Students who repay in advance should apply to the Student Financial Assistance Management Center 15 days in advance. The national student loan is led by the government, with financial subsidies and financial and university compensation for certain risks, and is jointly operated by banks, education administrative departments and universities.

Bank loans to help students from poor families in colleges and universities pay for tuition, accommodation and living expenses during their studies at school belong to credit loans. 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.

After receiving the letter of admission, students can consult the school to handle the national student loan. After students report to the school, they can apply for national student loans from financial institutions through the school.

Students whose information is postponed must apply for a loan from the bank through the school after the start of the new school year (the specific time is specified by each school), and the bank does not directly accept students' personal loan applications. In principle, the handling bank accepts an application for a national student loan once a year.

Students' credit student loans are applied, approved and issued on an annual basis. Before the start of the new semester, students apply for loans from the county (city, district) student financial assistance management center where their families are located. The county-level student financial assistance management center is responsible for the qualification examination of the applications submitted by students. The bank is responsible for the final approval and issuance of loans.

Baidu encyclopedia-national student loan