4.2 Student Online Service System
The website of student-origin student loan is, and the website of college student loan is htt. Students can apply for a student loan and repay it in advance on the student online service system, inquire about the loan status, repayment plan and repayment record, and make personal information changes, borrower information changes and personal account changes.
Matters needing attention
1. Students should pay attention to the operation guide at the bottom of the page when using this website.
2. Students applying for new loans need to register to log on to this website; The login name of the borrowed student defaults to the ID number of the college code, and the initial password is my 8-digit birthday number. After logging in for the first time, you will be prompted to change your password.
3. Graduation confirmation is an important step for students to start repayment. In order to understand the repayment plan and ensure that you can repay on time, please log in to the student online service system before graduation and do a good job of graduation confirmation.
4. Alipay will send a repayment reminder message to students' mobile phones five days before the repayment date. In order to facilitate students' repayment and avoid passive breach of contract, it is very important for students to log in to the student online service system in time to update their mobile phone numbers. At the same time, students are also requested to regularly maintain their other information changes and cherish their personal credit records.
5. Online consultation and complaints can be made in the online service system of college student loans, but this function is not supported by the online service system of student-origin student loans for the time being.
How to apply for a reliable student loan? What platforms are there?
In fact, many people are familiar with the mention of student loans. In the process of going to school, if the family has some financial problems, they can apply for a student loan from the school and repay it after graduation. You know, in China, a college student won't miss college because of financial problems, so when he has the ability to make money after graduation, he can repay the loan, which not only makes it very convenient for many families, but also makes many students afford to go to school.
How to apply for a student loan
College students can apply for this part of student loans from their own schools and local education departments during their school days. For example, in the process of starting school, the school will have a special department to handle student loans. Of course, in addition to providing your own corresponding information, you are also required to provide proof of origin so that you can apply for a student loan at school. For many universities, student loans are applied at the beginning of each year to pay part of the tuition fees.
What platforms can I apply for?
As a college student, it can be said that you don't need to apply through any platform, you can apply to your own school or to the local education department. The approval of this part of student loans is not only very fast, but you can successfully apply for student loans for these poor students as long as you have the proof of origin of local students. Therefore, applying for and handling student loans through your own school is not only the simplest and most direct way, but also the safest way.
Let every student go to school.
Student loan exists to make every student can afford to go to school. Therefore, in the process of handling student loans, it is very different from our handling loans in society. It is simpler and more convenient to apply for student loans through schools, and relevant procedures can be handled by schools. What students need to do is to submit applications and certificates, including filling in some personal information. Many students will apply for this kind of student loan when they are in college. When they find a job after graduation and have the corresponding ability to make money, they will return the student loan.
You know, after handling the student loan, it is not only convenient for the students themselves, but also for their families, and it also relieves the pressure from the economic aspect. It can be said that the existence of student loans is very reliable and humanized, and it is entirely for the sake of students, but it will not form the habit of students being lazy.
Student-origin student loan system login official website entrance:/
Student-origin student loan system login official website entrance:
Zhong Zelong, a student from Gongzhuling City, Jilin Province, came to the student loan center of the local education bureau with his mother early in the morning. After providing several materials and signing them, he quickly got a loan acceptance certificate of 8,000 yuan. "Fortunately, with a student loan, I can go to college with peace of mind, and I will continue to apply for a student loan to complete my studies next year." Zhong Zelong was admitted to Wuhan University with excellent results this year, but the moment he received the notice was mixed. Because his father was sickly, the financial difficulties at home once made him feel great pressure.
Student loans are credit loans, unsecured and unsecured, including tuition and accommodation. Financial institutions such as the China Development Bank (hereinafter referred to as CDB) issue them to eligible college students with financial difficulties. Students' loan interest is fully subsidized by the finance during their school days, and the students and their parents bear the repayment responsibility after graduation. Over the years, student loans have helped countless students with financial difficulties realize their college dreams.
It is reported that since July this year 1, the acceptance of CDB student loans has been fully launched, about half a month earlier than in previous years. It is estimated that the annual student loan will exceed 25 billion yuan and help more than 3.5 million students with financial difficulties. By then, the cumulative issuance of CDB student loans will exceed 654.38+06 billion yuan, and more than 26 million students with financial difficulties will be subsidized.
