The national student loan is an unsecured and unsecured credit student loan led by the government and provided by financial institutions to students with financial difficulties in colleges and universities, which is used to help solve the tuition and accommodation expenses of students during their school days. In principle, the loan amount shall not exceed 8,000 yuan per academic year, and the longest loan period shall not exceed 20 years. The national student loan interest rate shall be based on the benchmark interest rate of the same grade in the same period announced by the People's Bank of China, and shall not rise. The loan interest of the loan students during their school days is all subsidized by the finance, and the interest is paid by the students after graduation, and the principal is repaid as agreed.

1. Log in to the student online service system (), complete the registration and fill in the basic information of the individual and the borrower, submit the loan application, print the application form and sign it.

2. The system prompts the students who have passed the pre-application, prints the application form and signs it, and then uploads the loan application materials according to the system prompts.

3. Students who have not applied in advance, but really need to apply for student-origin credit student loans due to family financial difficulties, can fill out the Identification Form for Students with Family Financial Difficulties (downloaded from the system at the same time with the application form) according to the actual situation, and apply for loans as the basis for identifying family financial difficulties.

4. Students who need loans * * * The borrower shall go through the formalities with the following loan application materials at the Student Financial Assistance Center of the County Education Bureau where the household registration is located:

(1) Original ID cards and household registration books of the borrower and the borrower (if the borrower and the borrower are not in the same household registration book, the original household registration books of both parties are required);

(2) The original admission notice (or student ID card) or the online verification report of Xue Xin. com

(3) the application form of the China Development Bank's student credit student loan. Students who have not passed the pre-application should also bring the original identification form for students with financial difficulties in their families.

5. After the electronic contract is successfully processed and signed, the loan students report to the university with the acceptance certificate of the county-level student aid center, and the teacher of the student aid center in the university is invited to enter the electronic receipt, and the loan takes effect. The National Development Bank is responsible for the approval and issuance of the loan.

Second, how to handle the student loan for college students

I'm a senior student, and I've been in charge of student loans in my class. First of all, student loans include student-origin student loans and national student loans. Student-origin student loans can only be processed for one year at a time. After that, you need to get a receipt every year, and you need to issue a certificate of achievement to renew the loan in the student's hometown (if you need to continue the loan next year). It seems that the school failed, so I can't borrow it that year. Besides, I need to go to the relevant departments to go through the formalities. I went to the county seat to look everywhere, and there were many people waiting in line. The procedure is quite troublesome. It is not recommended to go to the place of origin. Later, my three years were all national student loans directly run by the school. The national student loan can be applied to the university for four years at one time, regardless of the middle, and will be repaid after graduation. The key is that you don't have to go through the formalities yourself, just hand over the materials to the college directly after the start of school. The specific materials will usually be in the mail of the university admission notice, so you should read it carefully. For your reference

3. What is the time limit for college students to apply for student loans?

Student loans are generally applied in June-August, and then wait until the students start school, that is, the application deadline is around the end of September (the specific deadline is subject to local universities).

There are four main forms of loans: national student loans; Student-origin credit student loan; Interest-free loans; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan.

Job requirements:

All regions should continue to vigorously promote the work of national student loans to meet the loan needs of college students and graduate students. The financial department should arrange the merger compensation funds in full. Handling banks and timely issuing state subsidies.

Colleges and universities should bear 50% of the risk compensation for national student loans in accordance with the requirements of the Notice of the Banking Regulatory Commission of the General Office of the State Council on Further Improving the Work of National Student Loans (Guo Ban Fa [2004] No.51), and cooperate with the handling bank to verify the tuition fees of students applying for loans.

Refer to the above content: Baidu Encyclopedia-Student Loan