There are different types of student loans, not all of which can be applied at the place where they are registered, or at the school where they study.

Details are as follows:

Student loans are divided into national student loans and student-origin student loans. Among them, the national student loan is handled in the school. After the school and the four major banks where the school is located, namely, the industrial, agricultural, commercial and Chinese branches, sign the cooperation agreement between the bank and the school, and the students who need loans at school sign the agreement with the bank, usually 6,000 yuan per year until graduation, and sign contracts to grant credit in batches. The information needed is generally a family economic status appraisal form, ID card, parents' information, etc. Student-origin student loans are accepted by the district and county funding centers where college students are registered, and the National Development Bank loans.

The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy. The national student loan is a bank loan which is led by the government, subsidized by the finance, and compensated by the finance and universities at certain risks, and jointly operated by banks, education administrative departments and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Borrowing students apply for loans from the bank through the school to make up for the lack of expenses during their school days and repay them in installments after graduation. On August 8, 20 12, the new student loans of the development bank will exceed 1200 million yuan.

1, national student loan application process

(1) Apply for a student loan from the school.

(2) Get the student loan application form and fill it out.

(3) Fill it out and submit it to the school, and attach relevant materials: student ID card, copy of ID card, description of family situation, proof of family difficulties, etc.

(4) Waiting for the approval of schools and banks. After the approval, you can sign a contract and apply for a student loan.

2. Student loan process

(1) Apply for a loan from the Student Financial Assistance Management Center of the Education Bureau where the household registration is located.

(2) Fill in the loan application form and provide the following materials: the original and photocopy of the household registration book, the original and photocopy of the ID card, the certificate of student status, and the proof of the borrower's source of life issued by the school.

(3) After approval, you can sign a contract and get a loan.

3. Repayment method

(1) Students shall pay off in one lump sum or in installments before graduation;

(2) After graduation, students can look at their own movable funds to repay the loan;

(3) After the probation period expires, graduates will be deducted from their wages every month within two to five years;

(4) The unit where the graduates work decides to reduce the loan repayment according to their performance;

5] For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, the parents of the students are responsible for returning all the loans.

In general, it takes 10 working days (it takes a long time, about 10 working days, that is, two weeks, and it needs the approval and certification of the provincial department to reissue the card).

Legal basis:

Measures of China People's Bank for the Administration of Student Loans

Measures of China People's Bank for the Administration of Student Loans