The whole application process is divided into six parts, taking a qualified student as an example:

Step 1: Students apply.

Students apply to their school institutions within the specified time, receive the "National Student Loan Application Approval Form" and other materials, fill them out truthfully and completely, and prepare relevant supporting materials to return to the school's national student loan agency.

Step 2: The school institution conducts the loan preliminary examination.

The school organizes students to apply for loans and accepts student loan applications within the annual loan amount and control ratio issued by the National Student Loan Management Center.

Step 3: The handling bank approves the loan.

The handling bank shall complete the audit within 20 working days after receiving the information form and application materials submitted by the school.

Step 4: Sign a loan contract with the students.

After the loan application is approved, the school will organize students to fill in and 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.

Step 5: Borrow.

The handling bank shall, within 20 working days after signing the loan contract and receipt with the borrowing students, uniformly transfer the first-year tuition, accommodation and living expenses loans into the designated account opened by the school in the handling bank.

Step 6: Repay the loan.

Students who borrow money should pay attention to their own credit and repay on time after completing their studies with student loans.

How to apply for a student loan

How to apply for a student loan? 1, apply for a student loan from the school; 2. Fill in the student loan application form; 3. Submit the application form and related materials to the school; 4. These materials will be transferred to the bank after being audited by the school; After the bank informs, the bank can sign a contract and get a student loan.

Poor college students who meet the relevant conditions can apply for student loans to provide their living expenses. There are still many poor students in our country. In order to let more students learn something and not give up their studies because they are poor, the state advocates student loans, which are usually paid back slowly after graduation. Of course, if it is overdue, they will also receive a letter of credit at the meeting. Next, I will tell you how to apply for a student loan.

1, national student loan application process

(1) Apply for a student loan from the school.

(2) Get the student loan application form and fill it out.

(3) Fill it out and submit it to the school, and attach relevant materials: student ID card, copy of ID card, description of family situation, proof of family difficulties, etc.

(4) Waiting for the approval of schools and banks. After the approval, you can sign a contract and apply for a student loan.

Model essay on poor college students applying for student loans

How to write an application for a student loan? The following is a sample essay on the application of student loan for poor college students compiled by me, for your reference only. I hope you like it! For more details, please click to view.

Model essay for poor college students to apply for student loans 1.

Dear leaders of xx Branch of Bank of China,

Hello, I am a student of xxX class in XX College, Han nationality, (ethnic group), * * * Communist Youth League member (political outlook), xxx (native place).

There are five people in my family, as follows:

Parents and farmers, working outside; My brother went to high school; There is also an 83-year-old grandmother at home who suffers from hyperosteogeny and can hardly take care of herself. My parents' monthly income in 900 yuan is the only source of income for our family, which supports our brothers' education expenses, and they are getting old, and various diseases follow one after another. I am sure that my family is in financial difficulties, and it is really difficult to pay high tuition fees and maintain normal studies, so I have to apply for a national student loan in my hometown.

Understanding of national student loans;

Student-origin loan is a bank loan led by the government, with financial subsidies, joint compensation from finance and universities, and operated by banks, education administrative departments and universities to help students with financial difficulties pay for tuition, accommodation and living expenses during their college studies. In principle, the maximum per person per academic year is no more than 6000 yuan.

The student loan received is a credit loan. Students do not need to apply for loan guarantee or mortgage, but they must promise to repay on time and bear relevant legal responsibilities. The student financial assistance department of the school is responsible for the qualification examination of the national student loan application submitted by the students, and checking the authenticity and completeness of the materials submitted by the students; The bank will finally approve the student's loan application.

The student loan is implemented in the form of one application, one credit and installment payment. Banks (or schools) will provide students with living expenses loans every month according to 10. The student loan interest rate shall be implemented in accordance with the interest rate announced by the People's Bank of China and the relevant national interest rate policies. The national student loan interest of the loan students during their school days is all subsidized by the finance, and the interest after graduation is paid in full by the loan students themselves.

According to the employment and income after graduation, students choose the time to start repaying the principal within 1-2 years after graduation, and pay off the loan principal and interest within 6 years.

If the borrower fails to repay the loan according to the time limit and amount stipulated in the repayment agreement signed with the handling bank, the handling bank will charge interest on the amount of repayment in default, and the lender who seriously breaches the contract will also bear relevant legal responsibilities.

I promise to study hard at school, improve my ability and knowledge, always think about the spur of student loans, strive to graduate with excellent results, get a satisfactory job, and guarantee to repay the principal and interest of student loans on time. No delay in repayment, no default.

