What is the process for getting a student loan for college students

When applying for a student loan for the first time, you generally need to borrow the student himself and his parents or other legal guardians who are the same borrowers Go to the Student Financial Aid Management Center of the Education Bureau of the county (city, district) where your household registration is located for on-site confirmation. If it is a loan renewal, then select a new loan on the loan page of the student online service system of the China Development Bank Student Loan Information Network, then update your personal information and submit a loan renewal statement.

Student loan process for college students

Loan students need to register in the student online service system and fill in the application online, then print out the application form and sign it; the application form requires department leaders, financial aid The center leader signs and seals; loan students bring the application form and other materials to the financial aid center to sign a student loan contract.

If it is a loan renewal, you need to go to the student online service system to submit a loan renewal statement. Students renewing their loans must log in to the student online service system at least twice a year and maintain mutual relationships, otherwise the loan renewal application will fail to be submitted.

Specific methods for applying for student loans

1. First apply for a national student loan from the school, fill out the application form online by logging into the credit student loan system, and print it out after completion;

2. Provide the school with the completed student loan application form stamped with the official seal of the village committee, township and street civil affairs department, and provide valid ID, household registration and other information;

< p>3. After receiving the loan application materials, the school will conduct a qualification review;

4. After passing the review, students and ***borrowers need to bring relevant materials to the relevant departments to apply for assistance. Learn the loan procedures, sign a loan contract, and then wait for the loan bank to release the loan.

How can I get a loan from a scholarship?

How to apply for a student loan:

1. Students applying for a loan should submit a loan application to their school with their valid documents within 10 days before and after the start of the new school year (loan applications should be made directly to Relevant departments of the school stated that banks do not directly accept personal loan applications from students);

2. Receive a national student loan application form;

3. Apply for a national student loan commitment letter Wait for relevant materials and fill them out truthfully.

4. The school will review the qualifications of students applying for loans based on the difficulties of the students and the loan amount determined by the state. After submitting it to the handling bank for review and approval, the bank will sign a loan contract with the student;< /p>

5. For some students whose families are in extreme financial difficulties and cannot provide guarantees, they can apply for loans for extremely poor students. After the school submits the application to the student loan management department for approval, the handling bank will handle the loan procedures in accordance with regulations.

Student loans generally refer to national student loans, which are government-led, fiscal interest subsidies, and financial institutions and universities jointly provide banks with certain risk compensation. Banks, education administration departments, and universities ***A bank loan operated by the same company that specifically helps students from poor families in colleges and universities. Borrowing students do not need to apply for loan guarantees or mortgages, but they need to promise to repay the loan on time and in installments after graduation, and bear relevant legal responsibilities.

There are four main forms of loans: national student loans; credit-based student loans from the student’s place of origin; interest-free loans provided by colleges and universities using state financial funds for students; and general commercial student loans. Among them, national student loans have the largest funding intensity and scale and are the main content of student loans.

Conditions for applying for a national student loan: Have full capacity for civil conduct (minors must have written consent from their legal guardian); be honest and trustworthy, abide by laws and regulations, and have no illegal conduct; study hard and be able to complete tasks normally Studies; Due to family difficulties, the income earned during school is not enough to cover the basic expenses required to complete studies (including tuition, accommodation fees, and basic living expenses); be reviewed and approved by the school; comply with the "General Rules for Loans" announced by the People's Bank of China other conditions specified in .

How to apply for a student loan

1. Prepare materials

Applicant’s ID card, copy of ID card, household registration book, household registration book copy, admission notice Or student ID card, local poverty certificate, etc.;

2. Submit an application

Applicants can apply directly at the school. Generally, schools will have this procedure, or they can go to the relevant local government departments. Go and apply;

3. Wait for review

Whether you apply at school or locally, you must wait for review. If the situation is true and you meet the loan conditions, you can wait for the money. . It is reported that the average school loan amount is more than 1,000 yuan per year. If you apply at the local government or education bureau, the education bureau will issue a certificate after reviewing it. You can just go to the bank to apply for the certificate.

How to get a student loan?

National Student Loan

(1) National Student Loan Application Process

National Student Loan Application Process: Students apply → the school conducts preliminary review → bank Carry out review and approval→Both parties sign a contract→The bank issues a loan→Start repaying the loan after graduation

Note: Banks do not directly accept loan applications from current students. Students applying for loans must submit a loan application to the designated department of their school with their valid documents within 10 days before and after the start of the new school year, receive and truthfully fill in the "National Student Loan Application Form", "Applying National Student Loan Commitment Letter" and other relevant Material.

(2) Conditions for applying for a national student loan

Conditions for applying for a national student loan: having full capacity for civil conduct (minors must obtain the written consent of their legal guardian); Be honest and trustworthy, abide by laws and regulations, and have no illegal behavior; study hard and be able to complete your studies normally; due to family difficulties, the income you can earn during school is not enough to cover the basic expenses required to complete your studies (including tuition, accommodation fees, and basic living expenses) ; Reviewed and approved by the school where you are located; Meet other conditions stipulated in the "General Rules for Loans" published by the People's Bank of China.

(3) Materials for applying for national student loans

Materials for applying for national student loans: Provide necessary information on yourself and your family’s financial status (generally including your written application, family Economic situation survey form, proof of difficulties at the street or township level or above, guarantor's letter of guarantee and his or her actual performance, etc.), commit to the loan repayment responsibility terms, and provide a loan repayment guarantor.