The student source credit student loan is repaid and settled once a year at the end of each year, and the repayment time is from February 1 1 to 65438+20 (the National Development Bank repays on February 65438+20, and the latest repayment time is before September 20). Please be sure to repay the loan students on February 65438+6544.

Second, how to use student loans

Answer; How to apply for a national student loan? Generally speaking, students from poor families need to apply for national student loans from local banks through their schools. In principle, students apply once during their school days, and the bank issues national student loans by stages. How many national student loans can students apply for each academic year? The maximum loan amount per student per academic year does not exceed 6000 yuan. What are the general requirements for applying for a national student loan? 1. Full-time undergraduates (including higher vocational students), postgraduates and second bachelor's degree students with financial difficulties; 2. Have People's Republic of China (PRC) nationality and hold People's Republic of China (PRC) identity card; 3. Have full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians); 4. Honest and trustworthy, law-abiding, no illegal behavior; 5. study hard and be able to complete your studies normally; 6. Due to the family's financial difficulties, the income earned during the school period is not enough to cover the basic expenses (including tuition, accommodation and basic living expenses) needed to complete their studies.

Third, how do college students borrow 202 1?

If the student loan is the first loan, it can be handled at the local education bureau at or above the county level. The loan extension can be handled directly online or on site.

Fourth, how to use student loans.

Safe lending needs "four questions"

The reporter of International Finance News interviewed Zeng Qinghui, CEO of Jin Fu, a famous school, about how to borrow money safely and what awareness college students need to establish.

He said: "As an adult, college students should have a sense of risk and credit. They should ask four questions before borrowing money. "

Ask the borrower: before borrowing money, college students should ask themselves who the money is to be lent to and to whom. This seemingly simple and ridiculous question is actually closely related to the security of personal information. Many college students are deceived because of their weak awareness of personal information prevention. They naturally disclose their personal ID cards, student ID cards and even video information to acquaintances such as "seniors", "school sisters" and even "counselors", resulting in innocent debts and even being involved in the system. Ask "to whom" before you borrow money, refuse to lend money to others in your own name, and be wary of "acquaintances".

Second, ask about the purpose of the loan: after the borrower determines that it is himself, he should think twice about the purpose of the loan. Borrowing for micro-entrepreneurship, education investment, moderate consumption and other legitimate behaviors can help college students solve temporary financial difficulties, experience a wonderful life and bravely pursue their dreams, which is the purpose of borrowing encouraged by the campus loan platform; Once used in the trap of gambling and excessive consumption, there will inevitably be bigger holes, which will eventually be unbearable and lead to unpredictable tragedies.

Three questions about loan platforms: At present, the campus loan market is in the early stage of development, and various platforms are rising rapidly, which is followed by malicious competition brought about by staking among platforms. The word-of-mouth of major platforms is uneven, with different scales and different benefits, which makes it difficult for college students to choose platforms. After the college students' loan intention is confirmed, they must keep their eyes open, pay attention to the standardization and details of the contract terms, repeatedly confirm and compare the official seal and other information, and listen carefully to the tips of the customer service staff during the audit process. In addition, we should be alert to and guard against those who claim that they can lend money in advance, increase the quota or reduce interest in the name of "intermediary" or "agent", and choose a big platform with good credibility, standardized operating procedures and sound audit mechanism. Never blindly covet the temptation of welfare and eventually fall into a scam.

Four questions about loan amount: College students are young, energetic and impulsive. They often borrow more when they are excited before borrowing, but ignore their repayment ability. When borrowing money, you should consider your repayment ability, reasonably choose the loan amount, pay attention to avoiding overdue risks, repay on time, and cultivate your credit awareness, otherwise your reputation and money will be damaged, and the loss will outweigh the gain; While considering the repayment ability, we should also prepare for overdue under special circumstances. Once the repayment pressure is caused by overdue, we should take the initiative and strive to repay through work-study programs or other forms, without evading or shirking our responsibilities, so as to establish a good credit image for ourselves.

Standardizing campus loans should not be across the board.

In addition to improving college students' awareness of campus loan platform, it is also important to cultivate healthy and correct knowledge of financial risks and standardize the development environment of campus loan.

Zeng Qinghui said that there are indeed some problems in the campus loan industry. As a group with predictable cash flow income, college students provide more possibilities for the supply and demand market of financial services. Under the huge market potential, many bad online loans take advantage of it, which leads to the mixed campus loan market and the risks gradually appear. Excessive consumption, fake loans, violent collection and other news frequently exposed.

Li Guiyuan said that standardizing campus loans cannot be across the board and requires a game of chess. While standardizing, rectifying and cleaning up the campus loan platform, we should also pay attention to the reasonable consumer credit demand of college students, guide financial institutions to optimize their services, and provide college students with small consumer financial products with reasonable interest rates; More importantly, it is necessary to strengthen the education of students' consumption concept, strengthen the education of risk prevention awareness of financial knowledge collection, improve their ability to identify campus loan traps, establish their credit awareness, eliminate their ignorant lending psychology, and make rational loans without being carried away by temporary pleasures.

In the next step, Guangzhou Financial Bureau will also organize various forms of financial knowledge into campus activities together with Guangzhou Internet Finance Association and other industry associations, financial regulatory agencies and financial institutions, and explore the inclusion of campus online loan risk prevention knowledge into the education content of the "first lesson" to improve college students' financial knowledge and risk prevention awareness. At the same time, Li Guiyuan also proposed that major schools should establish early warning, monitoring and information sharing mechanisms for campus online loans and strengthen information sharing with relevant government departments.

Song Fang, president of Guangzhou Internet Finance Association, said in an interview with the media that at present, the illegal campus loan platform has basically been rectified or closed down, and the rectification work has achieved remarkable results. There has been no vicious incident of campus loan in Guangzhou.

Relevant investigation reports show that more than 60% of students apply for campus loans for shopping, entertainment and communication. Illegal campus lending institutions use students' blind consumption and ignorance of lending psychology to deceive, which is a major reason for the chaos of campus loans. In the process of standardizing campus loans, it is necessary for the competent departments, schools and financial institutions to work together, and it is even more urgent for students to participate. Starting from ourselves, cultivate this market and optimize the campus financial service environment.