1. Students who apply for loans should apply for loans from their school with their valid certificates before and after the start of the new school year 10 days (loan applications should be directly submitted to the relevant departments of their school, and banks do not directly accept students' personal loan applications);

2. Receiving applications for national student loans;

3. Apply for the national student loan commitment letter and other related materials, and fill it out truthfully.

4. According to the students' difficulties and the loan amount determined by the state, the school will examine the qualifications of students applying for loans, and send them to the handling bank for approval, and the bank will sign a loan contract with the students;

5. For some students whose families are particularly difficult and unable to provide guarantee, they can apply for loans for poor students. After the school reports to the student loan management department for examination and approval, the handling bank shall handle the loan formalities according to the regulations.

Student-origin student loan generally refers to the national student loan, which is a bank loan led by the government, subsidized by the government, compensated by the finance and universities, and operated by banks, education administrative departments and universities to help poor students in colleges and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they must promise to repay on time, repay in installments after graduation, and bear relevant legal responsibilities.

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.

Conditions for applying for national student loans: full capacity for civil conduct (minors must obtain the written consent of their legal guardians); Honest and trustworthy, law-abiding, no violations of law; Study hard and be able to complete your studies normally; Due to family difficulties, the income earned during the school period is not enough to pay the basic expenses (including tuition, accommodation and basic living expenses) needed to complete their studies; Approved by the school; Meet other conditions stipulated in the General Rules for Loans published by the People's Bank of China.