The process of handling student loans:

The loan acceptance department applies for a loan;

Prepare materials. Prepare relevant materials to register with the student financial assistance management department of the local education bureau, and receive the Application Form for Student Credit Loan of China Development Bank (hereinafter referred to as the Application Form). The borrower needs to complete the application form and seal it completely;

Review the materials. When the borrower and * * * go to the student financial assistance management department of the county (city, district) Education Bureau where the form is registered, they need to provide two identification materials (including the borrower and * * * together with the borrower's ID card and photocopy, student ID card or admission notice, household registration book), and provide the application form and postal savings account number, which will be reviewed by the staff of the student financial assistance management department of the County Education Bureau;

Sign the contract. The borrower and * * * sign the Loan Contract for Student Credit Loan of China Development Bank with the borrower himself, sign the loan contract and authorize the Postal Savings Bank to deduct the loan principal and interest from the above account;

Return the contract receipt. After the loan contract is signed, students can report to colleges and universities with the contract. From 20 1 1, students only need to go to the financial aid center of colleges and universities to handle the electronic receipt, instead of mailing the paper receipt. Within 30 days after registration, if the student financial assistance management department of the Education Bureau does not receive the receipt (no later than 65438+1October 30), it will be deemed that the student has cancelled the loan application;

Loan issuance and payment. According to the contract, the Postal Savings Bank will issue loans on the date agreed in the contract and wire the loan funds to the designated account of the borrowing student's university;

Repay the loan. After the borrower graduates, the students and the borrower are responsible for timely and fully depositing the funds into the personal account according to the loan contract.

Second, when does the school student loan usually come down?

1, student source loan

If a student applies for a student-origin student loan, under normal circumstances, the amount of the student-origin student loan will be paid to the student's account around 1 1. However, the policies in each region are different, and the time for the final loan to arrive is also different. However, even if it is later, 1 1 will basically be issued before the end of June.

2. College student loans

If a student applies for a student loan, in general, it will be issued before the end of June+February 5438 at the latest. Because the student loan for college students can only be applied after the students start school, and the latest time for some schools is 65438+February, so the lending time of student loan for college students will depend on the time for students to apply for loans.

About student loans are:

Relevant provisions on student loans:

1 The interest generated by students' loans during their school days is paid by the state, and students don't need to take care of it, even if they graduate, they don't need to pay back the money.

If a student fails to pay off the principal after graduation, the interest generated shall be paid by the student himself, and the interest generated after September 1 of the graduation year shall also be paid by the student.

3 The repayment date is 65438+February 20th every year. As long as the repayment money is deposited into Alipay account, the system will automatically deduct it twice a day.

4 If the designated Alipay account is only repayment, real-name authentication is not required; The money inside needs real-name authentication to get to the bank card.

3. When will the student loan be issued?

Generally, the application time for national student loans is from September to 10 every year, and the application for national student loans is successful.

1, national student aid this academic year

About165438+1mid-October, the loan amount for this school year has arrived. The progress of the process is as follows: September 65438+ 10 -20 working days for schools and banks to approve loans-165438+ 10.

2, the next school year, the national student loan payment time.

There is no need to submit a loan application again for the loan amount of each academic year, but after the start of school, the relevant state departments will evaluate the students' achievements.

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When did the student loan arrive?

202 1- 10-30 1 1

Lend money about 20 working days after signing the contract, and the time is about165438+1mid-October; If you apply for a student loan every academic year and put it into the Alipay account of the loan student, you don't need to reapply in the second year, and the review is much simpler. You mainly pay attention to the school performance and test scores of the loan student, and you will receive the loan amount in the middle of the month.

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1 student loan application

1. First, submit the application materials. After understanding the relevant policies, you need to prepare the corresponding loan application materials according to the regulations, mainly including ID cards, household registration books, application forms and materials prepared by the family to submit to the school.

2. The school conducts a preliminary examination. The school financial aid center receives the materials provided by students for preliminary examination to see whether the students meet the application conditions.

After the bank, the school will transfer the relevant information to the loan.

4. Sign a loan contract. The bank signs a loan contract with the applicant, stipulating the repayment method and time limit.

After the bank subscribes, the bank will issue the loan to the applicant as scheduled according to the contract.

6. Repay the loan in time after graduation. Applicants need to repay their loans according to their own obligations after completing their studies. After paying off the loan, the loan contract is automatically terminated.

2 student loan application model essay

_ _ _ _ _ _ Sub-branch:

I am _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ When I was a child, my four children studied together. My parents worked hard at night, but they had to borrow tuition from their relatives. It was really difficult at that time, and the elder sister learned to go home to help; My second sister and I graduated from high school together, but our family really couldn't afford our study, so I gave it to me and went home by myself.

My family only has about 1.5 mu of paddy fields, and all the rice harvested every year can barely provide for family use. My family's economic source depends on that little star anise and cassava. Therefore, in addition to paying off debts, the annual income of the whole family is only about 2000 yuan. So tuition has been bothering us. , go to college.

In order to finish my studies and hope to get your's help, I will try my best to realize my dream. Thank you!