College students can reduce the pressure burden of going to college through national student loans.

The national student loan is a bank loan led by the government, subsidized by the government, and operated by banks, education administrative departments and universities to help poor students in colleges 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.

1. Applicant and conditions:

Full-time undergraduate students (including students in higher vocational colleges), second bachelor's degree students and graduate students in ordinary colleges and universities, and meet the following conditions

(1) Family financial difficulties;

(2) Persons with China nationality and 16 years of age or older must hold Chinese identity cards;

(3) Having 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 you can finish your studies normally.

2. Application materials:

After the start of the new school year, students apply for loans from banks through schools. The following materials are required:

(1) national student loan application;

(2) A copy of my student ID card and resident ID card (the minor provides a valid identity certificate of the legal guardian and a written opinion agreeing to apply for a loan);

(3) my explanation of the family's financial difficulties;

(4) Proof of family financial difficulties issued by the relevant department where the student's family is located.

3. Application amount

In principle, full-time undergraduates should not exceed 8,000 yuan per academic year, and full-time postgraduates should not exceed12,000 yuan per academic year.

4. Lending approval

The student financial assistance department of the school is responsible for the qualification examination of the national student loan application submitted by the students and checking the authenticity and completeness of the materials submitted by the students; The bank is responsible for the final examination and approval of student loan applications.

Step 5 lend money

The national student loan is in the form of one application, one credit and installment payment, that is, students can sign loan contracts with the bank for multiple academic years at one time, but the bank will issue them in different years. In a school year, the bank should provide a one-time loan for tuition and accommodation.

6. Loan interest

The national student loan interest rate is based on the benchmark interest rate of the same grade published by the People's Bank of China in the same period. The national student loan interest of the loan students during their study in school is all subsidized by the government, and the interest after graduation is paid in full by the loan students themselves.

How do college students borrow money to study?

Question 1: How do college students borrow money to study? If you need to apply, fresh graduates need to hold the admission notice (student ID card), the original ID card and the printed copy to go back to the place where the household registration is located to download and print the family situation questionnaire and the student loan application form online. The admission notice of students in school can be replaced by a student ID card. Of course, you can apply at school, which is more convenient, but the family situation questionnaire and other materials can not be omitted. Doctoral and master students don't need money. They have a monthly subsidy of 500 master students, about 1800 doctors, and 20 14 master students need tuition, but the school and tutor will help you solve it. Do your best.

Question 2: What are the requirements for college student loan? Discount: you don't have to pay interest during school.

Tip: However, the financial department subsidizes the bank with interest every year, so if you repay in advance when you don't need to pay interest, you need to settle the interest when you repay, and then the bank will transfer the financial subsidy to your associated account at the end of the year.

Conditions:

1. Freshmen: admission notice, student loan approval form (approved by functional departments such as neighborhood committee and education bureau), ID card of borrower (usually one parent or legal guardian) and household registration book.

2. Old students: student ID card, loan advice issued by the school (no other student loans at school, excellent academic performance, etc.). ), the identity card and household registration book of the same borrower (usually a parent or legal guardian).

Amount:

Memory is the sum of tuition and accommodation, with a minimum of 6000 yuan.

Question 3: What are the procedures for college students to apply for loans to study abroad?

The following conditions must be met:

(1) has been

about

.

(2) having

Id card, detailed address of the school and its departments.

(3) Having a student ID card, student status certificate, valid resident ID card and other relevant documents issued by the school; Proof of tuition, living expenses and other related learning expenses required by students during their study; The loan application form approved by the introducer, the poverty certificate or the relevant certificate of the police station or neighborhood Committee where the household registration is located.

(4) Students who meet the requirements of the loan bank and their moral performance prove that there is no bad credit behavior.

(5) Other conditions stipulated by the lending bank;

(6) Fill in "Institution"

Application form.

note:

Belongs to nothing.

Schools only need to apply every year.

Analyze and check the family background, basic information and students' situation of poor students. Schools with loan conditions will directly hand them over to banks, which will then grant loans to students.

Question 4: Can college students borrow money to study? When they went to college, the school had a student loan, which was interest-free. It will take three to five years to pay them off completely until they graduate and have jobs.

