1. Apply for a loan. Eligible students log on to the "Student Online Service System", find the "Loan Application Form", click "Add", fill in the information, and then export and print the "Student Loan Application Form of China Development Bank";

2. Qualification examination;

3. Sign a loan contract. After the seal, the student and * * * together with the borrower go through the loan formalities at the county-level rescue center.

There are four main forms of student loans: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to issue interest-free loans to students; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan.

Public full-time colleges and universities should actively implement the national student loan policy and cooperate with students from poor families in colleges and universities to handle national student loans. In addition, some private colleges and universities have launched national student loans, and students should pay attention to the relevant statements in the school enrollment brochure or admission notice.

Generally speaking, students from poor families 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.

What materials do I need to provide to apply for a national student loan?

1, national student loan application;

2. Copy of my student ID card and resident ID card (minors must provide valid identification of legal guardians and written consent to apply for loans);

3. I explain the family's financial difficulties;

4. Proof of family financial difficulties issued by the relevant department where the student's family is located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them.

Borrowing students should confirm the repayment plan of the student loan with the bank when going through the graduation formalities. After graduation 1 year, you can apply to the bank to adjust the repayment plan. There are many ways to repay the principal and interest of student loans, which can be repaid in advance at one time or multiple times. If college students choose to repay the loan in advance, the handling bank will not charge any other fees except the interest payable. The specific operation method is as follows:

Log in to the homepage of CDB student loan information network, and then enter the loan information page through the student login name and password (the default login name for online loan repayment in 2006-2008 school year is school code+student ID number, and the password is 8 birthday; The login name and password of online loan repayment in 2009 and beyond are the login name and password when students apply for loans);

Click "prepayment application" on the left to enter the prepayment application summary information page;

Click the "Add" button at the bottom left of the prepayment application summary information page to open the prepayment addition page;

Select a loan contract record and click OK to save the prepayment application information.

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