If you don't voluntarily bear the relevant responsibilities according to the repayment!

Promise not to escape the loan.

I am here to convey

Salute!

Applicant: xxx

20xx year x month x day

Model essay on poor college students applying for student loans II

Leaders:

My name is XXX, and I am a student of XXX class in XXX College of XXX University. I was born in a peasant family in XX county, XX province. When I was admitted to the university, my mother worked hard to make us study with peace of mind. My father only supports the family's life with the meager income from farming, and the family situation is more difficult.

The Zhang family, who has been farming for generations, gave birth to a college student, which not only made the whole family proud, but also added great economic pressure to their parents. They really can't afford my tuition. Sadness diluted the joy, but the student loan made my college dream come true and gave my family new hope.

As a member of many poor students, the teacher applied for a national student loan for me after knowing my situation. Soon, I got a national student loan of *** 12000 yuan for two years.

On the day I got the loan, I cried with excitement. As the recipient and ultimate beneficiary of the national student loan, I deeply feel the concern, love and great help of the party and the state government for poor students. I would like to take this opportunity to express my heartfelt thanks to the care of the party and the government, the support of Gansu Construction Bank, the training of my alma mater, the support of leaders and teachers, and their meticulous help in life and spirit. Thank you very much I think we should repay the care of the party and the government with our own actions. We must study hard and become useful people to society.

In fact, I think the student loan gives me the feeling that it is not only financial aid, but also a belief and courage in life. I feel that loans are far less stressful than subsidies. If I accept subsidies from others for free, I will feel very guilty, or accept subsidies from others with guilt. Because I am a loan, I believe I have the ability to repay the loan. I'm doing my own thing with my own money.

I am very calm and free to face life. I never thought I was a poor student, and I couldn't afford the tuition. I just feel like I'm like everyone else. I am at school and living, and I am trying to find a direction for my future.

Therefore, I always feel that this lifestyle has relieved me of a lot of psychological pressure and made me feel no guilt, which is the motivation for me to continue my efforts.

In the future, I will study hard to master excellent skills, establish firm political beliefs, consciously accept the education of the party, walk in the forefront of my classmates, and shoulder the responsibility of being a college student.

In the past few years, I have never given up any opportunity to serve the students. With everyone's recommendation and recommendation, I became a student cadre, actively helping other students with difficulties, and laid a good foundation for myself to become a useful talent in society and repay the society in the future. I also gloriously joined the China * * * Production Party, and realized my dream of life.

I try my best to repay the society sincerely. I never think I have anything outstanding. I always regard the hardships of life as the driving force for progress, and take the care and love of the party, government and school teachers as the support of my struggle.

Although I have my own difficulties, I am grateful to others and try my best to repay the party and the government and the society. No matter what difficulties you encounter, you should establish an optimistic attitude towards life.

Now that I have graduated from college, I will work harder to master excellent skills in the situation that college students all over the country are generally facing employment difficulties.

From the education of college students, I understand the responsibility of returning to society. I used to want to be happy with my mother, but now I want to be the wealth of society. Although I don't know much about social work, I am confident that I can realize the value of life through my own efforts, fulfill my obligations and responsibilities as a party member, sublimate the care of the party and the country into motivation, actively participate in my future work, always motivate myself, be a down-to-earth person, do things seriously and build a harmonious society.

I am here to convey

Salute!

Applicant: xxx

20xx year x month x day

Model essay on poor college students applying for student loans 3

Dear bank and school leaders:

I'm xxX, and I'm a student of master class in xX College of xx University. I live in xxx, which is located in the remote western mountainous area. The local transportation is inconvenient and the economy is extremely underdeveloped.

In xx, X, when I received the college admission notice, it was really mixed feelings: I was glad that I could finally enter my dream university; What is worrying is where does the annual tuition fee of 3 100 yuan come from? My parents ran around with my admission notice, borrowing from the east and borrowing from the west, but when I applied for college in September, I still owed 600 yuan for tuition. It was the great alma mater who accepted me as a poor student with her tolerant mind.

In the next three years, I received a one-time tuition fee remission of 2,400 yuan, a Hunan provincial government scholarship of xx yuan and tuition fee remission 1550 yuan, a school scholarship of 500 yuan, a postgraduate entrance examination bonus of 1000 yuan, and an annual scholarship of 500 yuan in Teachers College, and I was paid through my usual social work. I not only successfully completed my undergraduate study, but also admitted to the prestigious master's degree of XX University.

