1. Students receive the Application and Approval Form for National Student Loan and other materials, fill them out truthfully and completely, and prepare relevant supporting materials to return to the national student loan agency of the school.

2. Schools and institutions conduct preliminary loan examination, organize students to apply for loans within the annual loan amount and control ratio issued by the National Student Loan Management Center, and accept student loan applications.

3 handling bank loan approval, the handling bank shall complete the review within 20 working days after receiving the "Information Form" and application materials submitted by the school.

4. Sign a loan contract with students. After the loan application is approved, the school will organize students to fill in, sign loan contracts and IOUs within 10 working days according to the loan student roster provided by the handling bank, and submit them to the handling bank.

5. Loan issuance: the handling bank will uniformly transfer the first-year tuition, accommodation and living expenses loans into the designated account opened by the school in the handling bank within 20 working days after signing the loan contract and iou with the borrowing students.

6. Repayment.