If you forget to repay the student loan, first log on to the student loan information network of China Development Bank () and enter the student online service system to inquire about the situation in loans overdue; After knowing the specific overdue amount, log in to Alipay account () with Baidu () on the computer; Click "Application Center" and then click "Student Loan Repayment" to charge enough money into the account for repayment. Alipay can make overdue repayment on the 20th of each month.

We should note that the repayment date of the student loan is 65438+ February 20th every year. If customers want to repay on time, they need to deposit in the Alipay account generated when they first applied for the student loan on February 5, 65438, so as to ensure that the system can smoothly deduct the corresponding amount of repayment amount on the repayment date and complete the repayment. (The repayment date of the last year is September 20th, and customers should deposit money on September 15).

The main contents of the financial aid policy system for students from poor families in colleges and universities

After the promulgation and implementation of the State Council's Opinions on Establishing and Perfecting the Financial Aid Policy System for Students from Poor Families in Colleges, Higher Vocational Schools and Secondary Vocational Schools (Guo Fa [2007]13) and its supporting measures, the state has established various forms of financial aid policy systems for students from poor families in colleges and universities, such as national scholarships, national inspirational scholarships, national grants, free education for normal students, national student loans, work-study programs, tuition fee remission and so on. When students from poor families are admitted to universities, they can first report on time through the "green channel". After entering the school, the school verifies the family's financial situation and then adopts different ways to support it. Among them, the problem of living expenses is mainly solved by state grants, supplemented by work-study programs; To solve the problem of tuition and accommodation, the national student loan is the main one, supplemented by the national inspirational scholarship. In addition, the state actively guides and encourages social organizations, enterprises and individuals to set up scholarships and grants for institutions of higher learning to help students from poor families enter and complete their studies smoothly.

3. College students from poor families

Students with financial difficulties in their families refer to students who can't pay the basic study and living expenses during their studies at school with the funds raised by themselves and their families. By the school in accordance with the standards and procedures prescribed by the relevant departments, determined through democratic appraisal. When students apply for the identification of family financial difficulties, they need to submit the "Questionnaire on Students and Families in Colleges and Universities" stamped by the civil affairs department of the township, town or street where the family is located (see attached table) to prove the family economic situation.

3. The scope of implementation of university funding policy.

All full-time undergraduate students (including higher vocational colleges and second bachelor's degrees) in public colleges, higher vocational schools and junior colleges who meet the requirements stipulated by the state enjoy the state funding policy. Private colleges (including independent colleges) run schools in accordance with the relevant provisions of the state, and fully withdraw 4-6% of their business income to subsidize students with financial difficulties from families. Their full-time undergraduates (including higher vocational colleges and second bachelor's degrees) who meet the requirements stipulated by the state can also enjoy the state funding policy. The specific measures shall be formulated by the provinces (autonomous regions and municipalities directly under the Central Government) in accordance with the relevant provisions of the state.

What if the student loan is not repaid in time?

What are the consequences of the loan money?

If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments;

If the lending institution fails to perform the judgment of the court within the performance period after suing the court and winning the case, it will apply to the court for enforcement;

When the court accepts enforcement, it will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law;

If the lender has no executable property under his name, refuses to perform the effective judgment of the court, and the negative information such as overdue repayment will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody.

Basically, it won't affect, and you can repay on time in the future.

What should I do if I forget to pay back the student loan on February 20, 65438?

If the student loan misses the repayment date, it should be repaid in time and pay the penalty interest, and then repaid on time every month. Don't miss the repayment time again, keep a good credit record and minimize the negative impact of overdue, because loans overdue, a student, made a credit report at the meeting. Studying in loans overdue may also cause the interest rate to rise when applying for a mortgage, reduce the loan amount, and make it impossible to enjoy the preferential interest rate for the first suite of the bank. Those who are overdue will be unable to apply for a mortgage, blacklisted by the bank and unable to apply for a loan in the future.

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.

On July 2 1 2020, the Ministry of Education, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission jointly issued the Notice on Adjusting and Perfecting the Relevant Policies of National Student Loans (J.J.Z. [2020] No.4), clearly proposing to adjust the relevant policies of student loans from three aspects: repayment grace period, loan term and loan interest rate.

Loan form

There are four main forms of loans: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to issue interest-free loans to students; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan.

There are colleges and universities.

Public full-time colleges and universities should actively implement the national student loan policy and cooperate with students from poor families in colleges and universities to handle national student loans. In addition, some private colleges and universities have launched national student loans, and students should pay attention to the relevant statements in the school enrollment brochure or admission notice.