1, bank loan. With the continuous development of social economy, college students can apply for loans directly from banks. The advantage of bank loans is that the amount is large and the application threshold is low. In other words, the success rate of college students' loans is relatively high. However, the bank loan threshold is higher. College student loans require applicants to provide their identity certificates, work certificates, student ID cards and other materials. 2. Loans from loan companies. The loan threshold of a loan company is lower than that of a bank, but not every student can apply for a loan. The loan threshold of college student loan companies will be lower than that of banks.

Where can I apply for a college student loan?

Student loans are generally applied to the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where the family is registered. The process is as follows:

1. Bring my ID card, household registration book, college admission notice, and proof of family financial difficulties issued by the relevant departments where my family is located, and apply for a loan at the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where my family is registered. After receiving the application form and filling it out, submit the completed form together with the materials.

2. The local funding center will review the materials, sign a loan contract with the borrowing students after the approval, and then issue a contract receipt.

3. Borrowing students will give the contract receipt to the school when going through the admission formalities, and the school will enter the information, and then send the contract receipt back to the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where the student is located.

4. The local financial aid center shall compile a summary table and submit it to the provincial student financial aid management center, which will submit it to the handling bank for approval before issuing loans (generally, the funds will be transferred to the borrower's personal account first, and then transferred to the tuition account of the school where the borrower is located).

How to apply for a college student loan

China Bank's national student loan application process:

1, offline mode:

(1) Students submit loan applications to the financial aid management institutions of colleges and universities; The application for national student loan can be submitted through online channels such as personal online banking and personal mobile banking of Bank of China, and paper applications can also be submitted to universities offline.

(2) Colleges and universities shall conduct preliminary qualification examination on the national student loan application submitted by students, and be responsible for the authenticity of the student loan application qualification. Colleges and universities should complete the examination within 20 working days after receiving the application for student loans, form a list of students who intend to agree to apply for loans, and complete the preliminary examination.

(3) After the completion of the preliminary examination, colleges and universities should confirm the qualified loan application stamped with the official seal within 5 working days, inform the students applying for loans of the preliminary examination results, and prepare the Information Form for Examining Students Applying for National Student Loans according to the requirements of the handling bank, and send it to the handling bank together with the application materials in the form of electronic documents and written documents.

(4) The handling bank shall complete the audit within 10 working days according to the regulations after receiving the "Information Form for Examining Students Applying for National Student Loans" and application materials submitted by universities and institutions. If there are errors or omissions in the materials submitted by institutions of higher learning, the handling bank may ask the institutions of higher learning to correct or supplement them, and the handling bank shall conduct a review. The audit of the handling bank shall be completed within 5 working days after the institutions of higher learning submit the corrected or supplementary materials.

(5) Through the online channel of national student loan, colleges and universities can conduct online preliminary examination in the system and submit it to the handling bank, without the need for paper materials such as the Application Form for National Student Loan and the Information Form for Students' Application for National Student Loan.

(6) The handling bank shall send the loan contract (format) and the IOU text to institutions of higher learning within 5 working days after the completion of all the examination and approval work.

(VII) Institutions of higher learning should organize students to fill in and sign loan contracts and IOUs within 5 working days after receiving the loan student roster, loan contract text (format) and IOUs recognized by the handling bank.

(8) Colleges and universities submit loan contracts and IOUs signed by students to the handling bank. The handling bank shall, within 10 working days, complete the review of loan contracts and IOUs signed by borrowing students submitted by colleges and universities, and sign loan contracts. After the signing of the loan contract, the handling bank will deliver the loan contract kept by the university institution and the borrowing student to the university institution within 2 working days, and the university institution will hand over one of them to the borrowing student within 2 working days. Colleges and universities should require borrowing students to sign the receipt of the loan contract, which will be stamped by the school and then fed back to the handling bank.

2. Online mode: After May 29, 2022, the policy will resume online channel application:

(1) If online mode is adopted, it shall be approved by the bank first, and then by the university.

(2) After receiving the student's application, the handling bank shall review the compliance and completeness of the materials submitted by the students and the student's credit information according to the requirements of the loan policy, and complete the loan approval within 15 working days after the application materials and supporting materials are complete. If the student's application information is wrong or the submitted materials are wrong or omitted, it shall be returned to the student for correction or supplement. The handling bank has the right to approve the loan and submit it to the undertaking institution of the university.

(3) The undertaking institutions of colleges and universities should examine the authenticity of students' family financial difficulties qualifications and enrollment registration. At the same time, according to the amount of tuition and accommodation required by students, the loan amount applied for will be reviewed and adjusted. The undertaking institution of a university shall complete the examination and approval through the Shang Yi _ National Student Loan System of China Bank within 20 working days after receiving the application for student loan approved by the bank. Colleges and universities can complete the loan review in batches.

(4) After being approved by the handling bank and the university undertaking institution respectively, both parties organize students to sign loan contracts in mobile banking, and then enter the loan process after signing the contracts. Students can check the signed loan contract at the personal mobile banking terminal of BOC. After the personal mobile banking of China Bank signs the loan contract, the handling bank shall prepare a student list page, which shall be sealed by the university undertaking institution, and the sealed student list page shall be filed as required. If the university needs to keep the loan contract, the handling bank should print the loan contract signed by the personal mobile banking terminal of China Bank and submit it to the organizer of the university.

Colleges and universities can inform their parents or other legal guardians of the loan information of the borrowing students in time by means of e-mail, SMS, telephone, WeChat and registered letter.

The above contents are for your reference. Please refer to the actual business regulations.

Where can I apply for a college loan?

The places where college students apply for loans are:

1. Management Service Center of College Students Pioneer Park, where you can apply for college students' entrepreneurial loans;

2. The Education Bureau of the place of origin can handle the national student loan;

3 student financial assistance management center, you can apply for student credit loans.

College student loans have gradually become the main service for major online lending companies to develop college student customers. College students' self-employment, installment consumption, education and training and other aspects of consumption expenditure make them become high-consumption groups with no fixed income, which makes them have a strong demand for loan services. However, the student loans and entrepreneurial loans provided by the national government with harsh conditions and troublesome applications can no longer meet the loan needs of today's college students.

Requirements for loan term and amount:

The Wechat business loan provided by the state for college graduates is a government-subsidized loan with a term of 1 ~ 2 years, after which it will no longer enjoy financial discount.

Generally speaking, the amount of venture loan does not exceed 70% of the total liquidity required by the borrower for normal production and business activities, purchase (installation or repair) of small equipment (machines and tools) and franchise chain operation; The term is generally 2 years, and the longest is not more than 3 years, of which the longest term of working capital loan for production and operation is 1 year; Personal business loans shall be subject to the fixed loan interest rate promulgated by the People's Bank of China, and the interest rate may fluctuate within the prescribed range.

Loan repayment method:

1. For individual entrepreneurial loans with a loan term of less than one year (including one year), the principal and interest will be repaid in one lump sum at maturity, and the profits will be paid off with the principal;

2. For individual entrepreneurial loans with a loan term of more than one year, the repayment method of loan principal and interest can be equal principal and interest repayment method or average capital repayment method, or other methods agreed by both parties. The relevant preferential policies depend on your local government.

Graduates first apply to the local people's social security bureau for small secured loans, fill in the Pre-examination Form for Small Secured Loans for Laid-off Workers, and then submit their identity documents, employment unemployment registration certificates, pre-examination forms for small secured loans for laid-off workers and a copy of their business licenses to the banks that handle small secured loans. After the bank approves the loan, it will sign the loan contract and guarantee contract with the borrower in person, and the bank will generally give a reply within 5 working days after submitting the information.