The national student loan in colleges and universities is a bank loan led by the government, with financial subsidies and certain risk compensation from the finance and universities. It is jointly operated by banks, education administrative departments and colleges and universities to help students from poor families in colleges and universities pay the tuition, accommodation and living expenses they need during their study.
The national student loan is a credit loan. Students do not need to apply for loan guarantee or mortgage, but they need to promise to repay the loan on time and bear relevant legal responsibilities. After students report to the school, they can apply for national student loans from financial institutions through the school.
Students applying for national student loans need to prepare the following materials in advance:
① A copy of the borrower's ID card, student ID card or admission notice;
(2) The original questionnaire on family economic status (personal retention page);
(3) Minors applying for loans must provide the written consent of the legal guardian;
(4) A copy of the parents' household registration book (card);
⑤ Copy of parents' ID card;
⑥ Application for national student loan written and signed by the students themselves.
The national student loan procedures of colleges and universities can also be applied to the student financial assistance center after admission. Graduates who have worked in grass-roots units in the central and western regions and hard and remote areas for more than 3 years (including 3 years) or joined the army for compulsory military service shall be compensated by the state for the tuition fees paid during their school days.
If you get a national student loan (including a national student loan for colleges and universities and a student-origin credit student loan) during your study at school, the compensated tuition fee will be used to repay the principal of the national student loan and the interest generated before it is fully repaid. The maximum amount of tuition compensation loan compensation is 6000 yuan/school year.