What should I do as a graduate student? The thing about the loan is that no matter whether you contact a third party or a bank, as long as you have a loan, the credit report will reflect that you borrowed a graduate student loan, but there is no response. You still have a loan, how much you owe, how much you paid, when you borrowed it, and so on. If you pay off, it means you have paid off. But even if it is paid off, there will be no new loans to buy a house in a few months (remember not to be a staff member or a property consultant for a few months). If you haven't returned it yet, you can bring it up and return it at an intermediate time. Graduate students generally belong to the potential high-quality customers of banks, and loans are relatively easy to get. But I can't help it if I haven't paid off the loan yet. Even for high-quality customers, banks should consider risks. First of all, you'd better pay off the loan you owe, so it's much easier to borrow a new one.

Second, can graduate students apply for student loans?

can

The process of handling student loans:

The loan acceptance department applies for a loan;

Prepare materials. Prepare relevant materials to register with the student financial assistance management department of the local education bureau, and receive the Application Form for Student Credit Loan of China Development Bank (hereinafter referred to as the Application Form). The borrower needs to complete the application form and seal it completely;

Review the materials. When the borrower and * * * go to the student financial assistance management department of the county (city, district) Education Bureau where the form is registered, they need to provide two identification materials (including the borrower and * * * together with the borrower's ID card and photocopy, student ID card or admission notice, household registration book), and provide the application form and postal savings account number, which will be reviewed by the staff of the student financial assistance management department of the County Education Bureau;

Sign the contract. The borrower and * * * sign the Loan Contract for Student Credit Loan of China Development Bank with the borrower himself, sign the loan contract and authorize the Postal Savings Bank to deduct the loan principal and interest from the above account;

Return the contract receipt. After the loan contract is signed, students can report to colleges and universities with the contract. From 20 1 1, students only need to go to the financial aid center of colleges and universities to handle the electronic receipt, instead of mailing the paper receipt. Within 30 days after registration, if the student financial assistance management department of the Education Bureau does not receive the receipt (no later than 65438+1October 30), it will be deemed that the student has cancelled the loan application;

Loan issuance and payment. According to the contract, the Postal Savings Bank will issue loans on the date agreed in the contract and wire the loan funds to the designated account of the borrowing student's university;

Repay the loan. After the borrower graduates, the students and the borrower are responsible for timely and fully depositing the funds into the personal account according to the loan contract.

Conditions for handling student loans from places of origin:

Have People's Republic of China (PRC) nationality;

Honest and trustworthy, law-abiding;

According to the relevant provisions of the state, freshmen or college students who have been formally admitted to full-time ordinary colleges, higher vocational schools and junior colleges approved to set up higher education have obtained a true, legal and effective admission notice;

Students' pre-school household registration and parents' household registration are in cities and counties (cities, districts);

The family is in financial difficulties, and the income they can get is not enough to pay for the basic expenses needed to complete their studies during school;

Other conditions stipulated by the bank.

Application materials for student-origin student loan:

Apply for a national student loan;

Copy of my student ID card and resident ID card (minors must provide valid identity certificate of legal guardian and written consent to apply for a loan);

My explanation of the family's financial difficulties;

Proof of family financial difficulties issued by the relevant departments where the students' families are located. Students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them;

Other information required by the bank.

3. Can a full-time professional master apply for a student loan?

Full-time professional masters can apply for loans;

1, there are four main forms of 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. Generally, the approved amount is less than 6000 yuan/year.

2. There are poverty certificates issued by villages, towns and counties, as well as poverty certificates issued by sub-district offices and sub-district offices. It is called the three-level certificate, which is mainly used as the initial basis for applying for student loans. The third-level certificate only needs to be stamped on a poverty certificate statement according to the jurisdiction level. Very easy to handle. If you don't have a third-level certificate, you can also apply for a student loan with a second-level certificate. The first-level certificate removed is generally at the town or county level, which requires the seal of the village or street office.

4. Can graduate students apply for student loans?

can

Graduate students can apply for student loans. In principle, they can apply for a national student loan in their country of origin. The annual loan amount applied by full-time graduate students shall not exceed 12000 yuan; If the total annual tuition and fees is less than 12000 yuan, the loan amount can be determined according to the total tuition and fees.

The proportion of national full-time postgraduate loans depends on the coverage of national scholarships, academic scholarships and other incentive policies and the situation of students with financial difficulties.

The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy. The national student loan is a bank loan which is led by the government, subsidized by the finance, and compensated by the finance and universities at certain risks, and jointly operated by banks, education administrative departments and universities. There are four main forms of 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.