1.？ Poor families should write an application for family poverty to the neighborhood Committee (village Committee) where they live, and provide relevant supporting materials 1.
2.？ The neighborhood committee (village committee) of the community where it is located shall sign an opinion and affix its official seal if the situation is true.
3.？ Send the personal application with the official seal of the community neighborhood committee (village committee) and relevant certification materials to the sub-district office (township government) for investigation and review, and sign the opinions and affix the official seal if the situation is true.
4.？ The personal application and relevant certification materials stamped by community neighborhood committees (village committees) and sub-district offices (township governments) will be sent to the county-level civil affairs departments, which will sign their opinions and affix their official seals after examination.
The specific procedures may vary from region to region. Please follow the specific local regulations 1.
1, loan term
The term of the national student loan was changed from the original "academic system plus 6 years, with a maximum of 13 years" to "academic system plus 13 years, with a maximum of 20 years".
2. Grace period for repayment
According to the original policy, borrowing students need to bear the interest and start repayment after graduation, but there is a grace period of two years, during which borrowing students only need to repay the interest, not the principal. Now this grace period is adjusted from two years to three years.
3. Interest subsidy
The loan interest of the borrowing students during their normal school days is fully subsidized by the finance. After graduation, those who continue to study for a degree during the repayment period may apply for continuing the discount, but they need to provide written proof to the agency in time. After the audit, it will be reported to the agency for confirmation, and the loan interest during the period of continuing to study for a degree will be fully subsidized by the original discount finance department.
In addition, if the borrowing students drop out of school due to illness and other reasons, they should provide written proof to the handling agency, and then the handling agency will apply to the handling bank. After approval, the loan interest during the suspension period will also be fully subsidized by the government.
4. Loan compensation
Borrowing students who have lost their ability to work due to illness, their families have suffered from major natural disasters, their family members have suffered from major diseases, and their economic income is particularly low. If they are really unable to repay the loan, they can apply for assistance from this institution and provide relevant written proof. After verification, they can start the aid mechanism to compensate their principal and interest.