However, nowadays, parents are not young, sick and their family situation has not improved. Facing the tuition fee of 8,000 yuan per year and the high living expenses in Guangzhou, the help of relatives and friends is simply a drop in the bucket! Besides finishing my studies and scientific research, I also take part in social work, and my part-time income is very limited.

But I still firmly chose the road of graduate school, because I know that any economic difficulties are temporary and can be overcome before learning to become a talent.

I'm not afraid of difficulties, and I'm not afraid of poverty, so I solemnly apply for a student loan from the school and the Bank of China, which has been supporting poor students to grow up.

During my undergraduate study, I was proactive, law-abiding, without any illegal behavior, with excellent academic performance, and won various awards many times, honest and trustworthy, without any bad behavior; As the president of the Student Union, I worked hard in social work and joined the glorious China * * * Production Party in XX.

I hope I can continue to make great achievements in the talent melting pot of xx University. Obtaining a student loan will enable me to devote more energy to my future study and scientific research, make achievements as soon as possible, become a talent as soon as possible, and contribute my talents and strength to the country and society as soon as possible.

After leaving school, I will repay the loan on time as agreed, and I will never break the contract, because I know there are many students in the same situation as me waiting for this loan to pay the tuition! Please trust me with the leaders of banks and schools. I take my personality as a guarantee!

I hereby apply and hope to be approved!

I am here to convey

Salute!

Applicant: xxx

20xx year x month x day

Model essay on poor college students applying for student loans 4

Dear college leaders and teachers,

I am xx of Class xx of the Department of Ecology of Environmental Science, an optimistic, cheerful, hardworking, simple, confident and sincere freshman.

Because I am unwilling to be mediocre, I don't want to inherit my parents' barren land, and I don't want the heavy expectations of my parents and relatives to become a fantastic "castle in the air"?

So, I walked out of the backward and remote xx and came to the green cradle for students to fly their dreams-XX Vocational and Technical College.

My hometown is a poor and remote mountain village in xx county. Up to now, there is no expressway, and the family life is already very poor. There is only 1.5 mu of dry land at home, and most of them can grow rice by precipitation. My parents are farmers and their annual income is below 2000 yuan.

When I started school in 20xx, with the help of many relatives and friends, I had the opportunity to come here to study with the meager salary accumulated by my parents, brothers and sisters and me. My parents, brothers and sisters who used to work hard for my tuition fees are still a drop in the bucket and have to borrow them again. Now my relatives and friends who are not rich have done their best.

At the beginning of school, when I saw my parents secretly sigh and cry for my tuition, when I saw my parents' increasingly rickety backs and found that their heads were covered with a hundred hairs a day, when I saw my brother's young forehead split by the sword of years and his delicate hands were badly ground by wood?

How I want to be self-reliant, so that my parents, brothers and sisters can stop worrying about my tuition and lighten their burden. I don't know how much I owe them. I only know that it is the best reward to study hard with my hands and build their happiness for the rest of their lives.

I am a child of a peasant family. I have been doing farm work since I was a child, and my dark skin is the best testimony that I am not afraid of hardship. From the day I was born, my family of five lived an inhuman life.

When I was poor in material life, I used to feel inferior and annoyed, afraid to walk straight and look at people. However, my parents never gave up on my careful training. The encouragement of my brothers and sisters made me know how to work hard and make a difference. At the same time, I also know that opportunities will not care for those who belittle themselves and indulge themselves. So I concluded later that I was "a beggar in material and a rich man in spirit".

But in order to let me continue to study hard and receive a good education, my brother and sister left school early and went out to work to earn my tuition. For me, they gave up the opportunity to continue their studies; For me, they would rather give me the best things and live a bitter life without regrets?

Now, my kind parents are 60 years old, my sister is married, and my brother can barely make a living while working. Facing this moment, as a college student, I deeply realize that I should bear a responsibility for my family. When I was a freshman, I worked three jobs at the same time with a meager salary, in exchange for a normal college life. Although the pressure of life overwhelmed me, I can't be disappointed, let alone desperate.

Because I believe: only desperate people have no desperate situation! In my young bones, I have engraved a clank oath-luxury has nothing to do with me, and learning and hard work are my only things.

I know that if I want to be a successful person, I must keep learning, constantly enrich and improve my inner cultivation and skills, and at the same time, I must not let my parents and relatives down, so that they can see hope and sunshine in me!

