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Can I still apply for a student loan after I find out that my credit is overdue?
No, of course, you can't apply for a student loan if the credit is overdue. Because if you find that your credit is overdue, it should be unqualified. If you have credit problems, you can't apply for a student loan. Any loan will review your credit information. Once the credit is overdue, it means that you have not repaid the loan, then the loan platform will not issue the loan. Generally, even if you apply, the bank will not pass the examination, so you can't apply for a student loan.

It is found that overdue student loans are basically difficult to deal with. If the overdue loan is not serious, it can be repaired for a period of time. If the student is loans overdue and the user has settled the overdue debt, the user cannot apply for a loan until the overdue record is deleted from the credit information. If the overdue records have been deleted from the credit information, users can apply for loans normally. Of course, if the overdue arrears of users are not settled, the student aid loans overdue record will always be kept, thus forming a credit stain. Users with tainted credit information can not only apply for credit business, but also be sued by banks. After being sued by the bank, the court will force the user to repay.

1. 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.

2. The national student loan is a bank loan led by the government, with financial subsidies, joint compensation from finance and universities, and joint operation of 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. 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.

3.2065438+On August 8, 2002, the new student loans of the Development Bank will exceed1200 million yuan. 2065438+On July 20th, 2005, the Ministry of Education and other departments jointly issued "Several Opinions on Perfecting the National Student Loan Policy". According to the Opinions, in order to effectively reduce the financial burden of borrowing students, the longest loan period is extended from 14 to 20 years, and the grace period for repayment of principal is extended from 2 years to 3 years. The loan interest of students during their school days will be fully subsidized by the government.