1. How to apply for a student loan When applying for a loan, students should apply to the school loan examination and approval authority and provide necessary information about their family economic situation (generally including my written application, family economic situation questionnaire, proof of difficulties above street level, guarantor guarantee and its actual performance, etc.). ), promise the repayment liability clause, and provide the repayment guarantor. At present, the actual amount of college student loans is generally above 1000 yuan per year. Repayment form of student loan: (1) Before graduation, students will pay off in one lump sum or in installments; (2) After graduation, the work unit will return all the loans to the loan issuing department; (3) After the probation period expires, graduates will be deducted from their wages month by month within two to five years; (4) Graduates' work units can decide to reduce the early repayment according to their work performance; (5) For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, the parents of the students are responsible for returning all the loans. 2. How to apply for a national student loan: Full-time undergraduates, junior college students and graduate students studying in institutions of higher learning in People's Republic of China (PRC) (excluding Hong Kong Special Administrative Region, Macao Special Administrative Region and Taiwan Province Province) have real financial difficulties. Students applying for national student loans should meet the following conditions: ① they have full capacity for civil conduct (minors must have the written consent of their legal guardians); 2. Honest and trustworthy, law-abiding, no violations of laws and regulations; (3) Good academic performance and normal completion of studies; (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 Strictly abide by the regulations of the state, the handling bank and the national student loan, promise to use the loan correctly and fulfill the repayment obligation according to the regulations; ⑥ Meet other conditions stipulated in the General Rules for Loans published by the People's Bank of China. Application procedure: the bank does not directly accept the loan application of students at school. Students who apply for a loan must apply for a loan at the designated department (usually the student office) of their school within 10 days before and after the start of the new school year, and receive and truthfully fill out the Application Form for National Student Loan, the Commitment Letter for Applying for National Student Loan and other related materials. The national student loan interest rate shall be implemented in accordance with the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies. 50% of the interest on the national student loan borrowed by students is subsidized by the state finance, and 50% is borne by the borrowing students. Borrowing students and the handling bank should agree on the repayment method and time when signing the loan contract. Flexible repayment of principal and interest can be used to repay the loan in advance, or the interest can be paid off with the principal, or it can be repaid by stages (yearly, quarterly and monthly). The specific repayment method shall be agreed by the lender and the borrower and included in the contract. The repayment time starts from the first year after graduation at the latest. The principal and interest borrowed by students should be paid off within 4 years after graduation. With the consent of the lending bank, the national student loan can be extended, but the state will no longer give interest subsidies after it is overdue. Every region, every province and every school is different for reference only.