There are six people in my family, grandpa, grandma, dad, mom, sister and me. Grandparents support the elderly at home, my sister goes to high school in the county, my parents farm at home, and my mother is sick. The expenses of the whole family mainly depend on crops.

Due to the small land and large population in my hometown, and the flood and crop failure last year, the per capita income of the whole family is less than that of 400 yuan. After entering the university, most of the tuition fees were borrowed by relatives and friends. It will be even more difficult for me to pay all my tuition fees this year. In order not to affect my studies because of financial difficulties, and to pay off my tuition in full and on time, I hereby propose a student loan to your society.

Brief introduction of student-origin loan;

Student-origin credit student loan refers to the student loan issued by financial institutions such as China Development Bank to eligible freshmen and students with financial difficulties. Students and their parents (or other legal guardians) apply to the county (urban area) student financial aid management center or financial institution where the students attend to help the students with financial difficulties pay the tuition and accommodation fees required during their study at school.

Student-origin credit loan is a credit loan, which does not need guarantee or mortgage. Students and their parents (or other legal guardians) are the same borrower, and both parties are liable for repayment.

The main provisions of student credit loans are as follows:

1. Application conditions

(1) with China nationality;

2 Honest and trustworthy, law-abiding;

(3) Freshmen who have been officially admitted to full-time ordinary undergraduate colleges, higher vocational schools and junior colleges (including private colleges and independent colleges, the list is subject to the announcement of the Ministry of Education) that have been approved to set up and implement higher education according to the relevant provisions of the state, and have obtained a true, legal and effective admission notice, or undergraduates, graduate students and second bachelor's degree students studying in colleges and universities;

(4) Students' pre-school household registration and their parents' (or other legal guardians') household registration are in the county (city, district);

⑤ The family is in financial difficulties, and the income they can get is not enough to pay for the basic expenses needed to complete their studies at school.

2. Handling procedures

Students' credit student loans are applied, approved and issued on an annual basis. Before the start of the new semester, students apply for loans from the county (city, district) student financial assistance management center where their families are located (some areas directly apply to relevant financial institutions). The county-level student financial assistance management center is responsible for the preliminary examination of the qualifications of the applications submitted by students. Financial institutions are responsible for the final approval and issuance of loans.

3. Loan amount

The loan amount applied by the borrower for each academic year shall not exceed 8,000 yuan in principle.

4. Loan interest

The interest rate of student-origin credit student loan is the benchmark interest rate of the same grade announced by the People's Bank of China in the same period, and shall not rise. Students' interest during school is fully subsidized by the finance, and the interest after graduation is shared by the students and their parents (or other legal guardians).

5. Repayment period and repayment method

In principle, the term of student-origin credit student loan is determined according to the full-time undergraduate academic system plus 10 years, and the longest is no more than 14 years. Among them, students are determined according to the remaining years of study plus 10 years.

For those who have studied for more than 4 years or continue to study for a postgraduate degree or a second bachelor's degree, the repayment period after graduation will be shortened accordingly. There is a grace period for students during school and two years after graduation. After the grace period is over, students and their parents (or other legal guardians) will repay the loan principal and interest in installments according to the loan contract.