities, with the passage of time, new good records will gradually refresh and replace the old negative records.