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As far as I know, the interest on both of them is very low. You can stay in school for any year without a loan. Disadvantages: the national student loan is convenient and the student loan procedure is troublesome. The national student loan is an exception, which is not applicable in some provinces.
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Second, the advantages and disadvantages of student loans
Advantages of student loans: relieving family pressure and helping students complete their studies smoothly. The interest of students in school is fully subsidized by the central government, and the grace period is longer. Disadvantages of student loans: students' ability to create wealth after graduation is not high, and it is easy to overdue, resulting in penalty interest of 65438+ 0.3 times of normal interest, which affects students' future loans.
The central government provides students with discount loans, and students from poor families can successfully complete their studies by relying on loans. When the borrower graduates, drops out of school, goes abroad, is expelled from school according to the school management regulations, and has not paid off all the loans, the borrower shall bear the loan interest by himself.
There is no harm in the student loan itself, because the state provides school security for students from poor families and it is subsidized by the central government, so students do not have much financial burden. However, students are different from students. Some students get national student loans but don't study hard, and student loans also have disadvantages.
Due to the lack of work experience of college students after graduation, enterprises generally do not give high salaries to fresh graduates, and there is a phenomenon of comparison, so the disadvantages of student loans are infinitely magnified.
Students' self-control is relatively poor, and some students fail to repay their loans within the time limit, resulting in bad credit records and affecting future loans.
3. What are the advantages and disadvantages of student loans?
The benefits of student loans are as follows:
1. Relieve difficulties and help students successfully complete their college studies;
2. Students can enjoy interest-free loans during their school days, and the interest is fully borne by the state finance;
3. After graduation, self-repayment of loan interest is very low for the loan industry, with little pressure;
4. In the current student loan period, the repayment period is very wide.
Applying for student loans can also help students pursue higher degrees, such as degrees.
4. What are the types and hazards of campus loans?
Business classification Campus loans can be strictly divided into four categories:
1.
Consumer finance companies-such as interest installment, periodic installment, etc.-also provide lower cash withdrawal in some cases;
2.
P2P loan platform (online loan platform) is used for college students to help them start businesses, such as famous school loans. Due to national regulatory requirements, most formal online lending platforms, including prestigious school loans, have suspended campus loan business;
3.
Offline private lending-private lending institutions and lenders, commonly known as.