Regulations on the administration of national student loans /detail.asp? col = 320 & ampID=595

Second, is the student loan handled by the Education Bureau?

Student loans are handled by the Education Bureau, and the specific process is as follows: 1. Students and guardians shall apply for loans from the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where their household registration is located, fill in the application form for student-origin student loans, and provide their own and their parents' ID cards, the original and photocopy of the household registration book, and the proof of their school status and family financial difficulties issued by the relevant departments in the place where their families are located. 2. The local funding center shall conduct an audit according to the data, sign a loan contract after passing the audit, and issue a contract receipt. 3. Students will give the contract receipt to the school, and the school will enter the information, and then send the contract receipt back to the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where the students are registered. 4. The summary table prepared by the local financial aid center shall be submitted to the provincial student financial aid management center, which shall submit the loan to the handling bank for review. If it is not the first time, you can directly log in to the student loan information network of China Development Bank and enter the online service system for student renewal. At that time, you can choose to sign online without going to the Education Bureau. 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. 2065438+On July 20th, 2005, the Ministry of Education and other departments jointly issued "Several Opinions on Perfecting the National Student Loan Policy". According to the Opinions, in order to effectively reduce the financial burden of borrowing students, the longest loan period is extended from 14 to 20 years, and the grace period for repayment of principal is extended from 2 years to 3 years. The loan interest of students during their school days will be fully subsidized by the government. According to the law, the Ministry of Education, the Ministry of Finance and the China Banking Regulatory Commission "Notice of the General Office of the State Council on Forwarding Several Opinions on Further Improving the Work of National Student Loans". Change the current practice of giving 50% financial subsidy to the student loan interest during the whole loan contract period, and implement the method that all the loan interest of the borrower students is subsidized by the financial subsidy and paid by themselves after graduation, and the borrower students begin to pay interest after graduation. (2) Extend the repayment period. Change the current practice of repaying the loan principal from the date of graduation and paying it off within four years. Depending on the employment situation of the borrower after graduation, implement the practice of/kloc-0 to pay off the loan after two years and within six years. Borrowing students should confirm the repayment plan with the handling bank when going through the formalities of graduation or termination of their studies, and the repayment period shall be determined by both borrowers and borrowers through consultation. If the borrower continues to study for a degree, the borrower shall provide written proof of continuing to study for a degree to the handling bank in time, and the financial department will continue to implement discount according to the students in school. The borrower may apply to the bank to adjust the repayment plan within 1 year after graduation or termination of studies, and the handling bank shall accept it and make reasonable adjustments according to the actual situation and relevant regulations. There are many ways to repay the loan principal and interest, which can be repaid in advance at one time or in several times. If the loan is repaid in advance, the handling bank shall charge interest according to the actual time limit, and shall not charge any other fees except the interest payable. (3) Borrowing students who voluntarily work in hard areas and industries needed by the country after graduation and serve for a certain period of time may, upon approval, compensate their loan principal and interest in the form of scholarships. The specific measures will be formulated separately in combination with the student employment policy.

Third, how to apply for a university loan?

Very convenient. It is generally easy to get loans from 2 1 1 and key universities directly under the Ministry of Education. Just fill out the form.