Yes, there are several repayment methods for national student loans for college students.

(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) Depending on its performance, the unit where the graduates work decides to reduce or exempt the loan repayment;

(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. Can I apply for a college student loan one year after graduating from college?

The applicable application conditions are 1, college degree or above; 2. Not employed for more than 6 months after graduation, and registered as unemployed in the local labor and social security department; When applying for this kind of loan, three points are more important: First, the loan applicant must have a fixed residence or business premises. Second, business license and business license, stable income and ability to repay principal and interest; The third and most important point is that the projects invested by entrepreneurs already have their own funds. Only those who meet the above conditions can apply to the bank. The materials to be provided at the time of application mainly include: proof of marital status, proof of repayment ability such as personal or family income and property status; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the appraisal report of collateral (pledge) issued by the appraisal department recognized by the bank. In addition to written materials, there must be collateral. There are many mortgage methods, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity, qualified guarantor guarantee, etc. The payment amount is determined according to the specific guarantee method.

3. Can I apply for a college student loan one year after graduating from college?

can

It's been one year since I graduated from college, and I'm ready to quit my job and start a business. Can I still apply for a college student entrepreneurship loan at this time?

Application conditions for college students' entrepreneurial loans:

1, college degree or above;

2. Unemployed within 2 years after graduation, and registered as unemployed in the local labor and social security department;

In addition, there are three more important points: first, the loan applicant must have a fixed residence or business premises. Second, business license and business license, stable income and ability to repay principal and interest; The third and most important point is that the projects invested by entrepreneurs already have their own funds.

Only those who meet the above conditions can apply to the bank. The materials to be provided at the time of application mainly include: proof of marital status, proof of repayment ability such as personal or family income and property status; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the appraisal report of collateral (pledge) issued by the appraisal department recognized by the bank.