You need to apply before 10, and the loan will not be used when it expires. Credit the account before the 20th of each month.

Second, can student loans be directly credited to personal accounts?

Student loans are directly credited to personal accounts. Usually to the borrower's personal account. After receiving the letter of admission, bring the letter with you, and then ask the guarantor to apply for a student loan at a designated bank according to his province.

If you have a personal account in the designated bank, just provide the account number. If not, you can open a new account and the loan will be directly credited to the account.

3. Does the student-origin student loan transfer the money to the school account or the student bank account?

The handling bank will transfer the loan funds to the borrower's personal account, and then transfer the loan funds from the personal account to the tuition account of the borrower's school. If the tuition has been paid, the school will transfer the loan funds to the student's personal account.

Student-origin credit student loan refers to the student loan issued by financial institutions such as China Development Bank to eligible freshmen and students with financial difficulties. Students and their parents (or other legal guardians) apply to the county (urban area) student financial aid management center or financial institution where the students attend to help the students with financial difficulties pay the tuition and accommodation fees required during their study at school. Repayment term and repayment method:

In principle, the term of student-origin credit student loan is determined according to the full-time undergraduate academic system plus 10 years, and the longest is no more than 14 years. Among them, students are determined according to the remaining years of study plus 10 years. For those who have studied for more than 4 years or continue to study for a postgraduate degree or a second bachelor's degree, the repayment period after graduation will be shortened accordingly.

The two-year grace period is for students at school and after graduation. After the grace period is over, students and their parents (or other legal guardians) will repay the loan principal and interest in installments according to the loan contract. Student-origin student loans are usually issued to students themselves, that is, when students apply for student loans and sign contracts, they will have a designated Alipay account, and the loans will be directly credited to this Alipay account, and then the school will deduct them from the Alipay account through the system.

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After a student successfully applies for a student loan, he will give the receipt to the school, and the school will input the student loan information according to the receipt code, and then deduct the corresponding amount of tuition and accommodation fees. After deducting tuition and accommodation fees, if the money is not enough, students need to pay for it themselves. If there is any money left, students can take it out for their own use.

The loan amount of the student-origin student loan is greater than the tuition and accommodation fees, and the remaining balance in Alipay can be used. Subsequent student repayments are also directly returned to this Alipay account, and the system will deduct the money on the repayment date, which is very convenient.

After reading the above introduction, I believe that everyone has a better understanding of whether the money for student loans is directly handed over to the school. Student-origin student loan is a credit loan, but it needs a lender, and overdue repayment will generate penalty interest, which will affect personal credit information.

4. Is the student loan going to school or bank card?

Legal analysis: Student-origin student loans are not directly oriented to schools. Student-origin student loans are usually issued to students themselves, that is, when students apply for student loans and sign contracts, they will have a designated Alipay account, and the loans will be directly credited to this Alipay account, and then the school will deduct them from the Alipay account through the system. After a student successfully applies for a student loan, he will give the receipt to the school, and the school will input the student loan information according to the receipt code, and then deduct the corresponding amount of tuition and accommodation fees.

Legal basis: Article 46 of the Law on the Promotion of Private Education in People's Republic of China (PRC), people's governments at or above the county level can take measures such as purchasing services, granting student loans, granting scholarships, leasing or transferring idle state-owned assets to support private schools; Non-profit private schools can also take government subsidies, fund incentives, donations and other support measures.