Student loans are generally repaid in the first year after graduation. According to the student loan policy, the interest settlement date of the loan is 65438+February 20th every year.
Borrowing students should deposit the repayable loan interest into the Alipay account registered when applying for the loan within two years after graduation before 65438+February 65438+May each year. From the third year after graduation, the borrower began to repay the principal and loan interest in the same way, and the interest was paid off with the principal for the last time.
Borrowing students who want to repay in advance can apply from June 5438+0 to June 5438+00 every month (except June 1 1 day), and the repayment date is the 20th of the month, without the approval of China Development Bank.
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I want to ask when the student loan will be repaid.
1. Student-origin student loans are divided into three repayment methods: normal repayment, early repayment and overdue repayment. Different repayment methods have different repayment dates.
2. Normal repayment
3. At present, the fixed repayment date of student-origin student loan is 65438+February 20th every year. Generally speaking, it is enough to ensure that there is enough balance in the repayment account on the day of 65438+February 20, and the system will automatically deduct the money.
4. Advance payment
5. If prepayment or partial prepayment is required, the 20th of each month (except 165438+ 10) is the repayment date. However, you need to apply for repayment on 1- 10 of each month (except 1 1 month).
6. Overdue repayment
7 students studying in loans overdue can repay their loans on the 20th of each month. When repaying, in addition to the normal loan principal and interest, the corresponding penalty interest should also be returned.
For more information about when to repay student loans, please visit: See More.
When was the student loan paid back?
Repayment in installments began after graduation.
In principle, the term of student-origin credit student loans shall be determined according to the full-time undergraduate academic system plus 10 years, and the longest term shall not exceed 14 years. For those who have studied for more than 4 years or continue to study for a postgraduate degree or a second bachelor's degree, the repayment period after graduation will be shortened accordingly.
The two-year grace period is for students at school and after graduation. After the grace period is over, students and their parents (or other legal guardians) will repay the loan principal and interest in installments according to the loan contract.
Extended data
The new national student financial aid policy system has been implemented for more than ten years. Talking about the "initial intention" of implementing this policy, Ma Jianbin said that "not letting a student drop out of school because of family financial difficulties" and promoting educational equity and social equity are not only the solemn commitments made by the party and the government to the society, but also the "initial intention" of all students to help workers.
The report of the 19th National Congress put forward "the strategy of strengthening the country through education" and "the strategy of strengthening the country through talents".
"The proportion of students from poor families in China is around 20%, which is higher in the west and lower in the east. It is necessary to help the children of these poor families receive higher education, improve their scientific and cultural quality, master a skill, improve their self-development ability, and achieve stable poverty alleviation and high-quality poverty alleviation. " Ma Jianbin said.
"At present, the proportion of students from poor families in China is relatively high. It is necessary to solve the possible dropout and dropout problems of these students through bursaries, and improve the enrollment rate and consolidation rate. " Ma Jianbin believes that doing a good job in student financial assistance is also an important foundation for accelerating the modernization of education.