College students need to apply for loans. To apply for a loan, you must first be a college student who has reached the age of 18, and then you must have a good credit record and good conduct. The remaining conditions depend on the type of loan.

There are three kinds of loans that college students can borrow: national student loans, college students' entrepreneurial loans and college students' online loans.

The national student loan is a kind of student loan aimed at the life and study of students from poor families in colleges and universities, which requires the aided students to repay the loan within a certain period after graduation. To apply for a national student loan, you need to go through the application procedures: 1. Fill in the student loan application form and hand it over to the school. 2. The school needs your ID card, household registration book and family income statement (need the seal of the relevant unit of origin) when reviewing the qualifications. 3. After the school has passed the preliminary examination, the information will be submitted to the bank for review. 4. After being approved by the bank, the school will publicize the list of approved personnel. After the applicant confirms that the list is correct, he signs a loan contract with the bank and finally waits for the loan to be issued.

To apply for a national student loan, you must be at least 18 years old, with good conduct and good credit, and you must also meet the conditions that your family situation is difficult and you can't afford the basic expenses such as tuition, living expenses and accommodation required for your study and life at school. In addition, diligent study, correct learning attitude, honesty and law-abiding are also one of the necessary conditions for application.

College students' entrepreneurship loan is a preferential loan set up by the state to encourage college students to start their own businesses without guarantee or mortgage. To apply for college students' entrepreneurial loans, you need to go through the loan application procedures: 1, and prepare materials; 2. application; 3. Submit application materials; 4. The bank examines the application qualification; 5. Publicity list; 6, proofread the list of right and wrong; 7. Sign a loan contract; 8. Issue loans.

The conditions for applying for a loan have certain requirements for assets and funds: not only college students who have studied at school or graduated within two years should have a stable source of income and a fixed business place, but also some venture capital and reasonable and legal venture projects.

College students' online loans are commonly known as "campus loans", and college students' peer-to-peer lending platform loans generally aim at consumption.

Handling online loan procedures is very simple and the application conditions are very relaxed, so many college students choose this loan method. However, the repayment interest of online loans is so high that many students can't afford it. At present, the relevant departments have carried out rectification and suspended the opening of this business to college students.

What are the requirements for college students' loans?

First, the conditions for applying for student-origin credit student loans should be met.

1. The lender has full capacity for civil conduct, is honest and trustworthy, and abides by laws and regulations.

2. Freshmen or students who have been officially admitted to full-time ordinary undergraduate colleges, higher vocational schools and junior colleges (including private colleges and independent colleges, the list is subject to the announcement of the Ministry of Education) and have obtained a true, legal and effective admission notice.

3. The borrower, * * and the borrower's pre-school household registration and their parents (or other legal guardians) household registration are all in the county (city, district).

4, family economic difficulties, in line with one of the following characteristics, and provide corresponding proof materials:

(1) Rural poor households and urban low-income households (proof materials: urban and rural low-income passbook or poverty proof materials issued by township civil affairs offices and neighborhood committees).

(2) Orphans and disabled families (certification materials: orphan certificate, disability certificate or certificate of township civil affairs office and neighborhood committee).

(3) Suffering from natural and man-made disasters, resulting in heavy losses, unable to afford the students' fees (certification materials: certificates from township civil affairs offices and neighborhood committees).

(4) Family members suffering from serious diseases (proof material: diagnosis certificate of hospitals at or above the county level).

(5) The creator of the family's main income loses the ability to work for some reason (proof material: certificate from the township civil affairs office and neighborhood committee).

(6) Single-parent families with no stable income (certification materials: certificates from township civil affairs offices and neighborhood committees).

(7) Families with unemployed parents or one of them (certification materials: certificates from township civil affairs offices and neighborhood committees).

(8) The total cash income of the family in the previous year was less than 8,000 yuan (proof material: certificate from the township civil affairs office and neighborhood committee).

Two, apply for student credit loan materials should be submitted.

1. Freshmen apply for loans and submit the following materials:

(1) Application Form for Student-origin Credit Student Loan of China Development Bank (electronic form copied by U disk, 2 paper originals).

(2) The borrower's household registration book and valid ID card (show the original and hand in 2 copies).

(3) The borrower's admission notice (show the original and hand in 2 copies).

(4) Proof of family financial difficulties (1 original and copy).

(5) Bank card discount handled by the borrowing students at the local postal savings office (show the original for future reference and hand in 2 copies).

2, college students apply for a loan for the first time, submit the following materials:

(1) Borrower's household registration book and valid ID card (show the original and submit 2 copies).

(2)*** With the payee's household registration book and valid ID card (show the original and hand in 2 copies).

(3) Application Form for Identification of Poor Students in Colleges and Universities (1 original and photocopy). #p# Subtitle #e#

(4) Proof of family financial difficulties (1 original and copy).

(5) Bank card deposited by the borrower in the local postal service (show the original for checking and hand in 2 copies).

(6) Borrowing students show their student ID cards and hand in 2 copies.

3. When college students apply for loans for the first time (in 2008 and 2009, and in 20 10, they apply for renewal of loans), they shall submit the following materials:

(1) Application Form for Student-origin Credit Student Loan of China Development Bank (electronic version of U disk, 2 original paper copies).

(2) The borrower's household registration book and valid ID card (show the original and hand in 2 copies).

(3)*** With the payee's household registration book and valid ID card (show the original and hand in 2 copies).

(4) Borrowing students show their student ID cards and submit 1 copy.

Extended data:

There are generally two kinds of student loans commonly used by college students: national student loans and student credit student loans. The national student loan is a bank loan led by the government, subsidized by the government, and operated by banks, education administrative departments and universities to help poor students in colleges and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Student-origin credit student loan refers to the student loan issued by China Development Bank to eligible college freshmen and students with financial difficulties, which is handled in the county (city, district) where the students are registered before entering school. The loan funds are mainly used for students to pay tuition and accommodation fees during their school days. Student-origin credit student loan is an important part of college student loan.