First of all, answer directly.

Students with student loans can renew their loans if they continue to study for a postgraduate or second bachelor's degree after graduation from university, and then they don't need to repay them temporarily during their school days. After graduation, repayment can be started at 65438 on February 20th of that year.

Second, the specific analysis

After that, the annual repayment date is 65438+February 20th, and the money needs to be returned to the special Alipay account for student loans before 15. The system will automatically deduct money on the 20th (the last year is September 20th).

It should be noted that the repayment period after graduation is correspondingly shortened because of graduate students and second bachelor's degrees.

Of course, if you have a stable income, you don't need to borrow money to pay tuition, accommodation and other expenses during your study. Borrowing students can also give up renewing their loans and repay them directly.

Because the student loan has a grace period of five years, only the interest of the first five years needs to be repaid, and there is no need to repay the principal. Pay the principal and interest after five years.

There are many online loan big data systems that can provide online loan records, which can be found: Xiaoqi New Tea. You can query important data information such as online loan application record, application platform type, overdue, overdue amount, credit card and online loan credit estimated amount.

3. When will the college loan be interest-free after graduation?

When I was in college, I applied for a student loan and waited until I graduated.

There is a grace period for repayment after graduation. During the grace period, you only need to pay the principal, not the interest.

As for the specific period of the grace period for repaying the principal, the Ministry of Education, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission mentioned in the Notice on Adjusting and Perfecting the Relevant Policies of the National Student Loan in July 2020 that the grace period for repaying the principal was extended from 3 years to 5 years.

In other words, after graduation, students do not need to pay interest for repayment within five years, but only need to repay the principal; Wait until five years after graduation, and then repay the principal and interest of the loan annually.

As for the interest of students during their school days, they will be fully subsidized by the finance.

As for the interest rate of student loans, starting from June 65438+1 October1in 2020, the interest rate of newly signed student loans will be reduced by 30 basis points according to the LPR list price of the same grade in the same period (one basis point is equal to 0.0 1%).

The loan period of student-origin student loan is academic system plus 15 years, and the longest is no more than 22 years.

Undergraduate students applied for student loans. Can I apply for a loan for further study after the postgraduate entrance examination in World War II?

Because there is no mandatory requirement for postgraduate study, undergraduate students are required to study in the same year after graduation, so there will be cases where undergraduate students will take the postgraduate entrance examination several years after graduation. This situation is actually quite common. First of all, you must not apply for the extension of the national student loan. Because you have left school after graduation, whether you are working or studying at home, you need to start paying interest in the year of graduation.

As for whether you can apply for a new national student loan, the specific situation is subject to the dual regulations of the school and the bank. If you meet the requirements for re-applying for national student aid, you can apply for a national student loan after completing the postgraduate examination. If the application is not supported, please repay the principal and interest on time during the postgraduate study.

Generally speaking, there is a situation that you can apply for a national student loan after the postgraduate entrance examination on 20 18, that is, you can apply for a national student loan immediately after graduation, and you have not applied for a national student loan during your undergraduate course. For other information, please refer to the national student loan application policies of schools and banks.

Study for a master's degree immediately after graduation;

1, the school allows graduate students to apply for national student loans.

With the permission of the school, students can apply for the extension of the national student loan or apply for the national student loan during their postgraduate period. The reason for applying for extension is that the student loan has entered the repayment period after graduation. After the extension, the national student loans applied for by graduate students and undergraduate students still enjoy financial discount service without paying interest and principal.

At the same time, you can also apply for new national student loans during the school season and postgraduate period. As before, you can only apply once per academic year, and the loan amount should not exceed 12000 yuan in principle.

2, the school does not allow graduate students to apply for national student loans.

Some schools stipulate that students who have applied for national student loans during their undergraduate years and have not paid them off cannot continue to apply for national student loans for graduate students. In this case, we can only simply apply for extending the national student loan. After the extension is successful, the interest to be paid after graduation will be postponed until after graduation.

After undergraduate students apply for national student loans, can graduate students continue to borrow?

After undergraduates apply for national student loans, graduate students can continue to borrow.

Taking into account the adjustment of tuition fees for college students and comprehensive fees for graduate students, the national student loan subsidy standard is adjusted from the current full-time college students not exceeding 6,000 yuan per year to the full-time college students not exceeding 8,000 yuan per year and the full-time graduate students not exceeding12,000 yuan per year. If the sum of annual tuition and accommodation fees is lower than the maximum amount, the loan amount can be determined according to the sum of tuition and accommodation fees.

Extended data:

application for insurance

1, national student loan application.

2. Copy of my student ID card and resident ID card (minors must provide valid identification of legal guardians and written consent to apply for loans).

I explained the financial difficulties of my family.

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.