Student loans illuminate the path for poor students to study?

2018 Postgraduate Entrance Examination Exchange Group 586254585

Students taking the Postgraduate Entrance Examination should be more concerned about postgraduate tuition fees, scholarships, and bursaries. The editor of Liekao Postgraduate Entrance Examination has compiled "Student Loans" Information related to "Illuminating the Study Path for Poor Students" is provided for candidates' reference. I hope it can help everyone.

Q&A about national student loans

––What conditions should borrowers who apply for national student loans meet?

Students applying for national student loans should be full-time undergraduates (including higher vocational students), graduate students and second bachelor's degree students in colleges and universities whose families have financial difficulties. At the same time, they should have: (1) Have the nationality of the People's Republic of China and hold a resident ID card of the People's Republic of China; (2) Have full capacity for civil conduct (minors applying for national student loans must be Written consent of his legal guardian); (3) Be honest and trustworthy, abide by the law, and have no illegal or disciplinary violations; (4) Able to complete his studies normally; (5) The funds that can be raised due to family financial difficulties are insufficient to pay for his studies at school Basic expenses for study and living during the period (including tuition fees, accommodation fees, and basic living expenses).

––What materials do students need to provide when applying for a loan?

Students applying for national student loans need to provide: (1) National student loan application form; (2) Copies of their student ID card and resident ID card/household registration book (minors must provide a legal guardian Valid identity certificate and written statement agreeing to apply for a loan); (3) "Higher Education Students and Family Situation Questionnaire" verified and determined by the township or street civil affairs department.

––What is the loan amount that each student can apply for?

In principle, the student loan amount shall not exceed 6,000 yuan per person per academic year. The specific loan amount for each student shall be determined by the university based on the school's total loan amount for the academic year, based on the tuition, accommodation fees and living expenses standards and The degree of financial difficulty of the student's family is determined.

––What is the term of the national student loan?

The term of a national student loan is determined based on the circumstances of the student who borrowed the loan, and shall not exceed six years after graduation.

––What is the interest rate on state student loans?

National student loan interest rates are implemented in accordance with the loan benchmark interest rates announced by the People's Bank of China and relevant national interest rate policies. If the loan benchmark interest rate is adjusted, it will be implemented in accordance with the relevant regulations of the People's Bank of China.

––Can the national student loan be extended? Under what circumstances can I apply for extension?

National student loan borrowers can apply for loan extension. Specific conditions: (1) students who continue to pursue a degree in the year after graduation; (2) students who retain their academic status and join the military; (3) students who support the construction of the western region.

––How to repay national student loans?

During the period when a student borrowing a national student loan is studying in school, all the interest incurred on the national student loan will be subsidized by the national finance. Borrowing students should strictly fulfill their repayment obligations after graduation and repay the loan principal and interest on schedule. In order to alleviate the financial pressure of students who borrow money in the early stages of working, after graduation, students with national student loans are allowed to enjoy a loan grace period of up to 24 months based on their employment status and income level. During the grace period, they only need to repay the loan interest and can choose independently. The loan principal repayment period begins any month within 24 months after graduation.

National student loans have gone through three stages

1. Early stage (September 1999-August 2004)

National student loans in 1999 The policy is "Designate Banks, Determine Schools", that is, business cooperation between state-designated commercial banks and universities. The interest subsidy policy for the national student loan business is to adopt a 50% interest discount ratio, that is, the government subsidizes 50% of the interest for students borrowing national student loans, and the borrowing students pay 50% of the interest themselves. Borrowing students will start paying 50% of the interest from the date they obtain the loan, and the principal will be repaid in one go when the loan matures.

2. Steady development stage (August 2004-July 2010)

In August 2004, the state issued a new national student loan policy, which was determined through bidding. National student loan agency bank. The maximum term of a state student loan shall not exceed six years after the borrower has graduated, and the total term shall not exceed ten years.

The interest subsidy policy of the national student loan business is that the national finance will provide 100% interest subsidy while in school. Students who borrow the money will enter the repayment period after graduation. Interest will be paid starting from the next month after obtaining the graduation certificate. The principal repayment enjoys a 24-month grace period. Within the time limit, students can choose to start repaying the loan principal any month within 24 months after graduation (except for extensions, the loan principal must be repaid 24 months after graduation). The risk compensation is 50% borne by each university and the finance department, and is calculated based on the actual amount of national student loans issued by the bank and the risk compensation ratio determined by the bid.

Bank of China won the bid in the 2004 tender held by the Ministry of Education and became the only bank undertaking national student loans for colleges and universities affiliated to the central government. It signed a two-year multi-faceted bank-school cooperation agreement with the Ministry of Education. In 2006, Bank of China renewed its contract with the Ministry of Education and signed the above two agreements for a period of four years.

3. In-depth development stage of bank-school cooperation (July 2010-present)

In 2010, the National Student Financial Aid Management Center of the Ministry of Education reorganized the national student loan business undertaking bank Bidding. In this bidding, Bank of China once again won the bid for the right to undertake the national student loan business for universities under the central government (this round of national student loan policy combines the national student loan business cooperation agreement and the multi-faceted bank-school cooperation agreement into one). It also signed a four-year "National Student Loan Business Cooperation Agreement for Universities Affiliated to the Central Department for the Academic Year 2010-2014" with the Ministry of Education. (In order to realize the goal of using student loans as an opportunity to further promote bank-school cooperation, through active efforts, both parties have included the evaluation content of bank-school cooperation into the responsibilities of the new round of cooperation agreement.)

Part 1 Policies of various provinces and cities

Shandong Province has issued a number of postgraduate scholarship policies to establish academic scholarships

Tianjin has issued postgraduate national scholarship academic scholarship management measures

Jiangxi master's student funding standards Not less than 6,000 yuan per student per year

Hebei postgraduate national scholarship covers everyone and adds academic scholarships

Jiangsu Province increases the national student loan application limit to 12,000 yuan per year for graduate students

< p>Chongqing's new postgraduate funding policy 40% of master's students can receive 14,000 subsidies

Zhejiang Province has introduced graduate academic scholarships and graduate national bursary policies

Sichuan establishes graduate academic scholarships for master's degrees every year Award 8,000 yuan

In the first year of postgraduate education fees in 2014, Hubei announced scholarship and bursary policies

Anhui: Postgraduate scholarships were adjusted to national bursaries

Part 2 National Policies

National scholarships for graduate students, national student loans for graduate students

“Three Aids” for graduate students Position allowances

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