College students with financial difficulties can apply to the provincial branches of China Development Bank for a national student loan of up to 6,000 yuan each academic year. The education administrative departments of all provinces and autonomous regions have formally signed a cooperation agreement on the national student loan framework with the China Development Bank. Schools don't have to deal directly with banks.

First, the difference between the national student loan and the student-origin credit student loan. For a long time, the student loan work in Hunan universities has been agreed by universities and commercial banks. Commercial banks often impose strict requirements on the assets of schools, and it is difficult for schools that fail to meet the requirements to obtain loans; Moreover, the failure of students to repay student loans on time after graduation also makes commercial banks stay away from this form of loans. Because of the above reasons, more than 40 junior colleges and higher vocational colleges in Hunan Province have not received loans. At present, our school has not included the student loans from commercial banks. After cooperating with China Development Bank, the school will no longer negotiate and sign loans directly with the bank, but will hand over these tasks to the government student financial assistance management center for operation. Designated by the government, China Development Bank adopts the student-origin credit loan policy as the loan model. Two years after graduating from normal school, the loan students will repay the loan principal once a year at a specific time (see the sample table for details).

Second, the brief application procedure first write a certificate about family poverty, and then take it to the village Committee, township government and county civil affairs department to stamp it. This material is the third-level poverty certificate. If it is an urban hukou, it is generally stamped in the neighborhood Committee and the street office, and it is enough to have a certificate of secondary poverty. The Questionnaire on College Students and Their Families issued by the school can be truthfully filled in and stamped by the village committee, township government and county civil affairs department, and can be used as loan application materials. It can also be used as materials for applying for various grants in the future. Apply to the local county (district) student financial assistance management center. Submit the third-level poverty certificate and a copy of my and my parents' ID cards to the Student Financial Assistance Management Center to apply. During the military training of freshmen, they will receive the receipt of the national student loan contract and the school account from the grade office, and then give them to their families and transfer them to the local student financial assistance management center (which must be completed within 30 days). Students should report for the new school year within 20 days, and then give the contract receipt containing the loan school account to their families for forwarding or mailing to the local student financial assistance management center (which must be completed within 20 days). The next procedures, such as declaration, bank approval, etc. Students are not required to participate, and the student loan is directly transferred from the bank to the school account. The surplus of this loan after paying tuition fees can be used to pay students' living expenses. If you want to continue the loan in the second year, the procedure is the same, which will be much faster. Third, the nature of student loans. The creditor's rights of this student loan are only between China Development Bank and students and their families. If the students fail to repay their debts in time at the expiration of the contract, the National Development Bank will investigate the debtor's legal responsibility and credit responsibility; As a third party, the student financial aid management center in the origin (county level) examines and gives evidence of the students' financial situation. The whole process has nothing to do with the school. From your analysis, it is applicable: students should report for the new school year within 20 days, and then give the contract receipt containing the loan school account to their families to forward or mail it to the local student financial assistance management center (which must be completed within 20 days).

Second, what about student loans?

Student-origin student loan handling process:

1, processing flow of the first loan of student-origin student loan.

(1) Log in to the student online service system. China Development Bank Student Loan Information Network (www.csls.cdb.com.cn), registered student online service system (student origin).

(2) Fill in the application form. Fill in the application form online, print it after filling it out and sign it by the borrower himself.

(3) The application form is stamped with the official seal. The application form needs the official seal of the qualification examination unit.

(4) Students need to prepare the required materials. Application form signed and stamped by students, original and photocopy of borrower and borrower's ID card, copy of admission notice or student's ID card, and original household registration book.

(5) sign a contract. The borrower and * * * sign a contract with the borrower in the county-level funding center where the household registration is located, and receive the receipt.

(6) submit a receipt. Borrowers will give the receipt to the school and enter it into the system.

2. If you need to renew your loan, you can log in to the student online service, and you need to fill out a loan renewal statement and application form of about 200 words.

Third, what about the extra money from student loans? Can I withdraw cash like this!

In China, there are many financial aid policies that can help students with financial difficulties to complete their studies, and the student-origin loan is one of them. Student-origin student loans are specially designed to help college students. The loan amount can reach 8,000 yuan, while some friends' tuition and accommodation fees can't reach 8,000 yuan. Then, what about the extra money from the student loan? Today I'm going to talk to you about this problem.

The extra money in the student loan can be withdrawn, allowing students to use it for daily living expenses.

Channels for extracting the remaining funds from student-origin student loans:

1. Withdraw cash through the receiving bank card;

2. Withdraw the cash from the Alipay account given by the student-origin student loan.

Student-origin student loans are often paid to students' Alipay accounts. Here is how to use Alipay to withdraw the remaining money from student-origin student loans.

Alipay cash withdrawal steps:

1. Alipay account number obtained when everyone logs in to the student-origin student loan;

2. Add a bank card to bind the bank account with the Alipay account;

3. It is enough to withdraw the remaining money from the student loan in Alipay to the bank card.

Generally speaking, the extra money in the student loan can be used for living expenses during the study period, but it can't be used to buy luxury goods and high-end goods.

4. What is the process of applying for a student loan?

After the borrower logs into the student loan system of China Development Bank to apply for registration, the borrower and * * * together with the borrower (guardian or relative) bring their respective ID cards, household registration books, the original and photocopy of the admission notice to the financial aid management center of the local education bureau for handling. County-level student financial assistance center on-site audit related materials, confirm and enter other relevant information; Print and sign the loan contract, and submit the loan acceptance certificate and receipt to the students and bring them back to the funding department of the activity center for registration; After the receipt is stamped, it should be given to the students and sent (delivered) to Daxian Student Financial Assistance Center before the date indicated on the receipt.

Student-origin credit student loans are for undergraduates, postgraduates and students with second bachelor's degrees in full-time undergraduate colleges, higher vocational schools and junior colleges (the list of schools is subject to the announcement of the Ministry of Education).

The specific process of handling student loans is as follows:

1. Open and register the student online service system www.csls.cdb.com.cn, and log on to the student loan information network of China Development Bank.

2. Fill in and print the application form online in the system.

3, the application form stamped with the official seal of the qualification examination unit.

4. Students prepare the materials needed to apply for loans and go to the county-level financial aid center.

5. Sign a contract at the county-level funding center and get a receipt.

6. Submit the receipt to the school and enter it into the system.

Generally, student loan funds arrive at the end of June each year 1 1. From the third year after the borrower graduated, the borrower began to repay the principal and interest of the student-origin credit student loan in the way of equal cost repayment.