If you pay it off in one lump sum before graduation and go directly to the bank, you don't need interest, because the interest during school is subsidized by the state finance, so you don't need to pay it back.

If you choose to repay according to the contract signed at that time after graduation, it is usually once a month or once a quarter. You need to contact the bank for the specific repayment amount, or the online banking that opens the repayment account will give you detailed repayment information.

Second, how to repay the college student loan?

First, common sense of repayment

1. Repay the interest on time within the grace period. Students begin to bear the loan interest on September 1 day of the year of graduation, and repay the interest in the first year before 65438+ on February 20th of that year, and then repay the interest on time before 65438+ on February 20th of each year.

2. Repay the principal on time after the grace period. Two years after graduation, students began to repay the principal for the first time before February 20, 65438, and then repaid the principal on time before February 20, 65438.

3. Repay normally every year. Every year from165438+10.21to 65438+20.2, students can check the principal and interest to be repaid each year through the online student loan system of China Development Bank.

4. Overdue repayment. In the following year, overdue repayment can be made before 20th of each month, but the default interest on overdue principal is required (contract loan interest rate 130%).

5. Repay in advance. Every year from June 65438+ 10 to June 65438+ 10/0 to June 1 0, students submit an application for early repayment through the student online system of China Development Bank (or contact the county student aid center to apply for repayment), and go through repayment procedures before the 20th of each month. When repaying in advance, the principal and interest under the contract must be paid off in one lump sum.

6. Every year 1 1 month is the time for the system to settle interest in advance. If you don't accept repayment, Alipay can't deduct money.

Second, the query method of student repayment principal and interest

1. Log in to "Student Online Service System for Student-origin Loan" and select "Student-origin Loan" and "ID Login".

2. Select "Province", "City", "County" and "Funding Center".

3. Enter the personal ID number.

4. Enter the login password. If the login password is wrong, you can contact the county student financial assistance center to reset the password.

5. Enter the verification code to log in to the system.

6. In the menu bar "Loan and repayment inquiry", you can inquire about the principal and interest that the loan student should repay, and the repayment account number (Alipay account number, or rural credit cooperative account number, postal savings account number).

Iii. Repayment process of college students' loans without Alipay accounts (referring to rural credit cooperative accounts and postal savings accounts)

1. After logging into the system to inquire about the students' principal and interest, contact the county-level student financial assistance center through 1 to 10 every month to inquire about the repayment method and repayment account information, and deposit the repayment funds into the repayment account designated by the county-level student financial assistance center.

2. On the 20th of each month, the county financing center will deduct the repayment funds from the China Development Bank.

3. In June of the following month 1, contact the county student aid center through the "student online service system" or telephone to inquire about the repayment situation.

Four, has opened the Alipay account of college student loan repayment process (Alipay account)

1. After logging in the system to check the principal and interest that students should repay, students log in to Alipay website every month from 1 to 10, and enter Alipay account name, login password and check code on the "Personal Login" page.

2. After logging in successfully, click "Recharge Now".

3. Choose the online banking channel (online banking that requires students to open bank cards first).

4. Students fill in the recharge amount according to the repayment amount, and click "online banking recharge".

5. Jump to the corresponding bank webpage, fill in the online banking and password, and complete the recharge.

6. On the 20th of each month, Alipay will automatically deduct the money.

7. After the next month 1 day, log in to Alipay, or log in to the student online service system, or contact the county financial aid center to check whether the automatic deduction is successful.

8. If there is no automatic deduction, you can call Alipay hotline.

Five, Alipay recharge repayment (refers to the students will not use Alipay repayment, entrust others to do it)

1. After logging in the system to inquire about the principal and interest that the students should repay, log in to the Alipay account of the client from June 5438+05 to the 20th of each month.

2. Select "Application Center", "Repayment" and "Repayment of Student Loan", and click to view "Function Demonstration".

3. Click "I want to repay" and enter "Repayment Student Alipay Account", "Repayment Student ID Number" and "Verification Code" to inquire about repayment information.

4. Inquire and confirm the repayment amount of students, select online banking, and directly recharge the repayment.

5. The customer inquires about the "transaction record", prints the "record details" and keeps the repayment voucher.

3. How do college students repay their loans? Do they go to China Bank to repay the loan?

The loan was repaid to the lending bank. This can be seen from the cover of the passbook of the account and the card face of the loan. Generally, the customer service phone number of their bank can also be seen from this. Another way is to have a loan contract. You should have one in your hand. You can see the related repayment items from it.

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. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Borrowing students apply for loans from the bank through the school to make up for the lack of expenses during their school days and repay them in installments after graduation. On August 8, 20 12, the new student loans of the development bank will exceed 1200 million yuan.

Fourth, how do college students repay loans?

It's not too late to take a part-time job after graduation.