There are two ways to repay the student loan: repayment

Details are as follows:

1) to the online service system for college students' loans issued by the issuing bank, and then carry out Alipay real-name authentication, bind personal mobile phones (convenient for mobile phone payment, mobile phone password retrieval and loan due reminder of the amount to be credited to the bank card, and then students need to recharge Alipay in time and check the repayment situation in time. The steps are as follows:

1. First, log on to the website of China Development Bank.

2. Transfer the money to Alipay, the amount is slightly higher than the due amount! Then log in to the computer version of Alipay, you must log in to the computer (you can't operate it on your mobile phone).

3. Then click "Application Center Service" in the upper right corner of Alipay homepage.

4. Then drop down the page to the right, find the "student loan repayment" under the public welfare loan, and then click "I want to use it"

5, and then in the "student loan repayment"

6. Enter the verification code in the entered interface, and then click "Query Loan Information".

7. Then enter the repayment information interface, and you can see the payable amount. Click "Confirm Repayment" at this time.

8. Enter the payment password of Alipay, and the repayment is successful, and the success interface will pop up. Operating environment:

Brand model: Lenovo notebook computer Xiao Xin Air 15 Ruilong Edition

System version: Windows 1 1

browser

Browser version: 87.0.4280.88

2) Bank repayment: The borrower needs to bring all the materials for handling the student loan, as well as his ID card and bank card, hold and fill out the application form, and then go to the counter to handle the repayment procedures. It should be noted that the borrower should remember to submit the repayment voucher to the relevant person in charge.

Extended data:

I. Student-origin student loan

At present, in the loan contract signed between China Development Bank and students, there is no clear agreement on the time when funds will be transferred to students' accounts. However, according to the application process of student-origin student loan, it should be about 1 1. However, the arrival time of the money does not affect the enrollment of the loan students, and it is only necessary to explain the situation to the school when registering.

Second, the national student loan

Those who apply for a student loan in this academic year will sign a contract with the borrower within 0 working days after the loan, and the time is about165438+1mid-October.

If you apply for a student loan every academic year, the loan amount will be transferred to the Alipay account of the loan student, so you don't need to reapply in the second year, and the review will be much simpler. You mainly pay attention to the school performance and test scores of the loan student, so you will receive a loan amount in the middle of 10.

Third, the student loan application process

Student loans are mainly aimed at undergraduates, master students and second bachelor students with financial difficulties. After school starts in September every year, you can apply. The specific process is as follows:

1. Prepare loan-related materials, including but not limited to student ID card, ID card, proof of family financial difficulties and other materials.

2. China Development Bank student loan information online registration personal information, and then enter the "loan application" module, click "export loan application form".

3. Fill out the application form and go to the village committee or the township civil affairs department to stamp it.

4. Submit the application form and confirm the loan amount. In principle, the loan amount per person per year does not exceed 6,000 yuan, which is mainly used for tuition and accommodation.

5. The school will review the loan student information, seal it after confirmation, and the lender will conduct the final review.

6, after the success of the audit, the loan.

Second, how to repay the student loan

There are two repayment methods for student loans: Alipay repayment and bank repayment. 1. Alipay repayment: deposit the repayment funds into the designated Alipay account before the repayment date, and the system will automatically deduct the money on the repayment date. 2. Bank repayment: Prepare all materials when handling the student loan, including loan contract, ID card, bank card, etc. , and then repay at the bank counter. All loans are interest-free while students are at school, and the bank will charge interest according to the bank interest rate after graduation. So the sooner you repay the loan, you can pay less interest. Alipay repays the student loan of China Development Bank in advance before 10 every month. Login for Apple 12, ios 14, Alipay version 10.2.3 —— The student loan information network of China Development Bank found the platform for personal account login on the visited pages, entered the account number, password and verification code, and then logged in. Find the application for prepayment and apply for prepayment as required. The application date for prepayment is from June 1 day to June1day (except June 1 1 day). If advance payment is required, please click the "Add" button to enter a new advance payment page. 2. In the new page, select the corresponding contract number, and the information to be filled in will be displayed. After confirming the information, click "Submit" to complete the new operation. 3. If you use Alipay for repayment, please log in to Alipay system to recharge your Alipay account. 4. After the accounting processing cycle is 10 every month, the payment will be automatically deducted from Alipay on the 20th of each month. The repayment information may not be updated in time. Please check the exact repayment results in the system at the beginning of next month. 5. After applying for prepayment, please ensure that the balance of your repayment account is sufficient. Whether the repayment is successful or not, please log in to the system at the beginning of next month and check the "Application for Early Repayment". If the advance payment is unsuccessful, please reapply. For specific repayment records, please check your loan background repayment records. Bank repayment 1. Before you go to the bank, you must bring all the materials for student loans, as well as your ID card and bank card. The most important bank card password must be remembered, otherwise it will bring more trouble to your handling process; 2. After entering the bank, queue up to get the number, then get the application form from the staff and fill in all the contents in detail; 3. Go to the counter to handle the loan repayment procedures; 4. Send the repayment voucher to the relevant person in charge.

Third, how to repay the student loan.

Interest is calculated after graduation, and the interest during your school days is subsidized by the state, so you don't have to pay it. As for how to repay after graduation, there are several options, depending on the implementation of each school. If you are not sure whether you can get income after graduation, you can pay interest first and then repay the principal and interest later; If your monthly income is enough to pay the principal and interest after graduation, then you will pay the principal and interest every month; If your family can pay back the money now, you can also pay it off before graduation without paying interest; Some schools require that loans be paid off in one lump sum after graduation, rather than monthly. Monthly repayment is divided into equal principal repayment and equal principal and interest repayment. Generally, for your own convenience, you don't need to calculate the monthly repayment amount, and you use the equal principal and interest repayment method. Before each school graduates, the corresponding business department of the bank and the student loan management department of the school will hold a special meeting for students who have applied for student loans. I suggest you listen carefully. There will be very specific and detailed arrangements. Don't just listen to others, each school has different implementation regulations, that is, the regulations of the same school in different years are different. Different banks also have different regulations (different banks are responsible for student loans from different schools, and different banks may be responsible for student loans from the same school in different periods). You'd better go to the hearing yourself. If you miss the meeting because of graduation project or work, you can go to the school's student loan management department or consult the bank. Those who have applied for student loans have been included in the national credit information system. The repayment of student loans may affect your credit history. If you want to do mortgage, car loan and loan business in the future, you will be in trouble! Bad credit records will follow you for many years! So I suggest you find out for yourself, and don't listen to others too much, so as not to delay yourself.

Fourth, 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 into the system to inquire about the principal and interest that the students should repay, during the period from 1 to 10 every month, the students log in to Alipay website and enter the 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 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.