Student loans are generally applied in June-August, and then closed at the end of September (the specific deadline may vary from place to place and universities, depending on local universities).

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.

Job requirements:

All regions should continue to vigorously promote the work of national student loans to meet the loan needs of college students and graduate students. The financial department should fully arrange and timely allocate the national student loan discount and risk compensation funds. The handling bank shall, according to the loan demand, fully arrange and timely issue the national student loan credit funds.

Colleges and universities should bear 50% of the risk compensation for national student loans in accordance with the requirements of the Notice of the General Office of the State Council on Forwarding Several Opinions of the Ministry of Education, the Ministry of Finance and the Banking Regulatory Commission of the People's Bank of China on Further Improving the Work of National Student Loans (Guo Ban Fa [2004] No.51), and cooperate with the handling bank to verify the tuition and accommodation standards for students applying for loans.

Refer to the above content: Baidu Encyclopedia-Student Loan

When will the student loan of 2.202 1 be repaid?

1. The repayment time of student-origin student loan is 1, according to student-origin student loan 65438+February 20th. 2. Within two years after graduation, the borrower has to deposit 12 interest every year to apply for a loan. From the third year after graduation, the borrower began to repay the principal and loan interest in the same way, and the interest was paid off with the principal for the last time. 3. Borrowing students who want to repay in advance can apply during the period from 1 to1every month (except 1 1), and the repayment date is the 20th of the current month, without the approval of China Development Bank. Reminder: The interest of student-origin student loans is subject to the benchmark loan interest rate issued by the central bank at the same period. Failure to repay the loan in time before September 20 of the last year of the loan term will be regarded as loans overdue, and default interest will be generated, with the default interest rate of 130% of the current interest rate. Second, the student source credit student loan amount The loan amount does not exceed 6000 yuan per person per academic year, which is an integer between 1000-6000. In principle, it is used for students' tuition and accommodation during school. College students who obtained national student loans in colleges and universities in that year may not apply for student-origin credit student loans at the same time. 3. In principle, the credit line of students' origin is determined according to the remaining years of the full-time undergraduate education system (maximum plus 10 years), and the loan principal will be repaid in installments according to the loan contract after two years of graduation from the normal education system. During the period of school and two years after graduation, students will be granted a grace period, and their legal guardians will repay the loan principal and interest in installments according to the loan contract. The academic system is more than 4 years, and the period of continuing to study for a higher degree (including the debt service period after graduation and the second bachelor's degree period).

3. When should I apply for the national student loan?

I am also a student loan, and the school can only determine the list of loan students after the school starts and the students report. After the start of school, there will be staff to handle these tasks on the day when students report for duty. When the list of students who need loans is confirmed, there will be special brothers and sisters to help us. So don't worry about this.

4.202 1 When will the student loan start in the second half of the year?

The application time for student loans is generally September-65438+February, that is, after the start of school.