How to apply for early repayment of student loans

How to apply for early repayment of student loans? In order to help students with financial difficulties, the state issued student loans. After graduation, students can apply for deferred repayment in order to alleviate the employment pressure, but some people will choose to repay in advance. How to apply for early repayment of the following shared student loans?

How to apply for early repayment of student loans 1 To apply for early repayment of student loans, you need to submit the application before 10 every month. The specific application process is as follows:

1, and log in to "China Development Bank Student Loan Information Network";

2. Click to enter "Student Online Service System (Student Source)";

3. Find and click "Prepayment Application" in the page;

4. Select "Add" to enter;

5. Select the contract requiring prepayment, improve the form according to the prompts, and submit the prepayment application online;

6. Before the repayment date (15), deposit the loan into the designated repayment account for deduction, or directly repay the loan manually.

When will the graduate student loan be repaid in 2022?

1. Repay the interest on time within the grace period. According to the regulations, loan graduates should bear the loan interest from September 1 day of the graduation year, and repay the interest of the first year before February 20 of that year, and repay the interest on time before February 20 of that year. For example, if you are admitted to graduate school that year, you need to submit an extension to the county-level financial aid center before August 1, change the school information, and apply for financial subsidy interest during the period of continuing your degree. Otherwise, the discount will not continue.

2. Repay the principal and interest on time after the grace period. Repay the principal in the same amount for the first time before February 20, 65438 five years after graduation, and repay the principal on time before February 20, 65438 every year thereafter, and pay it off before September 20 of the last year of the loan term. See the loan contract for the specific time.

Matters needing attention in repaying student loans

After 1 and 1 1 every year, the principal and interest to be repaid is the loan principal and interest that should be repaid normally in the current year. Please deposit the principal and interest in full into the Alipay account specified in the contract before February 20th of the year 65438+. If the funds are not deposited in time and in full, the overdue loan can be repaid before the 20th of each month of the following year, but the penalty interest on the overdue principal must be paid.

2. The annual interest settlement time is 1 1 month. If repayment is not accepted, Alipay cannot deduct the money.

3. If prepayment is required (prepayment of contract loans), please submit an application for prepayment in the student loan information system of China Development Bank (the application for prepayment should be submitted within 1- 10 days/-12 days).

4. After the loan application is accepted, the Alipay account number will be automatically generated when the contract information is entered and printed on the contract, so that students can know their Alipay account number on the contract. (After 20 10, the Alipay account system generated by applying for a loan randomly generates an 8-digit alphanumeric combination, which is printed on the loan acceptance voucher as Alipay login password, Alipay payment password and bound Sina mailbox login password. Please modify it in time after logging in).

5. Students who have not adopted Alipay repayment method should change to Alipay repayment as soon as possible.

How to apply for early repayment of student loans II. Interest-free and principal deferred repayment scope

(1) Interest-free range

According to the requirements of the Notice, the development bank will exempt the national student loan interest that should be repaid in 2022 from the borrowing students who graduated in 2022 or before.

(B) the scope of deferred repayment of principal

For the principal of the national student loan that should be repaid by the borrowing students who graduated in 2022 or before, the repayment can be postponed 1 year upon the independent application of the borrowing students.

Second, the handling process

(1) interest-free process

Borrowing students do not need to apply for interest-free national student loans in their own names within the interest-free scope of the Notice, and the Development Bank will automatically waive the relevant interest in accordance with the relevant provisions of the Notice. Borrowing students can apply for the Loan Contract of Student Credit Loan of China Development Bank or the Loan Contract of Student Loan of China Development Bank.

(hereinafter collectively referred to as the "loan contract"), log in to the student online system of China Development Bank (hereinafter referred to as the "student online system") within five natural days before the repayment date in 2022 (inclusive) to inquire about the corresponding interest-free situation.

(II) Application process for deferred repayment of principal

If the borrower needs to postpone the repayment of the principal of the national student loan under his name in the second paragraph of Article 1 of this announcement, please log in to the online student aid system before the repayment date of 2022 (excluding) agreed in the loan contract and apply for the postponement of repayment of the principal, and complete the relevant operations according to the system prompts.

If the borrower applies for deferment of repayment of the principal of several national student loans under his name, it shall apply for deferment of repayment of the principal of each national student loan through the student online system no later than the earliest repayment date in 2022 (hereinafter referred to as the "original repayment date"). Borrowing students who successfully apply for the extension of principal cannot cancel the extension application, but can apply for early repayment during the extension period.

The repayment of the principal is postponed for one year, and the deferred repayment date (hereinafter referred to as "deferred repayment date") is the same day of the same month in 2023 (that is, the same day of the same month after the original repayment date is postponed for one year). The interest calculation and repayment of deferred principal shall be carried out in accordance with the relevant provisions of the state and the loan contract. There is no default interest or compound interest on deferred loans, and the interest within the notice scope is exempted, and the excess is borne by the borrowing students themselves.

If the borrower fails to submit an application for deferred repayment of the principal according to the above requirements, or the application is unsuccessful because the application does not conform to the relevant national policies, it can continue to enjoy the interest-free policy in 2022 according to the requirements of the Notice, but the remaining repayment should still be repaid according to the loan contract.

