Yes, but you must choose a formal banking institution. Now CCTV has been broadcasting campus loans, so be careful.

Second, how to get a university loan?

The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy. Borrowing students apply for loans from the bank through the school to make up for the lack of tuition, accommodation and living expenses during their studies at school, and repay them in installments after graduation.

1. Full-time undergraduates (including vocational college students), second-degree students and graduate students in ordinary colleges and universities may apply for national student loans if they meet the following conditions:

(1) Family financial difficulties;

(2) Persons with China nationality and 16 years of age or older must hold Chinese identity cards;

(3) Having full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians);

(4) Honest and trustworthy, law-abiding, no illegal behavior;

(5) study hard and be able to complete your studies normally.

After the beginning of the new school year, students apply for loans from banks through schools. The following materials are required:

(1) national student loan application;

(2) A copy of my student ID card and resident ID card (the minor provides a valid identity certificate of the legal guardian and a written opinion agreeing to apply for a loan);

(3) my explanation of the family's financial difficulties;

(4) Proof of family financial difficulties issued by the relevant department where the student's family is located.

3. Application amount:

In principle, full-time undergraduates should not exceed 8,000 yuan per academic year, and full-time postgraduates should not exceed12,000 yuan per academic year.

4. Loan approval:

The student financial assistance department of the school is responsible for the qualification examination of the national student loan application submitted by the students and checking the authenticity and completeness of the materials submitted by the students; The bank is responsible for the final examination and approval of student loan applications.

5. Loan issuance:

The national student loan is in the form of one application, one credit and installment payment, that is, students can sign loan contracts with the bank for multiple academic years at one time, but the bank will issue them in different years. In a school year, the bank should provide a one-time loan for tuition and accommodation.

6. Loan interest:

The national student loan interest rate is based on the benchmark interest rate of the same grade published by the People's Bank of China in the same period. The national student loan interest of the loan students during their study in school is all subsidized by the government, and the interest after graduation is paid in full by the loan students themselves.

7. Repayment period:

The maximum loan period is 20 years, with a grace period of 3 years. During the grace period, only the interest needs to be repaid, not the principal.

Extended data:

Consequences of default of national student loan:

1. If a student who borrows a national student loan fails to repay the loan within the time limit and amount stipulated in the repayment agreement signed with the handling bank, the handling bank will charge a penalty interest for the amount of default repayment;

2. The handling bank will enter the default information into the basic database of personal credit information of the People's Bank of China for all financial institutions in China to inquire according to law. Take restrictive measures against defaulting borrowers who maliciously default on loans and refuse to provide financial services such as housing loans and auto loans;

3. For borrowers who have seriously defaulted on repayment, relevant administrative departments and banks will announce their names, citizenship numbers, graduation schools and specific breach of contract through news media, internet and other information channels;

4. Lenders who seriously breach the contract will also bear relevant legal responsibilities.