If it is not an extreme situation, it is best not to apply for a loan. As college students, we have no job, no financial resources and no ability to repay loans. Some college students are underage and have not opened the relevant general payment.

First, the loan interest is extremely high. We not only need to repay the capital, but also need to pay huge interest. When we first entered the society, we didn't have a certain source of income, so it was difficult to repay.

Second, the financial resources of college students are mainly provided by their parents, if loans can be allocated reasonably.

Third, apart from the pole, once you have it for the first time, you will experience it again and again, and you may ruin your future in the face of unreasonable reasons.

So it is unwise for universities to do so.

Second, should college students get loans?

It depends on whether the family's financial situation can afford all kinds of expenses needed for going to college. It is too difficult for fresh graduates to find jobs. Even if they take out loans, it is still a problem that they will not pay after graduation.

3. Do college students need loans?

If students have financial difficulties in their families and have difficulty in going to college, they must apply for a student loan, which can alleviate the financial pressure on their families. Moreover, student loans do not need to be repaid during college, and only interest needs to be paid in the first three years after graduation. As long as students can find jobs within three years after graduation, they can repay their student loans themselves, which is also of great help to their families. In addition, CDB's student loan is a policy loan, and the benchmark interest rate of the central bank loan is implemented, so the loan interest is very low, so students don't have to worry about high interest rates. If the living conditions of students' families are not difficult, there is no need to apply for a student loan. There are four main forms of student loans: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to issue interest-free loans to students; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan. Ordinary colleges and universities with public full-time colleges and universities should actively implement the national student loan policy and jointly handle the national student loan for students from poor families in colleges and universities with cooperative banks. In addition, some private colleges and universities have carried out national student loans. Students should pay attention to the relevant statements in the school enrollment brochure or admission notice. Generally speaking, students from poor families need to apply for national student loans from local banks through their schools. In principle, students apply once during their school days, and the bank issues national student loans by stages. What materials do I need to provide to apply for a national student loan? 1, national student loan application; 2. Copy of my student ID card and resident ID card (minors must provide valid identification of legal guardians and written consent to apply for loans); 3. I explain the family's financial difficulties; 4. Proof of family financial difficulties issued by the relevant department where the student's family is located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them. The relevant departments of the examination and approval school are responsible for the qualification examination of the national student loan applications submitted by students, and checking the authenticity and completeness of the materials submitted by students; The bank is responsible for the final examination and approval of student loan applications. Borrowing students should confirm the repayment plan of the student loan with the bank when going through the graduation formalities. After graduation 1 year, you can apply to the bank to adjust the repayment plan. There are many ways to repay the principal and interest of student loans, which can be repaid in advance at one time or multiple times. If college students choose to repay the loan in advance, the handling bank will not charge any other fees except the interest payable. The specific operation method is as follows: 1. Log in to the homepage of CDB student loan information network, and then enter the loan information page through the student login name and password (the default login name for online application for early repayment in 2006-2008 school year is the school code student ID number, and the password is the eighth birthday; The login name and password for prepayment of online loans after 200 years are the login name and password when students apply for loans); 2, use the mouse to click on the "prepayment application" on the left to enter the prepayment application summary information page; 3. Click the "Add" button at the bottom left of the prepayment application summary information page to open the prepayment addition page; 4. Select a loan contract record and click OK to save the prepayment application information. 5. When logging in, if "There is something wrong with the security certificate of this website" appears on the webpage, please click "Continue to browse this website (not recommended)" in the penultimate line below to continue logging in.