I forgot to pay back the student loan. The first and most important thing is to pay off the arrears and default interest. 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. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to credit funds such as loans, discounts and overdrafts. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China. Due to the high risk of credit loans, it is generally necessary to conduct a detailed investigation on the economic benefits, management level and development prospects of borrowers in order to reduce risks. Interest is the use fee of money in a certain period of time, and it refers to the reward that money holders (creditors) get from borrowers (debtors) for lending money or monetary capital.

Second, what should I do if the tuition fee for the student loan is overdue? The loan hasn't come down yet, but the deadline for school payment has passed. What should I do?

You just need to transfer the total tuition fee minus the loan amount to the card. Because your student loan application is successful, the money will be transferred from the bank to the school. When you register, you can go through the admission formalities with the money you want to pay and the relevant proof of the student loan. I hope it helps you!

3. What should I do if I forget the student loan password?

If you forget the student loan login password, you can reset the password in the following ways:

1, reset the password with the answer to the question;

2. Fill in the accurate basic information (ID number, qq number and contract number) and then reset the password;

3. Call the service number of the Student Financial Assistance Management Center and ask the staff to help reset the password. You can also call customer service at 95593 to request a manual password reset.

4. What if the student loan is not repaid?

National Student Loan The national student loan refers to the RMB loan granted by rural credit cooperatives to full-time graduate students and undergraduate and junior college students in institutions of higher learning in People's Republic of China (PRC) and China (excluding Hongkong, Macao Special Administrative Region and Taiwan Province Province) to pay their tuition, accommodation and living expenses, and the interest subsidy is given by the central or local finance. 2. The object of national student loans The object of national student loans is full-time graduate students and undergraduate and junior college students with financial difficulties in institutions of higher learning in People's Republic of China (PRC) (excluding Hongkong, Macao Special Administrative Region and Taiwan Province Province). 3. The borrower's specific conditions 1) I and my family are in financial difficulties, which affects their normal study and life; 2) Have legal resident identity documents and student ID cards or admission notices; 3) There is a student's parent or teacher, a classmate and two witnesses, and borrowers are not allowed to witness each other; 4)/kloc-under the age of 0/8, the consent of the guardian shall be obtained; 5) Abide by the law, have good moral character, and be able to complete their studies normally; (six) other conditions stipulated by the rural credit cooperatives. 4. Loan Amount The loan amount of the national student loan includes tuition, accommodation and living expenses during the school period, and the maximum amount per academic year is no more than 6,000 yuan (inclusive). 5. Loan Term The longest term of the national student loan is 8 years (including 8 years). At the same time, the term must be limited to the borrower's ability to pay off the loan principal and interest within 4 years after graduation. 6. The loan interest rate is the same period loan interest rate stipulated by the People's Bank of China, and shall not rise. 7. The issuance of loans The national student loan is issued in the form of one application by the borrower, one examination and approval by the handling bank, single-family accounting and installment payment. Among them, tuition and accommodation loans are paid according to the academic year (period) and directly credited to the account opened by the borrower's school in Henan Rural Credit Cooperative; Living expenses loans are paid monthly and credited to the personal account opened by the borrower in Henan Rural Credit Cooperative. In principle, the living expenses will be paid every year 10 month, and no loans will be paid every winter and summer vacation (that is, February and August).