Advantages: It can provide studies for students who are admitted to universities and have difficulties in life. Disadvantages: no interest. Some students may have moral problems and find jobs after graduation. They have the ability to repay the loan, but they just don't change.

II. 202 1 College Student Loan

Help graduates with financial difficulties. A few days ago, the Ministry of Finance and the Ministry of Education jointly issued a notice to ease employment pressure. It is clear that students who have graduate loans before 2023 should repay the principal of the national student loan in 2023, and students can apply for repayment for one year independently. Deferred loans are not restricted by interest and compound interest. The risk level will not be reduced for the time being. Click jump to view. The student online system of China Development Bank formally applied for student extension. Let's see how it works. 1. Application Processing Time and DeadlineNo. The repayment date agreed in the contract (1) 2022/ 8/312022/716 (student loan) 2022/8/ 16 (university campus loan) 2022/ 2932022/9/2042022/9/2152022/1312022/9/2962022/10/22. The loan contract beyond the application period cannot be extended. Two. Principal Extension Application-Operation (1) Log in to the online student system, click "Principal Extension" in the menu bar, and check the policy prompt box. Set the button "I have read and fully understood the above policies and related definitions" at the bottom of the prompt box; Subject Extension-Menu Bar-Policy Prompt Pop-up Box (2) Click "I have read and fully understood the above policies and related definitions" to jump to display the list of non-renewed contracts. The button "Extension Application" is displayed below the list of contracts that have not been extended; Whether the main use contract is extended or not (3) Click the "Extension Application" button and tick the "Application Form for Repayment Extension". The application form shows the change data of the repayment plan of the extended contract, and the buttons of "Agree" and "Disagree" are set at the bottom; Extension of the main application form (4) Click the "Agree" button after confirmation, and the password verification box will pop up, and the user will enter the login password and graphic verification code; Master password verification extension (5) Click Submit, and the customer's extension application is submitted successfully, and a list of contracts that have applied for extension will be displayed. The main contract has been extended. (6) After the student submits the principal's application for extension, it will take effect on the same day without approval. Students who have applied for "deferred repayment of principal" may not cancel the extension application, but may apply for early repayment within the extension period. If there are multiple student loan contracts under the name of the borrowing student, they should apply together through the student online system, and no later than the deadline for applying for the earliest contract. The loan contract that exceeds the application period shall not be applied. Three. Principal Extension Application-Query the users who have applied for principal extension, and click the "Principal Extension" menu to pop up the list of contracts that have applied for extension. Are all the students clear? If in doubt, call China Development Bank. Revision: Q&A in lin li and Chen Wanping: Can I apply for early repayment of the national student loan in February 65438? If the national student loan can be applied for prepayment in February, 65438, after submitting the prepayment application, the full amount of funds should be recharged to the student Alipay account on June 15, and then the system will deduct the money on the 20th day of the prepayment month. Application time for prepayment: every month (excluding 1 1 month) 1 day to1day (inclusive). Time for prepayment and recharge: the application month is 1 1 -20 (inclusive). It is recommended to complete the recharge operation before 15. Time of prepayment deduction: the prepayment deduction date is the 20th day of the month of application. The national student loan supports early repayment. Students who want to prepay must remember to submit an application for prepayment. Because of the use of prepayment, it actually changed the repayment method in the loan contract and needed to apply. You don't need any regular loans, just pay in advance. Operation process of prepayment of national student loan: 1. Log in to the student (university) online service system and select the loan type to log in. 2. After logging in successfully, click the prepayment application on the left. 3. Click Add to open the prepayment application dialog box. 4. Click Select Contract to view the loan contract record. The system will calculate the repayment date, principal and interest to be repaid, and click OK to save the prepayment application. 5. If the prepayment intention changes, you can also select the record and click Delete below, and the prepayment application will be cancelled. Everyone should pay attention that if you want to repay in advance, you must not miss the application date. Because the application time and prepayment time are corresponding, if prepayment is to be made in the current month, the prepayment application must be submitted from 1 to 10 in the current month. At the same time, because June 5438+065438+1October is the system interest settlement time, prepayment is not supported.

Third, how to apply for a student loan when you get to the university?

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. The national student loan is a bank loan led by the government, subsidized by the government, and operated by banks, education administrative departments and universities to help poor students in colleges and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. 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. The objects of national student loans are: poor college students; The characteristics are: financial discount; (1) The borrower only needs to bear 50% of the interest, and the remaining 50% will be paid by the finance. (2) Poor student loan borrowers do not need to provide guarantees. (3) The loan term is long, up to 9 years. (4) It is very convenient for borrowers to apply for loans from their universities. The loan was issued in accordance with the National Student Loan Management Regulations (Trial) issued by the People's Bank of China, the Ministry of Education and the Ministry of Finance in May this year. China Industrial and Commercial Bank is the first and only bank in the State Council to handle national student loans. The condition is: in the face of direct payment from colleges and universities, there is no restriction on student accounts. Which universities have carried out the work of national student loans? Public full-time colleges and universities should actively implement the national student loan policy and jointly handle the national student loan for students from poor families in colleges and universities with cooperative banks. In addition, some private colleges and universities have launched national student loans, and students should pay attention to the relevant instructions in the school enrollment brochure or admission notice. What are the general requirements for applying for a national student loan? 1. Full-time undergraduates (including higher vocational students), postgraduates and second bachelor's degree students with financial difficulties; 2. Have People's Republic of China (PRC) nationality and hold People's Republic of China (PRC) identity card; 3. Have 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; 6. Due to the family's financial difficulties, the income earned during the school period is not enough to cover the basic expenses (including tuition, accommodation and basic living expenses) needed to complete their studies. How many national student loans can students apply for each academic year? The maximum loan amount per student per academic year does not exceed 6000 yuan. How to apply for a national student loan Generally speaking, students from poor families need to apply for a national student loan from a local bank through their school. In principle, students apply once during their school days, and the bank issues national student loans by stages. What materials do students who apply for national student loans usually need to provide? 1. Apply for a national student loan; 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. Who will review and approve students' applications for national student loans? The relevant departments of the school are responsible for the qualification examination of students applying for national student loans and checking the authenticity and completeness of the materials submitted by students; The bank is responsible for the final examination and approval of student loan applications. How to sign a national student loan contract with the handling bank? After the student loan application has passed the examination and approval of the school and the bank, the school will organize students to fill in and sign loan contracts and IOUs. The school shall promptly notify the parents or legal guardians of the loan student's application or loan information.