If the borrower successfully applies for deferred repayment of the principal, the principal and interest of the national student loan that should be repaid in 2023 (inclusive) and the following years still need to be repaid in accordance with the loan contract. If the deferred repayment date is later than the principal repayment date of the last year within the loan period agreed in the corresponding loan contract (the "contract maturity date") due to the successful application for deferred repayment of the principal, the contract maturity date will be automatically postponed to the deferred repayment date, and the principal and interest payable on the original contract maturity date will be repaid on the deferred repayment date, and the corresponding new interest will also be repaid by the borrowing students on the deferred repayment date.

Third, warm tips

Borrowing students should note that the interest on the deferred principal is still calculated and collected normally according to the loan contract, and it will be repaid together with the deferred repayment date (except for the interest-free part required by the notice), and no interest will be generated. Please decide whether to apply for deferred repayment of principal after comprehensive consideration.

The development bank will not attach unreasonable conditions, request transfer and remittance or ask for personal information on the grounds of interest avoidance and repayment delay. If you receive such emails, phone calls or text messages, please don't be credulous to avoid losses.

How to apply for early repayment of student loans? 3. Do I have to pay back the principal in the first year of graduation?

Student loans may or may not be repaid in the first year after graduation. The grace period for repayment of the principal of the student loan is 5 years, which means that the student can pay it off within 5 years after graduation. But student loans need to pay interest in the first year of graduation. The interest generated on September 1 day of graduation year shall be paid by the students themselves, and the interest settlement date of the loan shall be 65438+February 20th every year.

Students will deposit the repayable loan interest into the Alipay account registered when applying for a loan, and the system will automatically deduct it on the repayment date. From the third year after graduation, the borrower began to repay the principal and loan interest in the same way, and the interest was paid off with the principal for the last time.

Student loans can be repaid on schedule or in advance. If the borrower needs to repay the loan in advance, he can apply from June 1 to June1(except June 1 1), and the repayment date is the 20th of the current month, without the approval of China Development Bank.

Can I apply for student loan renewal offline?

# Student Loan # Loan renewal can be applied offline, and the borrower does not need to fill in the identification form for students with financial difficulties when renewing the loan. The borrower or any party associated with the borrower can go to the county-level financial aid center to renew the loan, but the borrower needs to log in to the student online system at least twice a year to maintain personal information.

Most students apply for extension of student loans online. Borrowing students log on to the online student system to fill in the renewal statement, which should be objective, true and positive. Before accepting the application for loan renewal, the county-level fund center shall confirm that the loan renewal statement has been approved.

Why can't I print the student loan receipt?

When the student loan receipt cannot be printed, you can consult the handling personnel or the relevant teachers of the students. Many people can't find the entrance to print, but there may be other problems. For example, the student loan is a freshman. You applied for a loan at the Education Bureau and then got the contract and receipt. It seems that you can't download it online. If you renew your loan and apply for a remote loan, click Download first, and then print.

Second, how to apply for early repayment of student loans?

1. First, we open ie browser, which must be ie browser. We can find the Windows attachment option in many options in the start menu. Open the Windows attachment option, and we can find ie browser in it.

2. We enter the URL:/in the address bar of ie browser, and then click Enter to enter this webpage. At this time, you will be prompted that this website is not safe. Click on the details option in the webpage, and he will pop up an option to go to this webpage (not recommended). We click on him to enter the above website.

3. Then we entered the student loan information system of China Development Bank. We chose a student loan or a university loan according to our own situation, and then filled in our ID number and login password below. The login password is the password set when applying for a student loan.

4. After logging in, we select the prepayment application option, and then click Enter. In the prepayment application page, we find the new option and click it to enter the new prepayment page.

5. Select the amount we want to repay. The default value is all contract amounts. We can check the box above the prepayment principal, and then change the prepayment principal amount to make partial repayment. After the change, we click Next.

6. Then we carefully check the repayment information and click Submit after confirmation. At this time, a window will pop up to confirm the prepayment application information. We click OK, and then he will remind you that the new prepayment is successful, and then we can transfer the money to our repayment account and wait for the system to automatically deduct the money.

Third, the steps of early repayment of student loans

Early repayment

(1) Time for submitting prepayment application: June to July every year. You can apply for prepayment before 10, and the interest will be calculated until the 20th of that month. Applications made after the current month (except July) 10 will be regarded as applications for early repayment next month, and the interest will be calculated until the 20th of next month.

(2) Deposit time of prepaid funds:

1. If the repayment is made with the Agricultural Bank of China card, and after 10 last month, an application for prepayment shall be submitted before 10 that month (the repayment account number is Agricultural Bank of China card or Alipay students can access the student online system), and it shall be deposited into the designated Agricultural Bank of China card before 15 that month. If the repayment is made with the Agricultural Bank card, and the application for prepayment is submitted after 10 in the current month and before 10 in the following month, it shall be deposited into the designated Agricultural Bank card before 15 in the following month.

2. Repayment with Alipay, and after last month 10, and before the current month 10 (repayment account is Agricultural Bank of China card or Alipay students can access the student online system), should be deposited into the designated Alipay account before the 20th of the current month. If the payment is made by Alipay, and the application for prepayment is submitted after 10 of the current month and before 10 of the next month, it shall be deposited into the designated Alipay account before the 20th of the next month.