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 colleges and universities in China and increase the financial aid for students from poor families in colleges and universities under the conditions of socialist market economy. The national student loan is a bank loan led by the government, with financial subsidies and certain risk compensation from the finance and universities. It is jointly operated by banks, education administrative departments and universities to help students with financial difficulties 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.

amount of loan

The maximum loan amount per undergraduate per academic year does not exceed 8000 yuan. Full-time graduate students each apply for a loan amount of no more than 12000 yuan per year.

Application method:

Generally speaking, students from poor families need to apply for national student loans from local banks through schools. In principle, students apply once, and the bank will issue national student loans in stages during their school days.

Application conditions:

The supporting object of student-origin student loan must meet the following conditions:

1. has People's Republic of China (PRC) nationality;

2. Honest and trustworthy, law-abiding;

3. Freshmen or college students who have been formally admitted to full-time ordinary colleges and universities, higher vocational schools and institutions of higher learning approved to set up and implement higher education according to relevant state regulations, and have obtained a true, legal and effective admission notice;

4. Students' pre-school household registration and their parents' (or other legal guardians') household registration are in this city, county (city, district);

The family is in financial difficulties, and the income they can get is not enough to pay for the basic expenses needed to complete their studies when they were students.

Application materials:

Application for national student loan;

1. Copy of my student ID card and resident ID card (minors must provide valid identity certificate of legal guardian and written consent to apply for a loan);

3. My explanation of the family's financial difficulties;

4. Proof of family financial difficulties issued by the relevant department where the student's family is located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them.

Approval:

The relevant departments of the school are responsible for the qualification examination of the national student loan application submitted by students and checking the authenticity and completeness of the materials submitted by students; The bank is responsible for the final examination and approval of student loan applications.

Repayment method

(1) Pay off in one lump sum or in installments before students graduate;

(2) After graduation, students can watch their own movable property funds to repay their loans;

(3) After the probation period expires, graduates will be deducted from their wages every month within two to five years;

(four) the graduate unit decided to reduce the loan repayment according to their work performance;

5] For students who have borrowed money, if they are expelled from the school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, the parents of the students should be responsible for returning all the loans.

Repayment operation:

Borrowing students should confirm the repayment plan of student loans with the bank when going through graduation procedures. After graduation 1 year, you can apply to the bank to adjust the repayment plan. There are many ways to repay the principal and interest of student loans, which can be repaid in advance at one time or multiple times. If college students choose to repay the loan in advance, the handling bank shall not charge any other fees except the interest payable. The specific operation method is as follows:

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

(2) Click "prepayment application" on the left to enter the prepayment application summary information page;

(3) Click the "Add" button at the lower left of the prepayment application summary information page to open the prepayment adding page;

(4) Select a loan contract record and click OK to save the prepayment application information.

(5) When logging in, if "There is something wrong with the security certificate of this website" appears on the webpage, please click "Continue to browse this website (not recommended)" in the penultimate line below to continue logging in.