Step 1: Students apply.

Students apply to their school institutions within the specified time, receive the "National Student Loan Application Approval Form" and other materials, fill them out truthfully and completely, and prepare relevant certification materials to return to the school's national student loan agency.

Step 2: The school institution conducts the loan preliminary examination.

School institutions organize students to apply for loans and accept student loan applications within the annual loan amount and control ratio issued by the National Student Loan Management Center.

Step 3: The handling bank approves the loan.

The handling bank shall complete the audit within 20 working days after receiving the information form and application materials submitted by the school.

Step 4: Sign a loan contract with the students.

After the loan application is approved, the school will organize students to fill in, sign loan contracts and IOUs within 10 working days according to the loan student roster provided by the handling bank, and submit them to the handling bank.

Step 5: Borrow.

The handling bank shall, within 20 working days after signing the loan contract and iou with the borrowing students, uniformly transfer the first-year tuition, accommodation and living expenses into the designated account opened by the school in the handling bank.

Step 6: Repay the loan.

Borrowing students should pay attention to their own credit and repay on time after completing their studies with student loans.