In addition to universities, you apply for student loans and then apply for grants.

Then study hard every year to get scholarships, as well as school canteen meal card subsidies, and then live a prosperous life.

Let me do the math for you. Take our school as an example (two ordinary books)

First-class grant 4000

First-class scholarship, 1200, national inspirational scholarship 5000, national scholarship 8000.

So just study hard, be a good person and take part in more activities.

Then the university can get a certain scholarship, second-class or third-class, or reduce tuition fees (public)

First-class scholarship plus national inspirational scholarship (every year)

Get a national scholarship (as if only once)

If you have made outstanding achievements and made contributions, you can directly apply for annual tuition fees, then the scholarships you get are all recipients and family subsidies.

Question 5: How do poor college students apply for loans to go to school? That is, the actual situation of family difficulties. Go to the local area to get a certificate, and just get it from the school.

The information required by each school may be different, so it is best to consult the specific methods of the school first.

This is generally easy to approve, don't worry!

Question 6: How do college students borrow money to study? If conditions permit, I suggest you go back to your hometown to apply for a student loan.

Question 7: How do college students borrow money to study? Preparation materials: 1. "Approval Form for Self-employment of College Graduates"; 2. Original and photocopy of graduation certificate; 3. The original and photocopy of my ID card; 4. Registration card; 5. Two one-inch photos; 6. My file needs to be submitted to the Graduation Office of the Personnel Bureau; 7. Documentary proof of repayment ability such as personal or family income and property status of college students' entrepreneurial loan applicants; 8. Identity documents of college students' entrepreneurial loan applicants and their spouses (including the original resident identity card, household registration book or other valid residence permit) and proof of marital status; 9. Guarantee materials for college students' entrepreneurial loan applicants: the ownership certificate and list of collateral or pledge, the certificate that the authorized disposition agrees to mortgage (pledge), and the appraisal report of mortgage (pledge) issued by the appraisal department recognized by the bank. 10. The business license of the applicant for college students' entrepreneurial loan and the business license of related industries, relevant agreements, contracts or other loan purposes;

Application conditions:

1, fresh graduate, graduated within two years; 2. College degree or above;

3. 18 years old or older;

4. After graduation, he has not been employed for more than 6 months, and has registered unemployment in the local labor and social security department.

Application process:

Graduates first apply to the local people's social security bureau for small secured loans, fill in the Pre-examination Form for Small Secured Loans for Laid-off Workers, and then submit their identity documents, employment unemployment registration certificates, pre-examination forms for small secured loans for laid-off workers and a copy of their business licenses to the banks that handle small secured loans. After the bank approves the loan, it will sign the loan contract and guarantee contract with the borrower in person, and the bank will generally give a reply within 5 working days after submitting the information.

1. accepted. The applicant applies to the management service center of the College Students Pioneer Park, and submits relevant application materials, and the management service center of the College Students Pioneer Park conducts preliminary examination;

2. review. The personnel bureau, in conjunction with the Finance Bureau and other relevant departments, will review the information of the object of applying for commercial loan discount according to factors such as industry orientation, enterprise scale, employment number, registered capital, profits and taxes, and verify the discount amount;

3. publicity. The commercial loan discount object and discount amount approved by the review shall be publicized by the Personnel Bureau and the unit or community where the applicant belongs, and the publicity period shall be 5 working days;

4. approval. If there is no objection after publicity, the Personnel Bureau will issue a notice of approval;

5. payment. According to the examination and approval notice of the relevant departments, after the discount object provides the interest payment voucher, the Finance Bureau will allocate funds from the special fund for supporting college students' self-employment.

Question 8: How do college students borrow money to study? Get your ID card and student ID card ready, and then find a good institution to handle it easily.

Question 9: Can college students borrow money to study? Of course.

The student loan processing flow is as follows:

1. loan acceptance department: the student financial assistance management department of the education bureau of the county (city, district) to which the borrower belongs.

2. Preparation materials: After preparing the above-mentioned poverty proof materials, identity proof materials and passbook of the Postal Savings Bank, register with the student financial assistance management department of the county (city, district) Education Bureau and receive the Application Form for Student Credit Loan of China Development Bank (hereinafter referred to as the application form). The borrower needs to complete the application form and seal it completely.

