Legal Analysis: Students apply to their school institutions within the specified time, get the National Student Loan Application Approval Form and other materials, fill them out truthfully and completely, prepare relevant supporting materials, and return them to the school's national student loan agency (hereinafter referred to as "school institutions"). The materials to be submitted include: (1) approval form for national student loan application; (2) A copy of my student ID card and resident ID card (minors must provide valid identity certificates of legal guardians and written opinions on agreeing to apply for loans); (3) my explanation of the family's financial difficulties; (4) the identification of family financial difficulties by the civil affairs departments of townships, towns and streets and the education administrative departments at the county level; (5) Other supporting documents and materials required by the bank or school.

Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.