According to the relevant regulations, the student loan that college students can apply for is the number of years of study at school plus 15 years, with a maximum of 22 years. Full-time college students (including second-degree students, higher vocational students and preparatory students) can apply for the national student loan at a maximum of 8,000 yuan per academic year in principle, and full-time graduate students can apply for the loan at a maximum of12,000 yuan per year. The specific loan amount of each student is determined according to the sum of tuition and accommodation. The longest period is no more than 22 years, and the latest regulations on students' origin loans: the loan period is academic system plus 15 years, and the longest period is no more than 22 years. The grace period is 5 years. The policy will be implemented in 2020. For the new contract in 2020, the grace period for repaying the principal is 5 years. Stock contracts before 2020, student loan contracts that have not started to repay the principal (that is, loans that students have not graduated or have graduated but have not started to repay the principal) can be applied by borrowing students, and the grace period can be extended to 5 years within the loan period agreed in the original contract.

Attention!

Student loans don't need to be paid off immediately after graduation. Everyone needs to pay attention to:

1. The term of the student loan is the academic system plus 15 years, and the longest is no more than 22 years, as long as it is paid off within the prescribed time limit.

2. The first repayment date is 65438+ February 20th of the year in which the borrower graduated, and then the student can repay the loan every year according to the stipulated repayment date (September 20th in the last year). The first five years are still a grace period to repay the principal, during which only interest can be repaid, and the principal and interest will be repaid after five years.

3. If the borrower chooses to pursue a higher degree (graduate degree or second bachelor's degree) after graduation, the loan can be renewed, but when the graduate/second bachelor's degree graduates, the repayment period will be shortened accordingly.

If the borrowing students have sufficient funds, they can choose to pay off in advance, and they can apply every June1-June 10. If the student loan can be made after graduation, and the interest will be borne by the borrowing students themselves from September, then if it can be paid off in advance before the interest begins to accrue in September of the graduation year, there is no need to repay the interest, only the loan principal is needed.