In Jilin Province, CDB student loan has become one of the most powerful policies to benefit the people. Up to now, CDB Jilin Branch has issued a total of 900 million yuan of student loans and 65.438+0.22 billion yuan of student loans, covering all 654.38+00 cities (states) and 60 counties (districts) in the province, solving the urgent need for 65.438+0.85 million students to go to school due to family difficulties, which is vividly called "popular project" by the masses.
Electronic acceptance makes student loans more convenient.
In order to better serve students from poor families and improve the efficiency of loan processing, CDB continued to expand the coverage of student loans this year, insisting on not limiting the size and number of students, making preparations for accepting student loans in advance, including comprehensively improving the support performance of IT systems, simplifying the loan contract text, optimizing the processing flow, etc., and fully implementing electronic student loan documents nationwide, with the number of students being 20 1065438+.
Now CDB has set up student loans in front of students' homes, trying to make up for the gap in uncovered areas. For areas with deep poverty and inconvenient transportation such as mountainous areas and pastoral areas, CDB has also set up loan handling points in townships and high schools, and * * * will set up 1.329 loan handling points in 270 counties (districts), an increase of1.329 in 23 counties (districts) and 602 handling points year-on-year, providing "one-stop" for students.
In Gongzhuling City and Antu County, Jilin Province, before the college entrance examination every year, the local education department will issue a letter from the National Student Financial Assistance Management Center to high school graduates to the graduating students, and broadcast a propaganda film on student loans, focusing on the policy of student loans and university financial assistance. In particular, a "point-to-point, face-to-face" publicity method was adopted for the poor students who set up their cards to ensure that students from poor families realize their college dreams. In recent years, the local government has continuously optimized the electronic processing flow of student loans to provide convenience for students.
This year, a loan acceptance window and a loan review window were set up in the student loan acceptance hall of Gongzhuling City, and an electronic signature signboard was set up to prompt the way of electronic signature. There are also special instructors and volunteers to help loan students and their parents complete the operation of loan registration and application to ensure efficient and fast loan processing.
Director Shan of Gongzhuling Student Financial Assistance Center introduced that the work of student-origin student loans in this city began on July 23, and now 288 contracts have been accepted, with loan application funds of 2.36 million yuan. It is estimated that the peak of acceptance this year will be after August 13, with an average of 80 cases accepted every day, and the total number of people accepted exceeds 1500, and the loans issued reach 128.
Antu County, located in Yanbian Korean Autonomous Prefecture in the east of Jilin Province, is a national ecological demonstration area and a national key county for poverty alleviation and development. Since 20 10, Antu county has started the work of student-origin loan. Up to now, 1778 student loans have been issued, with accumulated funds exceeding12.07 million yuan.
Wang Dali is a college student in Antu County. His mother works outside and his father works at home. However, due to the drought, family income is meager. Wang Dali was admitted to Northeast Li Dian University this year, but how to finish his studies is the biggest problem before him. Through the student loan policy, he applied for a student loan of 8,000 yuan, which can solve the tuition and accommodation expenses for the first year of college. In order not to increase the family's financial burden, Wang Dali worked in a restaurant in the local county this summer, and achieved self-reliance through practical actions. Through two months' part-time income and a government reward of 8,000 yuan, he can solve the living expenses for one year without spending a penny at home.
It is understood that in recent years, the development of student-origin student loans in Jilin Province has achieved the goal of "paying off all loans", which has really brought hope and protection for students with financial difficulties to continue their studies and achieved the goal of "not letting a student drop out of school because of family financial difficulties".
Promote honesty education and improve social credit environment.
In order to make the student loan develop continuously and healthily, there must be a good repayment rate to ensure a virtuous circle of loan funds. It is understood that with the increase in the number and amount of loans year by year, the cumulative repayment rate of student loans in Jilin Province has remained high. CDB Branch cooperates with local education departments and universities, builds a credit framework and a credit network based on the credit platform, educates borrowers in good faith, accepts social supervision, promotes the construction of personal credit system and improves the social credit environment.
It is understood that in view of the changing characteristics of students' credit and information in three stages: before entering school, after entering school and after employment, CDB Jilin Branch has established a three-stage credit linkage operation mode, including the borrower mechanism of students and parents, the information sharing mechanism of funding centers, universities and employment units, and the restraint and incentive mechanism of funding centers, so as to connect parents of students, universities and employment units into a risk prevention chain and strive to create risks and risks. At the same time, CDB Jilin Branch, Jilin Provincial Department of Education and universities * * * promote the credit construction of student loan business, carry out credit publicity, highlight students' financial common sense and ethics education, and prevent credit risks.
