The national student loan in 2023 has been accepted recently.
In Chunhua County, Shaanxi Province, on the first day when the national student loan began to be accepted, Li Zhe and his mother came to the county student aid center. After showing the admission notice and relevant certificates of colleges and universities, they successfully applied for a student loan of 8,000 yuan.
Li Zhe, a student in Chunhua County: The tuition fee is 5,000 yuan, and the remaining 3,000 yuan is used for my personal life. After the loan, I feel less pressure and can go to school with peace of mind.
Wang Heng, Deputy Director of the Student Financial Assistance Management Center of Chunhua County: We have conducted a key survey on some poor households, low-income households, disabled orphans and other special hardship groups. After the notice comes out, we will conduct home visits in batches according to the admission situation to ensure that the student aid policy is well-known and makes the best use of it.
The National Development Bank said that there is no upper limit on the total number and scale of loans for applying for national student loans, and it will fully meet the loan needs of every student with financial difficulties. It is estimated that nearly 40 billion yuan of student loans will be issued this year, benefiting 4.5 million students from poor families.
Yang Hongmei, Second Division of Student Loan Management, inclusive finance Department of China Development Bank: If it is the first time, he needs to go to the student aid center in the county with the borrower. If students renew their loans, they can apply online at home.
It is understood that China Development Bank is the main undertaking bank of national student loans. In addition to the development bank, it will also accept the national student loans undertaken by some provincial and municipal rural credit cooperatives in the near future. This year, the national student loan undertaken by China Bank was handled online for the first time. Students can apply at home, and the loan can be completed after the school confirms it.
This year, many national policies have eased the repayment pressure of student loans.
Students who apply for national student loans do not have any repayment burden during their school days. But after graduation, the principal and interest need to be borne by individuals. In order to reduce the burden of these newly graduated college students, the state has also introduced a policy of interest-free and deferred repayment of principal this year.
According to the notice of the Ministry of Finance and other four departments, the loan students who graduated in 2023 and previous years are exempted from the interest of the national student loan in 2023, and the interest exempted is borne by the finance. Loan students who graduated in 2023 or before may, upon their own application, be postponed for one year to repay the principal of the national student loan due in 2023. There is no penalty interest or compound interest on deferred loans, and the risk classification will not be lowered temporarily.
Yang Hongmei, Second Division of Student Loan Management, inclusive finance Department, China Development Bank: The interest that should be exempted this year can be enjoyed automatically by our bank without students' application. Repaying the principal requires students to apply independently. July 16 is ok, or online.
Yang Hongmei said that if you need to apply for deferred repayment of the principal of the student loan, you can apply online now. However, she particularly reminded that if you apply for an extension of repayment of the principal this year, you need to repay the principal of the student loan for two years in one lump sum next year, including the extension this year and the normal repayment next year.
It is understood that the student loan undertaking banks, including Bank of China, have successively opened application channels for deferred repayment of loan principal, and all the interest on this year's student loan collected before the issuance of the notice has been returned to the students.
Related question and answer: I didn't apply for a student loan in the first year. Can I continue to apply in the second year? Of course. The declaration procedure is as follows:
The borrower shall apply for a loan to the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where his domicile is located (hereinafter referred to as the "County Financial Assistance Center"), fill in the loan application form and provide the following materials:
1. The borrower and the original and photocopy of the borrower's household registration book;
2. The original and photocopy of the borrower and the borrower's identity card (or valid identity certificate);
3. Student identification. Freshmen with university admission notice and its copy; Students should show their student ID card and the proof of the borrower's source of life issued by the borrower's university.