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Second, how to apply for student loans?
Legal analysis: student loans can be handled in local departments or in schools. Different channels have different treatment methods, so users need to know clearly in advance. No matter where users apply for student loans, students must receive the Application Form for Identification of Students with Family Financial Difficulties as the basis for identifying family financial difficulties and applying for distribution.
Legal basis: Article 9 of the Education Law of the People's Republic of China. The people and citizens of China have the right and obligation to receive education. Citizens, regardless of nationality, race, sex, occupation, property status, religious beliefs, etc. , enjoy equal opportunities for education according to law.
Third, how to handle the student loan for college students in Jiangsu?
The time should be fixed as soon as possible before the school officially starts. Every bank is different. . The customer service girl will be very careful what she says. Personally, I suggest applying for loans from China Bank and China Construction Bank. But only if you have the ability and want to return it. Fame is a lifetime thing. Although the money may be his, you can't help it. But it will be very difficult for you to apply for a credit card or something in the future. I hope the information in the bank will help you how to apply for a student loan. Students applying for loans should apply to the school loan examination and approval authority, and provide their own and their families' written applications, proof of family financial difficulties, guarantor's guarantee and repayment responsibility clauses, and provide repayment guarantors. At present, the actual amount of college student loans is generally above 1000 yuan per year. Repayment form of student loan: (1 time; (2) After graduation, the work unit will return all the loans to the loan issuing department; (3) During the completion period, the employer will deduct it from his salary month by month; (4) Graduates' work units decide to reduce or exempt students who have repaid their loans, depending on their work performance. Parents of students who violate national laws, study or drop out of school voluntarily should be responsible for returning all loans. 2. How to apply for a national student loan Applicable to students and graduate students majoring in economics 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). Students applying for national student loans should meet the following conditions: ① A complete written consent from the legal guardian; 2. Honest and trustworthy, law-abiding, no illegal behavior; (3) good academic performance, and the income that can be obtained in the future is not enough to cover expenses and basic living expenses); ⑤ Strictly abide by the regulations of the state, the handling bank and the national student loan, 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 applying for loans must submit loan applications to their schools with their valid certificates before and after the start of the new school year 10 days, and receive and truthfully fill out the Application Form for National Student Loan and the Application Form for National Student Loan. National student loan interest rate and the implementation of relevant national interest rate policies. 50% of the national interest subsidy borrowed by students is handled by the loan school, and the bank signs the loan. Adopt flexible repayment of principal and interest, or pay by installments (agreed by year, quarter or month and included in the contract. The repayment time starts from the first year after graduation at the latest. Learn to give. 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.