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. The national student loan is a bank loan which is led by the government, subsidized by the finance, and compensated by the finance and universities at certain risks, and jointly operated by banks, education administrative departments 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. Borrowing students apply for loans from the bank through the school to make up for the lack of expenses during their school days and repay them in installments after graduation. On August 8, 20 12, the new student loans of the development bank will exceed 1200 million yuan. Then, after the student loan expires, how should it be repaid and what are the repayment methods? This question may not be well understood by many college graduates. In this paper, the author will talk about the common repayment methods of student loans and their specific operation methods. It is understood that student loans mainly have the following repayment methods: (1) Repayment by installments according to the repayment period: 1, and loan interest is calculated from the graduation of college students. The borrower can start repaying the principal and interest in any January within two years, and there are two repayment methods: matching the principal and interest and average capital. Pay in one lump sum. Pay off the principal of the student loan in one lump sum without paying any interest before leaving school. 3 prepayment, the borrower logs into the student repayment system. Find the "prepayment application" option, enter the page, click the "Add" button, select the loan contract to be repaid, and the system will automatically calculate the repayment amount (for reference), and save the repayment application after confirmation. It should be noted here that once the prepayment is applied, it cannot be cancelled, so the borrower should carefully fill in the repayment amount according to his own economic situation. 4. Deferred repayment is only for college students who continue to study for their degrees at Jiaotong University after graduation. This situation is relatively rare. (2) Choose the repayment method according to the repayment situation: 1 cash repayment, and the borrower himself or the faculty teacher will bring cash to CDB to find the account manager to calculate the principal and interest of the student loan. Just bring the receipt to the corresponding window to handle the repayment business. Remittance repayment: Before remittance, the borrower should contact CDB customer service to inquire about the principal and interest amount of the student loan he needs to repay, and then remit the loan principal and interest amount to the designated account through bank remittance for repayment. 3 Alipay repayment, the borrower can change the repayment method of rural credit cooperatives or postal savings to Alipay repayment, log in to the system and change the repayment method. Then submit a change application to the funding center. After the funding center confirms, Alipay can repay the loan. This kind of student loan repayment method is very common in many areas. Let's teach you how to repay student loans through Alipay and banks. 1. Repaying student loans through Alipay can be roughly divided into six repayment steps: 1. Find the platform for personal account login in the visited page, enter the account number, password and verification code, and then log in; 2. Then click Recharge on the personal account platform, select the online banking channel, and fill in the amount to be repaid this month in the recharge amount; 3. Then enter the "online banking recharge" interface, open the online banking page, fill in the card number and password, and complete the recharge; 4. On the 20th of each month, Alipay will automatically deduct money; 5. Log in to Alipay interface at the end of the month to learn about the automatic deduction. Under normal circumstances, if the deduction is successful, it means that this month's student loan has been successfully returned. Second, go directly to the bank to apply for a student loan. Repayment steps: 1. Before you go to the bank, you must bring all the materials for applying for a student loan, as well as your ID card and bank card. The most important bank card password must be remembered, otherwise it will bring more trouble to your handling process; 2. After entering the bank, queue up to get the number, then get the application form from the staff and fill in all the contents in detail; 3. Go to the counter to handle the loan repayment procedures; 4. Send the repayment voucher to the relevant person in charge. As the saying goes, "A drop of water pays off with a spring", and the national student loan helps poor college students realize their dream of going to school. Therefore, college students should serve the country after graduation. In addition, the student loan provided by the bank also needs to be repaid before the specified date after graduation. Never overdue repayment, which will cause bad personal credit record and bring great trouble to future life and loan application.