College students can apply for national student loans while studying, and will not generate interest during their school days. The loan is suitable for full-time junior college students (including higher vocational students), second bachelor's degree students and graduate students. This loan is used for students' tuition, accommodation and living expenses, and will be repaid after graduation.

National student loan quota requirements: 1. The maximum loan amount for full-time undergraduates and junior college students per academic year shall not exceed 8,000 yuan; 2. Full-time graduate students cannot exceed 12000 yuan per academic year; The interest generated during the school period after the student loan is fully subsidized by the finance, and the interest generated after graduation is the responsibility of the students themselves; So it is very important to repay in time after graduation.

Note: The loan interest rate shall be based on the benchmark loan interest rate stipulated by the People's Bank of China for the same period, and shall not go up.

To apply for a national student loan, the applicant needs to submit a written application, and at the same time, he needs to submit a copy of his student ID card and a valid resident ID card. When applying, you also need to submit a description of the family experience, which generally needs to be stamped with the official seal of the relevant department. Only in this way can he get the corresponding loan.

Students must repay their loans on time after graduation, otherwise it will have a bad influence on personal credit information, and bad credit records will also affect future loans to buy a house and a car.

How do college students borrow money to go to school?

You can apply for a student loan, and the specific methods are as follows:

I. Online service system for registered students:

Log on to the National Development Bank's student-origin student loan information network (www, csls, cdb, com, cn) and register the student-origin student-origin online service system (student-origin);

Second, fill in the application form:

Fill in the application form online, export and print it after filling it out, and sign it by the borrowing student himself;

Third, build official seal:

The application form needs the official seal of the qualification examination unit. General qualification examination units include village (neighborhood) committees, township (street) civil affairs departments or any unit that originally graduated from high school. Please consult the county aid center where your household registration is located. Note: No official seal is required for pre-application of senior high school.

Four, the required materials:

1. application form signed and stamped by the borrowing student;

2. The original and photocopy of the borrower and the borrower's ID card;

3. A copy of the admission notice or student ID card;

4. Original residence booklet; Note: if the student and the borrower are not in the same household registration book, the original household registration books of both parties are required;

Verb (abbreviation for verb) sign a contract:

Borrowing students and * * * bring the materials needed by the borrower to the county-level help center where the household registration is located to sign the contract and receive the receipt.

Six, submit the receipt:

Borrowing students will give the receipt to the university teacher as soon as possible, and the teacher will enter it into the system. Note: Receipts cannot be entered after 10.

Tips: If the original student ID card is lost, it can be reissued with the student ID card issued by the university, and the county-level financial aid center keeps the original student ID card. Students can log on to the student loan information network of China Development Bank and click on the introduction of student loan on the left side of the online service system of students' origin to view the scope of student loan.

What are the requirements for studying abroad with a university loan?

1. Full-time freshmen or undergraduates, postgraduates and second bachelors studying in colleges and universities who have been officially admitted by full-time ordinary undergraduate colleges, higher vocational schools and junior colleges (including private colleges and independent colleges, the list is subject to the announcement of the Ministry of Education) and have obtained a true, legal and effective admission notice.

2. Students' pre-school household registration and borrowers' household registration are in the county (city, district).

3. As determined by the relevant departments, the family is in financial difficulties, and the family income is not enough to pay the basic expenses required for students to complete their studies during their school days.

4. No other student loans were obtained in that year.

Extended data:

1, amount of student loan:

The loan amount is determined according to the sum of tuition and accommodation fees. The maximum loan amount for full-time college students (including second bachelor's degree and higher vocational students) shall not exceed 8,000 yuan, and the maximum loan amount for full-time graduate students (including master's and doctoral students) shall not exceed 12000 yuan. Loans are mainly used to pay for students' tuition and accommodation at school.

2. Repaying student loans:

Students do not need to repay the principal during their study at school, and all the interest is subsidized by the financial department.

Students who do not continue to pursue their degrees after graduation will begin to repay their interest from 65438+February of the year of graduation. Three years after graduation (the first year of graduation) is a grace period, and you only need to pay interest, not principal. In the fourth year of graduation, I began to repay the principal and interest of the loan.