The national student loan interest rate is 1. The national student loan interest rate shall be implemented according to the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies, and shall not rise. The current annual loan interest rate is: one to three years (inclusive): 5.76%; Three to five years (inclusive): 5.85%; More than five years: 6. 12%. If the loan is repaid in advance, the handling bank will calculate the interest according to the actual term of the loan, and no other fees will be charged except the interest payable. Interest = loan amount corresponding to the annual interest rate loan days. To put it simply, you don't have to pay interest when you study until you graduate within one year. Wait until the interest rate is 0.5% one year later, and then repay the loan at the bank or branch. 4. The student loan for three years after college 15000 yuan, and only the interest is paid for two years before graduation, with the interest rate of 7.2%. If only the interest is paid in the first two years, the quarterly interest payable = 15000×7.2%÷4 = 270 yuan. Now it is a legal society, and many things closely related to life are inseparable from the law, so we should know some legal knowledge. The existence of law can help us to deal with some things around us better. Legal basis: Article 38 of the Education Law. The state and society provide various forms of financial assistance to children, teenagers and young people who meet the requirements for admission and have poor families. Article 39 The state, society, schools and other educational institutions shall carry out education according to the physical and mental characteristics and needs of disabled people and provide them with help and convenience.

Second, how to calculate interest when graduate students apply for national student loans?

According to the national student loan policy, students who apply for this loan do not need to pay interest during their normal study at school, but they need to bear the loan interest from September 1 day of the graduation year. The national student loan adopts the cumulative interest-bearing method, and the interest is calculated annually according to the actual number of days. Product interest method formula: interest = accumulated interest product × daily interest rate, where accumulated interest product = total daily balance of the account. The value date is the loan issuance date of the Development Bank, and the interest settlement date is 65438+ February 20th every year (the interest settlement date of the last year of the loan is September 20th). If the borrower needs to repay the student loan in advance, it is best to apply to the university financial aid center before June 1 to June 10, or log on to the student online service system to apply. After the application, the loan amount shall be deposited into the designated account before 15 of the current month. It should be noted that the prepayment of student loans usually requires paying off the remaining principal and interest of a contract in one lump sum. Ordinary banks will not accept prepayment applications in June 5438+065438+ 10 and June 5438+February, because their systems will settle accounts at the end of the year.

3. When does the student loan count as interest?

After graduation, interest will be calculated from September. Because loan students usually start school in September, regardless of the application for 4 years, 5 years or even longer, the loan will end in September. Therefore, the repayment interest in the first year after graduation is calculated from September 1 year to February 20 18, with a period of 8 1 day, and the interest is calculated according to the number of days.

After that, the interest is calculated on an annual basis, and the repayment interest in the last year is less than one year. Interest is calculated from 65438+February 2 1 to-September 20, and interest is also calculated on a daily basis.

4. How to calculate the interest of applying for the national student loan?

According to the national student loan policy, students who apply for this loan do not need to pay interest during their normal study at school, but they need to bear the loan interest from September 1 day of the graduation year. The national student loan adopts the cumulative interest-bearing method, and the interest is calculated annually according to the actual number of days. Product interest method formula: interest = accumulated interest product × daily interest rate, where accumulated interest product = total daily balance of the account. The value date is the loan issuance date of the Development Bank, and the interest settlement date is 65438+ February 20th every year (the interest settlement date of the last year of the loan is September 20th). If the borrower needs to repay the student loan in advance, it is best to apply to the university financial aid center before June 1 to June 10, or log on to the student online service system to apply. After the application, the loan amount shall be deposited into the designated account before 15 of the current month. It should be noted that the prepayment of student loans usually requires paying off the remaining principal and interest of a contract in one lump sum. Ordinary banks will not accept prepayment applications in June 5438+065438+ 10 and June 5438+February, because their systems will settle accounts at the end of the year.