The term of the student loan can be filled in between 10 and 14. This is also stipulated by the state. The loan period of student-origin student loan is the remaining academic system plus 10 years, and the longest period cannot exceed 14 years. However, the loan term should also be filled in a little longer, because it can leave enough time for repayment. If the filling period is too short, the user may not be able to repay the loan, which will cause the students to study in loans overdue and affect the user's credit information.

College student loans are handled by colleges and universities and issued by financial institutions; Student credit student loans are handled by county (city, district) funding institutions and issued by China Development Bank.

China has established and implemented various forms of financial aid policy system for poor college students, including national scholarships, grants, national student loans, tuition fee remission, etc., to solve the problems of tuition, accommodation and living expenses for poor college students after entering school. At the same time, China's colleges and universities have also set up a "green channel" to help poor students enter school smoothly.

Under the condition of socialist market economy, it is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of colleges and universities in China and increase the financial aid for students from poor families in colleges and universities.

social support

The education department, the financial department and other departments jointly sponsored to subsidize eligible college students who are short of family funds and unable to complete their college studies, so that they can successfully pass higher education and export applied talents to the society. This way of helping students is to borrow money from the bank in the form of working for several years without interest during their study.

Financial institutions, such as China Development Bank, provide student-origin student loans to eligible college freshmen and students with financial difficulties, and handle them in the counties (cities, districts) where the students are registered before entering school.

The Ministry of Education also hopes that relevant local departments will coordinate and urge commercial banks to strictly fulfill their bidding commitments and the cooperation agreement on student loans signed with colleges and universities, and promptly accept loan applications from students with financial difficulties in colleges and universities; The accepted loan applications should be reviewed in time, and those that meet the prescribed conditions should be issued in time; If the loan contract has been signed, it is necessary to perform the contract according to law and issue the loan in full and on time.