Basic overview:

National student loans are the Party Central Committee and the State Council, under the conditions of the socialist market economy, using financial means to improve the policy system for funding ordinary colleges and universities in my country and increase the funding for ordinary colleges and universities. A major measure taken to provide financial aid to students from poor families. National student loans are government-led, fiscal interest subsidies, finance and university authorities jointly provide banks with certain risk compensation, and banks, education administrative departments and university authorities jointly operate bank loans to specifically help 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 on time and bear relevant legal responsibilities. Borrowing students apply for loans from banks through their schools, which are used to make up for various expenses while in school, and are repaid in installments after graduation.

Loan amount

The maximum loan amount for each student per academic year for undergraduate students shall not exceed 8,000 yuan. The loan amount applied for by each full-time graduate student per year shall not exceed 12,000 yuan

Application method:

Generally speaking, students from poor families need to apply for national student aid from the local bank through the school they attend. loan. In principle, students apply once and banks issue national student loans in installments while they are in school.

Application conditions:

Student loan support recipients must meet the following conditions:

1. Have the nationality of the People’s Republic of China;

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2. Be honest and trustworthy, abide by disciplines and laws;

3. Full-time general colleges and universities, higher vocational schools and colleges that have been approved to establish and implement higher education in accordance with relevant national regulations Freshmen or current college students who have been officially admitted by the school and have obtained a true, legal and valid admission notice;

4. The student’s household registration before admission and the household registration of his parents (or other legal guardians) are all in this city, County (city, district);

5. The family has financial difficulties and the income they can obtain is not enough to cover the basic expenses required to complete their studies at school.

Application materials:

⒈ National student loan application form;

⒉ Copies of my student ID card and resident ID card (minors must provide legal guardian Valid proof of identity and written consent to apply for a loan);

⒊ My own explanation of the family’s financial difficulties;

⒋ Proof of family financial difficulties issued by the relevant department where the student’s family is located. Students themselves bear legal responsibility for the authenticity of the materials they provide.

Review and Approval:

The relevant departments of the school are responsible for reviewing the qualifications of national student loan applications submitted by students and verifying the authenticity and completeness of materials submitted by students; the bank is responsible for final approval Student loan application.

Repayment method

⑴ Before students graduate, repay the loan in one lump sum or in installments;

⑵ After students graduate, they can use their available funds to repay the loan;

⑶ After the internship period of graduates expires, their units will deduct monthly repayments from their wages within two to five years; Based on work performance, it is decided to exempt or exempt the advanced loan;

⑸ For students who have taken out loans and are expelled from school, ordered to drop out of school, or students voluntarily drop out of school due to violation of national laws and school disciplines, the parents of the students shall be responsible Repay the entire loan.

Repayment operation:

Borrowing students should confirm the student loan repayment plan with the bank when going through graduation procedures. Within one year after graduation, you can submit an application to the bank to adjust the repayment plan. Student loan principal and interest repayments can be taken in a variety of ways, and the loan can be paid off in advance one time or multiple times. If a college student chooses to repay the loan early, the handling bank shall not charge any additional fees other than the interest payable.

The specific operation method is as follows:

(1) Log in to the homepage of the CDB Student Loan Information Network, and then enter the loan information page through the student login name and password

(2) Click on the left side with the mouse "Early repayment application" to enter the early repayment application summary information page;

(3) Click the "Add" button at the bottom left of the early repayment application summary information page to open the early repayment application summary information page page;

(4) Select one of the loan contract records and click the "OK" button to save the early repayment application information.

(5) When logging in, if "There is a problem with the security certificate of this website" appears on the web page, please click "Continue browsing this website (not recommended)" on the second to last line below to continue logging in.