College student loans are interest-free loans for poor students in schools. Interest-free loans have solved the urgent need for poor college students to burn coal. The financial aid policy system for students from poor families in colleges and universities has been further improved, and the contradiction of insufficient financial aid in colleges and universities has been alleviated.

1, the current situation of college students' loans: At present, China has established and implemented a financial aid policy system for poor college students, including national scholarships, grants, college students' loans, tuition fee remission and other forms to solve the problems of tuition, accommodation and living expenses for poor college students after entering school. At the same time, China's colleges and universities have also set up a "green channel" to help poor students enter school smoothly.

2. The role of college students' loans: a "green channel" has been set up to help poor students enter school smoothly. The education department, the financial department and other departments jointly sponsored to subsidize eligible college students who are short of family funds and unable to complete their college studies, so that they can successfully pass higher education and export applied talents to the society. This way of helping students is to borrow money from the bank in the form of working for several years without interest during their study.

3, the influence of college students' loans:

Helping students establish the concept of self-reliance, urging students to study and work hard, and promoting the reform of quality education for college students.

It provides a social security mechanism for citizens to obtain fair and just educational opportunities.

It is an important measure for the state to use financial means to support the deepening reform of higher education system and promote the development of education in China.

Second, college students' loans.

There are four main forms of student loans for college students: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to issue interest-free loans to students; General commercial student loans. Among them, the national student loan has the largest scale and is the main student loan.

Third, college students' loans.

There are two kinds of student loans for college students: national student loans and student credit student loans. But only one kind of loan is allowed. All of them can be paid off, with a maximum loan of 6000 yuan 14 years, and no interest will be paid during school. Those who have just been admitted but have not yet reported for duty can apply for student-origin credit loan. Ask the assistance center of the district (county) Education Bureau for the "Application Form for Student-origin Credit Student Loan of China Development Bank" and the instructions for handling it. Please follow the instructions.

Students can apply for national student loans, and the application process is as follows: students apply → the school conducts preliminary examination → the bank conducts examination and approval → both parties sign a contract → the bank issues loans → the loans are repaid after graduation.

Note: Banks do not directly accept students' loan applications. Students who apply for loans must apply for loans to the designated department 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.