In order to prevent poor students from worrying about tuition fees, recently, it was learned from the Henan Student Financial Assistance Management Center that the pre-application of student-origin student loans in Henan Province has started, and all eligible students in Henan Province can apply.

What is a student loan ▼

Student-origin student loan is a national student loan officially accepted by ordinary universities, scientific research institutes, party schools, administrative colleges, accounting colleges and other training units, and applied by full-time ordinary college students (including students with second bachelor's degree), graduate students and preparatory students with financial difficulties in Henan Province through the student financial assistance management institutions in the counties (cities) where their household registration is located.

Students and parents (or other legal guardians) are the same borrower, and both parties are responsible for repayment.

Student credit student loans are applied for, approved and issued once a year.

In order to improve the accuracy of loan qualification, from now on, our province will comprehensively carry out the pre-application of student-origin student loans.

What is the scope of protection before application ▼

The coverage of pre-application includes: students from poor families who set up files and set up cards, students from families with minimum living security, disabled students with financial difficulties and their children, orphans and disabled students, children of martyrs, and students in urgent need of assistance and support; Students who enjoy state grants during their studies in high schools or secondary vocational schools; Students who need to apply for student loans due to natural disasters, family changes or family financial difficulties.

The pre-application list of high school and secondary vocational school students (including repeat students) shall be filled in by affiliated schools, and the county-level student financial assistance management center shall be responsible for the pre-application of previous high school graduates, students studying in other places and students with special circumstances.

How long can I keep it ▼

According to the policy, the student-origin credit student loan is determined according to the sum of the tuition and accommodation fees of the students, with the maximum of 8,000 yuan per academic year for undergraduates and12,000 yuan for postgraduates.

In principle, the term of student-origin credit student loan is determined according to the remaining academic system of full-time undergraduate and graduate students plus 13 years, and the longest period is no more than 20 years. Among them, students are determined according to the remaining years of study plus 13 years.

For those who have studied for more than 4 years or continue to study for a postgraduate degree or a second bachelor's degree, the repayment period after graduation will be shortened accordingly.

Three years after graduation is a grace period to repay the principal. During the grace period, the borrower only needs to repay the loan interest, not the loan principal. After the grace period, the borrower repays the loan principal and interest in installments.

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