Interested, never interested. Don't borrow money unless you need it especially. The interest is not low. If you don't pay it back in a year or two, you will regret it.

Second, does the national student loan have interest?

If there is interest, there is no interest on the national student loan during the school period, which is subsidized by the state finance. Students need to sign a repayment agreement with the bank after graduation. Student loans can be paid off in one lump sum after graduation, or the repayment date and time limit can be agreed. Within the prescribed time limit, the interest needs to be repaid every month, and the principal will be returned once it expires. Student loans can be repaid in advance. I. Definition of National Student Loan National student loan is a credit student loan provided by financial institutions and led by the government to help solve the tuition and accommodation expenses during school. The national student loan interest rate shall be based on the benchmark interest rate of the same grade in the same period announced by the People's Bank of China, and shall not rise. The national student loan interest of the loan students during their school days is paid by the finance, and the interest after graduation is paid in full by the borrower. In order to encourage financial institutions to undertake national student loans and establish a loan risk sharing mechanism, finance (universities) will give certain risk compensation to the handling banks. The national student loan is a credit loan. Students do not need to apply for loan guarantee or mortgage, but they must promise to repay on time and bear relevant legal responsibilities. According to the different application places and work processes of students, national student loans are divided into two modes: national student loans in schools and credit student loans in students' places of origin. Full-time college students are not allowed to apply for national student loans and student-origin credit student loans repeatedly in the same academic year, and they can only choose to apply for one of them. In principle, full-time graduate students apply for national student loans on campus. Second, you need to pay interest after graduation. 1. During school: the national student loan enjoys the financial discount policy, and the borrowing students do not need to pay interest. If you are an undergraduate or an undergraduate, you don't need to pay interest during this period as long as you apply for a loan extension. 2. After graduation: After graduation, students need to start paying interest. There is usually a two-year grace period after graduation. During this period, students only need to pay interest, and they need to repay the principal and interest from the third year. Reminder: the national student loan has interest, but the interest is free during students' study, and only after graduation. It is undoubtedly wrong to understand the national student loan as an interest-free loan. Three. Calculation of interest after graduation. After graduation, according to the contract, the benchmark interest rate of RMB loans of the same grade in the same period announced by the People's Bank of China will be implemented, and it will not rise. Therefore, the current loan interest rate is: 1, within six months (including six months): interest rate 4.35%2, six months to one year (including 1 year): interest rate 4.35%3, one to three years (including three years): interest rate 4.75%4, three to five years (.

3. Is there any interest on the national student loan?

You can apply for a national student loan during your postgraduate period. Generally, proof of family financial difficulties is needed, and other information is basically not needed. Now it is a new mechanism of national student loan, and there is no interest. Is a state-funded graduate student, only need to pay interest within two years after graduation, and the interest is settled at the central bank's interest rate. You need to repay the principal and interest at the same time in the third to sixth year after graduation. Of course, you must be able to repay all the loans when you graduate, and there will be no other follow-up work.

4. Is there any interest on student loans?

Scholarship loans are interest-free during the applicant's study at school, and all loan interests are subsidized by the national government. From September 1 day of the year of university graduation, the applicant will independently bear the interest on the scholarship loan. Of course, borrowers can also choose to pay off all loans in one lump sum before graduating from college. The interest on the grant loan is the same standard interest rate published by the People's Bank of China in the same period. The specific interest rates are as follows:

1, within 6 months of loan: the interest rate is 4.35%;

2. If the loan term is from 6 months to 1 year, the annual interest rate is 4.35%;

3. If the loan is 1-3 years, the interest rate is 4.75%;

4. If the loan lasts for 3-5 years, the interest rate is 4.75%;

5. The loan term is more than 5 years: the interest rate is 4.90%.