Second, the national student loan: a bank loan led by the government and subsidized by the government, which is jointly applied with the school to help students from high-efficiency poor families.
Third, commercial student loans: commercial student loans are more loans for non-compulsory education, even including loans for studying abroad. The loan amount is strictly limited and can only be used for tuition and fees, living expenses and other expenses.
1. The national student-origin student loan refers to the student loan issued by the National Development Bank to eligible freshmen and students with financial difficulties, and handled by the county (city, district) where the students registered before entering school. The loan funds are mainly used for students to pay tuition and accommodation fees during their school days. Student-origin credit student loan is an important part of college student loan. At present, most provinces and cities in China have opened the policy of student-origin loan, with the maximum loan amount of 8,000 yuan per year. The loan application bank is official website, China Development Bank. Please directly consult the Student Financial Assistance Management Center of the local education department for specific loan matters.
2. The national student loan is the largest loan in the national student aid system. The national student loan is a bank loan led by the government, subsidized by the government, and operated by banks, education administrative departments and universities to help poor students in colleges and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Students from poor families in all provinces need to apply for national student loans from local banks through their schools. In principle, students apply once during their school days, and the bank issues national student loans by stages. Generally, loans are provided by China Development Bank, China Bank and China Agricultural Bank.
3. Some colleges and universities provide students with interest-free loans by using national finance. This is only a subsidy policy implemented by some colleges and universities. After poor students are admitted to colleges and universities, they can contact colleges and universities by phone to see if there are any relevant policies. This is mainly a project carried out by universities and cooperative banks, and the admitted universities should be consulted specifically.
4. General commercial student loans are mainly supported by commercial banks and rural credit cooperatives. , by the students with family poverty certificate and admission notice to apply independently. The government has issued a policy of subsidizing poor students, which has alleviated the expenses of poor college students during their school days to some extent. It is worth mentioning that you can't apply for the national student-origin loan and the student-origin loan at the same time, you can only choose one of them, which students should pay attention to.