If students have already gone through the loan formalities in the county-level financial aid center, they can go to the university financial aid center and ask the teacher not to apply for a student loan. As long as the school does not enter the receipt, the bank will not lend money and the loan will be cancelled.
If the loan has already been made, the borrower can repay the loan principal in the first year, and the loan renewal formalities will not be handled in the second year. Because the student loan is issued once a year, and students must go through the formalities of renewing the loan.
Student-origin student loans generally refer to national student loans, which are bank loans led by the government, subsidized by the government, jointly compensated by finance and universities, and jointly 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 must promise to repay on time, repay in installments after graduation, and bear relevant legal responsibilities.
Loan form
There are four main forms of 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.
Commercial credit loan
(a), apply for student credit student loans should have the conditions
1. The lender has full capacity for civil conduct, is honest and trustworthy, and abides by laws and regulations.
2. Freshmen or students who have been officially admitted to full-time ordinary undergraduate colleges, higher vocational schools and junior colleges (including private colleges and independent colleges, the list is subject to the announcement of the Ministry of Education) and have obtained a true, legal and effective admission notice.
3. The borrower, * * and the borrower's pre-school household registration and their parents (or other legal guardians) household registration are all in the county (city, district).
4, family economic difficulties, in line with one of the following characteristics, and provide corresponding proof materials:
(1) Rural poor households and urban low-income households (proof materials: urban and rural low-income passbook or poverty proof materials issued by township civil affairs offices and neighborhood committees).
(2) Orphans and disabled families (certification materials: orphan certificate, disability certificate or certificate of township civil affairs office and neighborhood committee).
(3) Suffering from natural and man-made disasters, resulting in heavy losses, unable to afford the students' fees (certification materials: certificates from township civil affairs offices and neighborhood committees).
(4) Family members suffering from serious diseases (proof material: diagnosis certificate of hospitals at or above the county level).
(5) The creator of the family's main income loses the ability to work for some reason (proof material: certificate from the township civil affairs office and neighborhood committee).
(6) Single-parent families with no stable income (certification materials: certificates from township civil affairs offices and neighborhood committees).
(7) Families with unemployed parents or one of them (certification materials: certificates from township civil affairs offices and neighborhood committees).
(8) The total cash income of the family in the previous year was less than 8,000 yuan (proof material: certificate from the township civil affairs office and neighborhood committee).