The application process of college student loan: student application → school preliminary examination → bank approval → both parties sign a contract → bank issues a loan → repay the loan after graduation. There are four main forms of student loans for college students: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to issue interest-free loans to students; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student 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.

Second, how to handle the student loan process?

First, prepare the application materials.

1, national student loan application;

2. Copy of my student ID card and resident ID card (minors must provide valid identification of legal guardians and written consent to apply for loans);

3. I explain the family's financial difficulties;

4. Proof of family financial difficulties issued by the relevant department where the student's family is located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them.

Second, the approval

The relevant departments of the school are 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.

Third, the repayment method

1. Students should pay off in one lump sum or in installments before graduation;

2. After graduation, students can look at their liquidity to repay their loans;

3, graduates after the expiration of probation, in two to five years by the unit from their wages deducted monthly;

In the place where graduates work, according to their performance, they decide to reduce the loan repayment;

5. If the borrower is 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 shall be responsible for returning all the loans.

Four. Repayment operation

Borrowing students should confirm the repayment plan of the student loan with the bank when going through the graduation formalities. After graduation 1 year, you can apply to the bank to adjust the repayment plan. There are many ways to repay the principal and interest of student loans, which can be repaid in advance at one time or multiple times. If college students choose to repay the loan in advance, the handling bank will not charge any other fees except the interest payable.

Precautions:

1, full-time college students (including second bachelor's degree and higher vocational students, the same below) each apply for a loan amount of no more than 8,000 yuan per year; If the sum of tuition and accommodation fees is less than 8,000 yuan per year, the loan amount can be determined according to the sum of tuition and accommodation fees.

2. The loan amount for full-time graduate students shall not exceed12,000 yuan per person per year; If the sum of annual tuition and accommodation fees is less than 12000 yuan, the loan amount can be determined according to the sum of tuition and accommodation fees.

Third, how to apply for a student loan when you get to the university? What are the steps? Will it be troublesome?

Student loans can be applied once every academic year, and there is basically no obstacle to applying for sophomore and junior. The academic affairs office or the academic affairs office will make an announcement to the whole school when applying in that year. This kind of announcement will be posted on the bulletin board of the school, and the counselor will also inform it.