Extended information:
The national student loan refers to the student loan issued by the National Development Bank to eligible college freshmen and students from poor families, which is handled in the county (city, district) where the students are registered before entering school.
Student-origin student loans are credit loans. Students and their parents (or other legal guardians) are the same borrower, and both parties are responsible for repayment.
Potential borrower
Full-time undergraduate colleges, higher vocational colleges, junior colleges (the list of schools is subject to the announcement of the Ministry of Education and is valid for filing in the student loan system of China Development Bank), undergraduates, graduate students and second-degree students.
Letter of credit clause
(1) Students applying for student-origin credit loan must meet the following conditions at the same time: 1. They have China nationality; 2. Honest and trustworthy, law-abiding; 3. Freshmen, graduate students and students with second academic qualifications who have been formally admitted to full-time ordinary undergraduate colleges, higher vocational schools and institutions of higher learning in the central and regional areas, and have obtained a true, legal and effective admission notice according to the relevant provisions of the state; 4. Students' pre-school household registration is in the same county (city, district) as their parents (or other legal guardians); The family is in financial difficulties, and the income they can get is not enough to pay for the tuition and accommodation needed to complete their studies at school.
(2) Students' families applying for student-origin credit loan should meet the following conditions: 1. No bad credit record; 2. Family financial difficulties should generally meet one of the following basic characteristics:
(1) Poor households, low-income households and poor households in rural and pastoral areas; ② orphans and disabled families; (3) Suffering from natural and man-made disasters, causing heavy losses and unable to afford the students' expenses; ④ Family members suffer from major diseases; ⑤ The main source of family income loses the ability to work for some reason; ⑥ Single parent families with no stable income; ⑦ Old, young, marginal, poor and poor families in remote rural pastoral areas; (8) Families where one or both parents are unemployed; Pet-name ruby other poor families. Loan purposes: Student-origin credit student loans are used to borrow students' tuition and accommodation fees in principle.
When the loan amount is higher than the actual demand for tuition and accommodation, the rest can be used for student living expenses. The national student loan is applied, approved and issued once a year.