3. Review materials: The borrower and * * * together with the borrower go to the student financial assistance management department of the county (city, district) Education Bureau where the form is registered and received, and issue identification materials (including the borrower and * * * together with the borrower's ID card and photocopy, student ID card or admission notice and household registration book) in duplicate, with the application form and postal account number, and the staff of the student financial assistance management department of the county Education Bureau will review the materials.

4. Signing: The borrower and * * * sign the Loan Contract of Student-origin Credit Student Loan of China Development Bank with the borrower himself, and authorize the Postal Savings Bank to deduct the loan principal and interest from the above account. Special reminder, please fill in the passbook account number in the contract, and the account number must be filled in accurately. If the loan cannot be remitted due to the wrong filling, the responsibility shall be borne by the student himself.

5. Return the receipt of the contract: After the loan contract is signed, students can report to the university with the contract. From 20 1 1, students only need to go to the university financial aid center to handle the electronic receipt, instead of mailing the paper receipt. If the student financial assistance management department of the Education Bureau does not receive the receipt within 30 days after registration (no later than 65438+1October 30), it is deemed that the student has cancelled the loan application.

6. Loan issuance and payment: According to the contract, the Postal Savings Bank will issue loans on the date agreed in the contract and wire the loan funds to the designated account of the borrower's university.

7. Repaying the loan: After the borrower graduates, the students and the borrower are responsible for depositing the full amount of funds into the personal account on time according to the loan contract; The agent settlement bank deducts the corresponding amount from the student's personal account according to the deduction schedule provided by the district funding center.

Question 10: How do college students borrow money to study? If you have a college loan, ask your counselor, don't do it yourself in society, you will lose money.

How do college students borrow money to study?

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 study?

1. Application conditions The national student loan is applicable to full-time undergraduate students with real financial difficulties in institutions of higher learning in People's Republic of China (PRC) (excluding Hong Kong Special Administrative Region, Macau and Taiwan Province Province). At the same time, students applying for loans should also meet the following conditions: ① having full capacity for civil conduct (minors must obtain the written consent of their legal guardians); (2) Abide by the law and have no illegal acts; ③ Good academic performance; (4) The income earned during the school period is not enough to cover the basic expenses (including tuition and basic living expenses) needed to complete their studies; ⑤ Honesty and trustworthiness; ⑥ Can provide guarantees that meet the requirements of banks; ⑦ Opening current savings business in ICBC; Meet other conditions stipulated in the Trial Measures for the Administration of National Student Loans of Industrial and Commercial Bank of China.

2. Application Procedures Students who apply for loans should apply for loans to their schools with their valid certificates before and after the start of the new school year 10 days (loan applications should be submitted directly to the relevant departments of their schools, and banks do not directly accept students' personal loan applications), receive the National Student Loan Application Form, the National Student Loan Application Commitment and other related materials, and fill them out truthfully. According to the difficulties of students and the loan amount determined by the state, the school will examine the qualifications of students applying for loans, and after sending them to the handling bank for approval, the bank will sign a loan contract with the students. For some students whose families are particularly difficult and unable to provide guarantee, they can apply for loans for poor students. After the school reports to the student loan management department for examination and approval, the handling bank shall handle the loan formalities according to the regulations.

Students applying for loans must also truthfully provide the following materials:

(1) My valid ID card and its copy (minors must provide the valid ID card of the legal guardian and written proof of agreeing to the loan)

(2) provide proof of income of major family members or income obtained through other channels.

(3) If the guarantor is a natural person, provide the guarantor's household registration book, valid identity certificate and its copy, work unit, contact information, proof of income and proof of agreeing to guarantee for the borrower; Where an enterprise as a legal person is used as a guarantee, a copy of the guarantor's business license as an enterprise as a legal person, the financial statements of the latest year and the certificate of agreeing to guarantee the borrower shall be provided; If pledge is adopted, a pledge list shall be provided. Where mortgage guarantee is adopted, materials such as a list of collateral and proof of ownership of collateral shall be provided.