Generally, changes are made offline, which can be made according to the following operations. The borrower applies for a loan application form to the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where the account is located (hereinafter referred to as the "county-level financial assistance center"), fills in the loan application form, and provides the following materials:

1. Original and photocopy of the borrower's and co-borrower's household registration book;

2. The original and photocopy of the ID card (or valid ID card) of the borrower and the cooperative borrower;

3. Health identification.

4. First-year students, with the "Admission Notice" and its copy; Students in school must hold the student ID card issued by the borrowing school and the student status certificate of the borrowing school.

First, if co-borrower has influence, it can apply for change. The loan term is determined in principle according to the longest term of full-time undergraduate and junior college education system (students' remaining education system) plus 10 year, and the longest loan term shall not exceed 14 year.

Two, two years after graduation from the normal academic system, the principal of the loan will be repaid in installments every year according to the loan contract. The grace period is two years after students enter school and graduate. After the expiration of the grace period, students and their parents (or other legal guardians) should repay the loan principal and interest in installments every year according to the loan contract.

Third, students who have studied for advanced degrees (including graduate students and second bachelor's degrees) for more than four years can shorten the period of debt service after graduation.

1. Generally, student loans are applied by the students themselves, and co-borrower is the legal guardian (parent) of the students. Student-origin student loan is a bank loan led by the government, funded by the government, jointly provided by finance and universities with certain risk compensation, and jointly operated by banks.

2. Education administrative departments and colleges and universities give special assistance to students from poor families in colleges and universities. The conditions for applying for a student loan are: People's Republic of China (PRC) nationality, honesty and law-abiding, and no record of violation of laws and regulations. Study hard, have a correct attitude and be active and diligent. Poor economic conditions at home make it impossible to pay basic expenses such as tuition, living expenses and accommodation.

3. According to the law, if the borrower does not meet the conditions of individual repayment, he can apply to co-borrower for help in joint repayment. Co-borrower has the obligation to repay the loan and the right to enjoy the loan together. For example, in housing mortgage loan, husband and wife or buyers as co-borrower jointly apply for loans from banks.

4. The personal loan system clearly stipulates that co-borrower can be the co-owner of the house purchased or other natural persons who meet the loan conditions. In principle, the borrower must be the borrower's parents or legal guardians, and his account must be consistent with the borrower's own account. If the borrower is not a parent, he must be between 25 and 60 years old. If co-borrower is over 60, co-borrower must be replaced.