It is the loan interest rate stipulated by the bank plus 50%! For example, the one-year loan interest rate is 5.4%, if you are overdue, it is 5.4%, 5.4%, 50% =;

Calculated by the day!

Second, what should I do if I forget the student loan on schedule?

If you forget to repay the student loan, first log on to the student loan information network of China Development Bank (/cpfw/dzfwqd/zxdk/) and enter the student online service system to inquire about 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). : 1. The main content of the financial aid policy system for poor students in colleges and universities "the State Council's Opinions on Establishing and Perfecting the Financial Aid Policy System for Poor Students in Colleges and Universities, Higher Vocational Schools and Secondary Vocational Schools" (Guo Fa [2007]13) and its supporting measures were promulgated and implemented, and the state established national scholarships, national inspirational scholarships, national grants, free education for normal students and national student loans in the higher education stage. 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 also actively guides and encourages social organizations, enterprises and individuals to set up scholarships and grants for colleges and universities to help students from poor families enter and complete their studies smoothly. 3. Students with financial difficulties in families in colleges and universities Students with financial difficulties in families refer to students who are unable to pay their basic study and living expenses during their study at school with self-raised funds from themselves and their families, and are identified by the school in the form of democratic appraisal in accordance with the standards and procedures stipulated by relevant departments. 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 their families are located (see attached table) to prove the family economic situation. 13. Scope of implementation of university funding policy All full-time undergraduate students (including higher vocational colleges and second bachelor's degrees) in public ordinary universities, higher vocational schools and colleges that 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.

3. What if I forget the password of the student loan system?

Topic: You can try the following methods: First, you can take out the loan contract first, which is usually included in the contract, or you need to confirm the initial password first (the Alipay account password of the student loan was assigned to you by the China Development Bank when you applied for the student loan, so please contact the teacher of the student aid center or log in to the online service system of the student loan (the basic financial business management system of the China Development Bank), and you can find your account information and initial password on the home page of the system. ) The second type: If the initial password has been changed or forgotten, you can retrieve the email password through Sina security questions, click to retrieve the account password, enter the login name (Sina email) and verification code and submit it, and choose to retrieve the password (birthday) through security questions. Please enter the birthday on your ID card: yyyymmdd and reset the new email password. After retrieving the email password, reset the Alipay password according to the existing Alipay password retrieval method.

4. Is there any remedy for forgetting to pay the student loan interest?

Students forget to repay the principal and interest of the student loan, and the bank will report the overdue situation to the People's Bank of China. It is suggested to contact the bank immediately to explain the situation, otherwise it will have a great negative impact on buying a house and car 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 led by the government, subsidized by finance, compensated by finance and universities for certain risks, 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 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.