1. What is the age limit for student loan guardians? Need to be 30-60 years old. When college students apply for student loans, the requirements for borrowers are as follows: 1, aged between 30 and 60; 2. Have full capacity for civil conduct; 3. The household registration is in the county; 4.* * * Identification sequence with the borrower: parents, grandparents or brothers and sisters, other relatives or legal guardians; 5. Students whose household registration is not in the county before enrollment, but whose parents are registered in the county, cannot be admitted; 6. Students whose household registration is in the county before enrollment, but whose parents' household registration is not in the county, cannot be admitted. Second, what are the forms of student loans? 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. 3. What materials should I 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. 4. What if the student loan is hopeless? I applied for a student loan when I was in college, and now I have graduated from work. I need a loan to buy a house and do a credit card, only to find that I have bad credit. Due to negligence, many students who have applied for student loans have left bad credit records. What should I do if I encounter such a problem? Many students' overdue interest payments are caused by their ignorance of the policy. The term of the student loan is 10 year, and the interest rate is based on the benchmark interest rate. Students' interest during school is fully subsidized by the state, and they must pay their own interest after graduation. Considering that some students may not be able to find jobs in time after leaving school, the state has also set a grace period of two years after graduation. During the grace period, students only need to pay interest without repaying the principal. However, due to the lack of understanding of the policy, many students think that the grace period means no repayment and no interest. As a result, there have been some cases of overdue repayment. If it is maliciously overdue, you can explain to the bank and cancel your bad credit record. Don't be discouraged if there is indeed negative information in the credit report. This information will be deleted from the credit report after a certain number of years, and as long as individuals are honest and trustworthy in future credit activities, with the passage of time, new good records will gradually refresh and replace the old negative records. These college students who apply for student loans must not only meet the legal age conditions of guardians, but also have certain requirements for household registration. Students whose household registration is not in the county before enrollment, or whose parents' household registration does not meet the requirements, cannot apply for student loans. There are still some differences among local governments on the details of the student loan policy for college students. You can check with the education department first.