The process for college students to apply for student loans is mainly as follows:

1, bring the admission notice (non-freshmen can bring their student ID cards) and materials that need to be prepared in advance, find the local education service window to handle this business, declare your reasons, and then start processing.

2. Fill in the basic information and determine the loan amount. The specific operation method is very simple, just follow the tips of the staff step by step.

3. If it is convenient for high school graduates to apply, they only need to bring relevant information and apply with the agent.

4. If you are a college student who is already studying, you need to print a list and stamp it at any unit in the village committee, township or street. After that, the processing steps are the same as those of fresh graduates.

Second, the problem of student loans for college students.

There are two kinds of student loans for college students: national student loans and student credit student loans. But only one kind of loan is allowed. All of them can be paid off, with a maximum loan of 6000 yuan 14 years, and no interest will be paid during school. Those who have just been admitted but have not yet reported for duty can apply for student-origin credit loan. Ask the assistance center of the district (county) Education Bureau for the "Application Form for Student-origin Credit Student Loan of China Development Bank" and the instructions for handling it. Please follow the instructions.

Students can apply for national student loans, and the application process is as follows: students apply → the school conducts preliminary examination → the bank conducts examination and approval → both parties sign a contract → the bank issues loans → the loans are repaid after graduation.

Note: Banks do not directly accept students' loan applications. Students who apply for loans must apply for loans to the designated department of their school within 10 days before and after the start of the new school year, and receive and truthfully fill out the Application Form for National Student Loan, the Commitment Letter for Applying for National Student Loan and other related materials.

Third, what are the disadvantages of college students' loans?

The disadvantage of college student loan is that students' failure to repay on time will affect their credit, because the credit information systems of China Development Bank and China People's Bank are networked, and student loan information will be recorded.

However, as long as students can repay their loans on time, student loans have no disadvantages, only benefits. The advantages are:

1, discount during school. Students don't have to repay the principal during their study in school, and the loan interest is subsidized by the government, so they don't have to repay it themselves;

There is a grace period of three years to repay the principal. Students only need to repay the loan interest in the first three years after graduation and the principal in the fourth year. Moreover, within three years of graduation, students should have found a job and have the ability to repay;

3. Low interest. The interest on student loans is subject to the benchmark interest rate of the People's Bank of China, and does not float.

Extended data

The Notice on Adjusting and Perfecting the Relevant Policies of National Student Loans stipulates that:

Article 1 The grace period for repaying the principal of student loans. The grace period for repaying student loans is extended from 3 years to 5 years.

Article 2 Term of student loan. The term of student loan is adjusted from academic system plus 13 to academic system plus 15, with a maximum of 22 years.

Article 3 Interest rate of student loans. From June 65438+1 October1day, 2020, the interest rate of new student loans will be lowered by 30 basis points according to the market quotation (LPR) of loans of the same grade in the same period.

Four, after graduation, the repayment of student loans?

If you can apply for an extension, the interest will be calculated from the time you leave school.

After you graduate from graduate school, you should be able to go through the formalities of loan extension according to the regulations. After going through the extension formalities, repayment will be started, and there is no need to repay within two years. Don't stipulate (for example, the loan for graduate students must also be handled by the bank), specifically the teachers you can pay. If you can't apply for an extension, you will start to repay normally in the second half of the year after graduation.