Student loan repayment time varies from place to place, and the specific provisions shall be subject to the contract.

The repayment time is generally the 1st of the month following graduation (or graduation), and you will begin to bear the student loan interest. Starting from the fourth year of graduation (or graduation) (the year of graduation is the first year), repayment of principal and interest begins. The principal repayment date is the same as the interest repayment date.

Generally speaking, students from poor families need to apply for national student loans from local banks through the schools they attend. In principle, students apply once and banks issue national student loans in installments while they are in school.

What materials are needed to apply for a national student loan?

⒈ National student loan application form;

⒉ Copies of my student ID card and resident ID card ( Minors must provide valid identification of the legal guardian and proof of written consent to apply for a loan);

⒊ My explanation of the family’s financial difficulties;

⒋ Issued by the relevant department where the student’s family is located Proof of family financial difficulties. Students themselves bear legal responsibility for the authenticity of the materials they provide.

Review and Approval: The relevant departments of the school are responsible for reviewing the qualifications of national student loan applications submitted by students and verifying the authenticity and completeness of the materials submitted by students; the bank is responsible for the final review and approval of students' loan applications.

Collapse repayment method

⑴ Before students graduate, repay the loan in one lump sum or in installments;

⑵ After students graduate, they can use their available funds to repay the loan ;

⑶After the graduates’ internship period expires, their units will deduct monthly from their wages within two to five years;

⑷The units where the graduates work can be considered as Based on their work performance, it is decided to exempt or exempt the advanced loan;

⑸ For students who have taken out loans and are expelled from school, ordered to drop out of school, or students voluntarily drop out of school due to violation of national laws and school disciplines, the parents of the students should Responsible for repaying all loans.

Students who borrow money should confirm their student loan repayment plan with their bank when going through graduation procedures. Within one year after graduation, you can submit an application to the bank to adjust the repayment plan. Student loan principal and interest repayments can be taken in a variety of ways, and the loan can be paid off in advance one time or multiple times. If a college student chooses to repay the loan early, the handling bank shall not charge any additional fees other than the interest payable. The specific operation method is as follows:

(1) Log in to the homepage of the China Development Bank Student Loan Information Network, and then enter the loan information page through the student login name and password (the default login for online application for early loan repayment for the 2006-2008 academic year) The name is the school code + student ID number, and the password is the 8-digit birthday; the login name and password for online application for early loan repayment for the 2009 school year and beyond are the login name and password used by students when applying for loans);

(2 ) Use the mouse to click "Early Repayment Application" on the left to enter the early repayment application summary information page;

(3) Click the "New" button at the bottom left of the early repayment application summary information page to open New page for early repayment;

(4) Select one of the loan contract records and click the "OK" button to save the early repayment application information.

(5) When logging in, if "There is a problem with this website's security certificate" appears on the web page, please click the second-to-last line below "Continue browsing this website (not recommended)" to continue logging in.