The longest is not more than 22 years. The latest regulation of student-origin student loan: the loan period is academic system plus 15 years, and the longest is no more than 22 years. The grace period is 5 years. The policy will be implemented in 2020. For the new contract in 2020, the grace period for repaying the principal is 5 years. Stock contracts before 2020, student loan contracts that have not started to repay the principal (that is, loans that students have not graduated or have graduated but have not started to repay the principal) can be applied by borrowing students, and the grace period can be extended to 5 years within the loan period agreed in the original contract.

Second, how many years is the college student loan?

Three years, six years

3. Does the student loan have interest for several years?

It is not entirely correct to say that student loans are filled with interest for several years.

Because the term of the student loan includes your four-year undergraduate time, and the interest on the four-year undergraduate time is subsidized by the state, not for you to pay back. So the time you really need to pay interest needs to subtract four years from your fixed number of years.

4. When is the best application period for student-origin student loan?

The loan period of student-origin student loan is determined according to the length of schooling plus 13 years, with a maximum of 20 years and a minimum of 6 years.

After the loan applicant applies for a student loan from the student's place of origin, all the interest during the study period will be subsidized by the financial department.

If the applicant chooses not to continue his degree in the year of graduation, he only needs to repay the interest within a grace period of three years. If there is no special reason, he will begin to repay the principal and interest in the fourth year of graduation.

After graduation, if you choose to continue studying during the repayment period, you should apply to the county-level funding center in time and provide written proof. After approval, the applicant can continue to enjoy the discount and a three-year grace period for repaying the principal.