For example, in Antu County, Jilin Province, the local education department will pay close attention to the repayment of students with student loans, answer the repayment inquiries of students and parents, remind and educate loans overdue students in time, and visit the families of students in loans overdue to understand the situation and publicize the repayment.
In addition, the CDB student loan system is also connected with the personal credit information system of the People's Bank of China to form personal credit files and enhance students' self-discipline. Promote the improvement of the credit consciousness of the whole society with the credit construction of college students, and finally form a good social credit environment.
CDB not only continues to do a good job in the examination and approval of student loans and students' honesty education, but also helps college students with financial difficulties solve the employment problem. Since 20 12, CDB Jilin Branch and the Provincial Department of Education have held a special job fair for college graduates with student loans for six consecutive years. * * * More than 30,000 students attended the job fair, and more than half of them reached the signing intention. Finally, nearly 10,000 students signed labor contracts.
It is understood that CDB Jilin Branch is the first financial institution in the system to hold a special job fair for students with student loans. Through the job fair, the financial service of student loans can be extended to students' employment, providing students with employment platforms and carrying out integrity publicity and education, enhancing the repayment ability of loan students and achieving good social benefits.
What if the tuition is not enough? What platforms can I borrow?
In the stage of compulsory education in China, there are only primary schools and junior high schools. In the compulsory education stage, because the state bears the tuition fee of a department, students only need to spend one or two hundred yuan to go to school. However, in the non-compulsory education stages such as high schools and universities, the state no longer helps individuals pay tuition fees. At this time, individuals need to pay a lot of tuition fees. High school needs about one or two thousand yuan, and universities need five or six thousand yuan. In fact, this money is also a great burden for students from poor families. Some students who really have no money simply can't make up enough tuition. In order to go to school, they want to borrow money. What about tuition? What platforms can I borrow? The following is my opinion:
First, if the tuition is not enough, you can borrow it from your relatives and friends.
For many students with insufficient tuition fees, it may mean that they can't go to school from now on. Therefore, many students who don't have enough tuition fees will try to borrow money from relatives and friends to help them pay their tuition fees first. After I graduate from work, I will pay back the borrowed money slowly. In fact, it is a feasible way to borrow some tuition from your relatives and friends.
Two, you can also use the National Development Bank student loans.
If you can't borrow money from relatives and friends, you can also choose to borrow money from China Development Bank. The student loan of China Development Bank is a special loan service for students from poor families. The student loan borrowed by China Development Bank during my study period is interest-free. And the money can be paid back slowly after the students graduate.
Third, I hope every student can go to school.
For many people who are interested in learning, going to school is the most important thing. I hope every student who wants to go to school can learn and realize his dream.
What should I do about the tuition? What platforms can I borrow? This is my opinion. What's your opinion? Welcome to leave a message!
What are the platforms for subsidizing college students and one-on-one subsidizing college students? Which is more reliable?
If you want to subsidize college students one-on-one, you can choose to set up a card account according to the country, or you can choose to go to platforms such as scholarships, inspirational scholarships and public welfare loans. These platforms are all platforms for subsidizing college students and national certification, and there will be no false phenomena. You can also choose to add the WeChat of poor college students afterwards, and then learn about the family situation of this poor college student to avoid being deceived.
First, a platform for subsidizing college students.
The state has set up a file to set up a card, grants for poor families and temporary subsidies for difficulties can all help students. There are many students whose family situation is difficult and they can't study. It is very likely that there will be various problems in the learning process, which will lead to their inability to continue their studies. If everyone can help these college students at this time, then Bian Xiao himself feels that it is a very happy thing, and it can also make these college students feel more at ease and study at school.
Second, how hard are poor college students?
Some poor college students are still worried about their future tuition and living expenses during class. What should they do? There are also some poor college students who work while studying, making themselves very tired every day, hoping to give themselves a better way out through study. But perhaps because of family reasons, there is no way to solve these problems. Everyone can choose to apply for student loans, so our tuition and usual living expenses can also be solved by loans, and we can choose to repay these loans after graduation, but this may make us feel more stressed after graduation.
Third, summarize.
At present, the number of applications for student loans in China has increased a lot, also because the current price is relatively high. Now there are college students, who usually take some certificates and so on, and also need to spend money. In order to make everyone feel more at ease in school, the country has also made great efforts.