A few days before the start of the new semester, students need the following information to go directly to the window where their school specializes in student loans:

(1) national student loan application;

(2) Copy of student ID card, ID card/household registration book (minors must provide valid identity certificate of legal guardian and written statement agreeing to apply for loan);

(3) Questionnaire survey of college students and families verified by the township or street civil affairs departments.

Second, apply for student loans.

College students applying for student loans should be full-time junior college students, vocational college students, graduate students or master students, and must be citizens of People's Republic of China (PRC) (except Hongkong, Macau and Taiwan Province Province) and have poor families.

Third, the conditions for handling student loans.

To apply for a student loan, you must meet the following conditions:

(1) is a citizen of People's Republic of China (PRC) and has an ID card (if the guardian does not have an ID card);

(2) Having full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians);

(3) Honest and trustworthy, law-abiding, no illegal behavior;

(4) Being able to complete their studies normally;

(5) The funds that can be raised due to family financial difficulties are not enough to pay for their basic study and living expenses (including tuition, accommodation and basic living expenses) during their school study.

Fourth, the loan amount of student loans.

The general student loan amount is between 1, 000-6,000, and each school requires students to pay it off six years after graduation according to their own situation. The interest generated shall be borne by the students and the state 50% respectively. When handling, you should fill in the "Application Form for National Student Loan", "Commitment Letter for National Student Loan" and the supporting materials provided by the street or administrative village.

Verb (abbreviation for verb) school audit

After being audited by the relevant departments of the school, students can go to the designated bank with relevant materials recognized by the school and sign relevant loan contracts with the bank.

Sixth, the repayment method of student loans.

When signing the contract, you should read it clearly. There are various repayment methods on it, which are usually paid off within six years at most. If the repayment period is up, you can apply to the bank, but the state will no longer bear the corresponding interest subsidy in the next period.

Legal basis:

Opinions on perfecting the national student loan policy: (5) Simplify the procedures of student loan.

All agencies and banks should simplify the loan procedures and may not require students to provide materials unrelated to the loan application.

It is strictly forbidden for students to charge any fees when issuing certificates for students with financial difficulties.

All institutions and banks should improve their services and simplify procedures. If the loan student continues to study for a degree, he only needs to complete the relevant procedures for applying for continuing discount, so he can no longer sign the loan extension agreement.

If the borrower prepays according to the loan contract, the handling bank shall charge interest according to the actual term of the loan, and shall not charge any additional fees.