In the last two years of college, I don't want to lose the opportunity to study, and I don't want to give up halfway because I can't pay the full tuition. I hereby apply for a national student loan or grant.

In order to finish my studies and realize my college dream, I am eager to get your help. I will try my best to realize my dream and make my modest contribution to the modernization of the motherland!

I have good conduct, excellent grades, law-abiding, no illegal acts, honesty and trustworthiness, keeping promises and being practical.

I am honored to be a cadre in the department and college, and I have been working hard to do my duty as a student cadre. At the same time, I participated in the training of Communist Youth League cadres, organized many meaningful extracurricular social activities, and was deeply influenced by Marxism-Leninism Deng Xiaoping Theory and the spirit of the "Top Ten", so I could get student loans or grants and pay tuition fees. I will put more energy into my future study and life and work hard to finish my studies.

Win glory for friends, family, class and university. Through their own continuous efforts and methods of absorbing knowledge, lay a good foundation for the future and make a good reserve for future work.

After leaving school, I will definitely repay the loan on time as agreed, and there will never be any arrears, because I know that there are many college students like me waiting for money to pay tuition fees, and more parents are working hard for their children's tuition fees, and some even sell blood to make up the money.

Think about the loan with blood on your hands, think about the value of a person's commitment and credit. There is no reason for anyone not to regard this as more important than repaying the loan, so please lead you to believe in my personality, believe that I have the ability and confidence to repay, and thank you for your help!

I hereby apply and hope to be approved!

I am here to convey

Salute!

Applicant: xxx

20xx year x month x day

Model essay for poor college students to apply for student loans 5 pages

Dear college leaders and teachers,

I'm xx from Class Two, xx Department Store. My home is in xx province, which is remote and has inconvenient transportation. I live in an uphill hilly area with little arable land and underdeveloped animal husbandry. My family life is already very poor. When xx started school, with the help of many relatives and friends, I had the opportunity to go to school there. Unexpectedly, my mother was in a state of emergency, and my family was in a desperate situation again. In the next two years, my elderly father, for me,

Whenever I see my parents sigh and cry for my tuition at the beginning of school, and whenever I see my father's increasingly stooped back, I want to be able to stand on my own feet, so that my parents can worry about my tuition again and reduce their burden. I don't understand how much I owe them. I only understand that using my efforts to build their happiness for the rest of their lives is the best reward.

In the last two years of college, I didn't want to lose the opportunity to study, and I didn't want to give up halfway because I couldn't pay the tuition, so I applied for a student loan here.

I am good in conduct, excellent in grades, law-abiding, honest and trustworthy, and have passed CET-4.

As the director of our department at work, I have always been conscientious. I participated in the training of conscientious members of the Party, and I understood the profound influence of Marxism–Leninism and Deng Xiaoping Theory. It's great that I can get a loan to pay for my tuition. I will put more energy into my future study and life, strive to finish my studies, strive for excellent graduation, win glory for my class and college, and lay a solid foundation for the future through my continuous efforts and methods of absorbing knowledge, so as to make good reserves for my future work.

After leaving school, I must repay the loan on time as agreed, and there will never be any default, because I understand that there are many college students like me waiting for money to pay tuition fees, and more parents are working hard for their children's tuition fees, and some even sell blood to make up the money. Think about the loan with blood on your hands, think about the value of a person's commitment and credit. There is no reason for anyone not to regard this as something more important than repaying the loan. Please believe in my personality and my repayment potential and confidence.

I hereby apply and hope to be approved!

I am here to convey

Salute!

Applicant: xxx

20xx year x month x day

How to apply for a student loan

Student loans are generally applied to the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where the family is registered.

The process is as follows:

1. Bring my ID card, household registration book, college admission notice, and proof of family financial difficulties issued by the relevant departments where my family is located, and apply for a loan at the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where my family is registered. After receiving the application form and filling it out, submit the completed form together with the materials.

2. The local funding center will review the materials, sign a loan contract with the borrowing students after the approval, and then issue a contract receipt.

3. Borrowing students will give the contract receipt to the school when going through the admission formalities, and the school will enter the information, and then send the contract receipt back to the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where the student is located.

4. The local financial aid center shall compile a summary table and submit it to the provincial student financial aid management center, which will submit it to the handling bank for approval before issuing loans (generally, the funds will be transferred to the borrower's personal account first, and then transferred to the tuition account of the school where the borrower is located).