Student-origin student loan (full name of student-origin credit student loan): refers to the student loan issued by financial institutions such as China Development Bank to eligible freshmen in colleges and universities and students with financial difficulties (hereinafter referred to as students). Students and their parents (or other legal guardians) apply to the county (urban area) student financial aid management center or financial institution where the students attend to help the students with financial difficulties pay the tuition and accommodation fees required during their study at school. Student-origin credit loan is a credit loan, which does not need guarantee and mortgage. The students and their parents (or other legal guardians) are co-borrower, who are jointly responsible for repayment. Application conditions: The applicant of the Student Source Credit Student Loan of China Development Bank (hereinafter referred to as Student Source Loan) is a poor family student whose household registration is in the provinces and cities where the Student Source Loan has been opened. Students and one of their parents (legal guardian) form a student loan co-borrower. (1) The object of student-origin student loan support must meet the following conditions: (1) Having People's Republic of China (PRC) nationality; Honest and trustworthy, law-abiding; According to the relevant provisions of the state, freshmen or college students who have been approved to set up full-time ordinary colleges, higher vocational schools and colleges to implement higher education are officially admitted, and have obtained a true, legal and effective admission notice; Students' pre-school household registration and their parents' (or other legal guardians') household registration are in this city, county (city, district); The family is in financial difficulties, and the income they can get is not enough to cover the basic expenses needed to complete their studies during school. Note: The survey of students from poor families in the 20th12nd senior high school graduating class was completed by local education authorities before the end of May this year. Freshmen applying for this year's student source credit loan and old students studying in colleges and universities in the province have been included in the list. For details, please consult the Student Financial Assistance Management Section of the Education Bureau of your county (city, district). (2) co-borrower co-borrower is mainly the parents (or legal guardians) of the borrowing students. If the borrower is an orphan and cannot appoint a guardian, it can be a natural person, including a close relative, who voluntarily shares the repayment responsibility with the borrower, has full capacity for civil conduct, is under 60 years of age, has no bad credit record and has a local household registration.

National student loan process

The process of student loan is:

Step one:

Students should prepare their ID card, household registration book, admission notice or student ID card, and proof of family financial difficulties issued by the relevant departments where their families are located, and submit a loan application (student-origin loan) to the Student Financial Assistance Management Center of the Education Bureau of the county, city and district where their household registration is located, or submit a loan application (national student loan) to the bank through the school, fill in the loan application form and submit materials.

Step two:

Student-origin student loan is the application materials submitted by students, which are reviewed by the aid center where the students are registered. After the examination and approval, guide students to sign loan contracts and open personal accounts in the handling bank. At the same time, a receipt of the loan contract will be issued and handed over to the school by the students. The school will go through the relevant formalities as required, and then send the receipt back to the financial aid center where the student is registered. The local financial aid center collates the information and submits it to the provincial student financial aid management center, which submits it to the handling bank for final approval.

The national student loan means that the student financial aid department of the school is responsible for the qualification examination of the student's loan application, checking the authenticity and completeness of the information provided by the students, and submitting it to the handling bank for final approval after confirming that the information is true and correct.

What is a student loan?

The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy. Legal responsibility: Borrowing students apply for loans from the bank through the school to make up for the lack of tuition, accommodation and living expenses during their studies at school, and repay them in installments after graduation. The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy. Legal responsibility: Borrowing students apply for loans from the bank through the school to make up for the lack of tuition, accommodation and living expenses during their studies at school, and repay them in installments after graduation. The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy. Legal responsibility: Borrowing students apply for loans from the bank through the school to make up for the lack of tuition, accommodation and living expenses during their studies at school, and repay them in installments after graduation.