Although the living standards of most families have improved, for some poor areas, the cost of going to college is still a large cost. Some poor families can't afford to spend a year of College at once. The state has certain financial support for such families. At the same time, college students can also apply for student loans to reduce the burden on their families. So how to apply for student loans? This article arranges the methods and processes for college students to apply for student loans for your reference, hoping to help students in need.
1、 How to handle student loans for college students
1. College students applying for student loans shall be full-time junior college students, higher vocational students, graduate students or master students. They must be citizens of the people's Republic of China (except Hong Kong, Macao and Taiwan) and must have family economic difficulties.
2. The following conditions shall be met when applying for student loans: (1) he is a citizen of the people's Republic of China and has an ID card (if there is no ID card of a guardian); (2) Have full civil capacity (minors applying for national student loans must be approved in writing by their legal guardian); (3) Be honest and trustworthy, abide by discipline and law, and have no violations of law and discipline; (4) Be able to complete their studies normally; (5) The funds that can be raised due to the financial difficulties of the family are not enough to cover the basic expenses of study and life during their study in school (including tuition, accommodation and basic living expenses).
3. In the first few days after the beginning of the new semester, the students themselves directly apply to the special window of their school for student loans. They need the following materials:
(1) Application for national student loan; (2) Copy of student ID card and ID card / household register (minors must provide valid identity certificate of legal guardian and written statement of consent to apply for loan); (3) Questionnaire on students and families in Colleges and universities verified and confirmed by township or street civil affairs departments.
4. The amount of general student loans is between 1000-6000. Each school is also different according to its own situation. It is required to pay off the student six years after graduation. The interest generated shall be borne by the student and the state respectively by 50%. When handling, you should fill in the application form for national student loan, the letter of commitment for national student loan and the proof of difficulties provided by your street or administrative village.
5. After the review of relevant departments of the school, students can take the relevant materials approved by the school to the designated bank and sign relevant loan contracts with the bank. When signing the contract, you should see clearly that there are various repayment methods, which are generally paid off within six years at most. After the repayment period expires, if you are unable to pay off, you can apply to the bank, but the state will no longer bear the corresponding interest subsidy within the following period.
2、 What is the process of student loan
1. Students apply
Students receive the national student loan application approval form and other materials, fill in them truthfully and completely, prepare relevant supporting materials and return them to the school's national student loan agency.
2. School institutions conduct preliminary examination of loans
School institutions organize students to apply for loans and accept students' loan applications within the annual loan limit and control proportion issued by the national student loan management center.
3. The handling bank approves the loan
The handling bank shall complete the review within 20 working days after receiving the information form and application materials submitted by the school.
4. Sign loan contract with students
After the loan application is approved, the school shall, according to the list of loan students provided by the handling bank, complete the work of organizing students to fill in and sign the loan contract and receipt within 10 working days, and submit it to the handling bank.
5. Issuance of loans
The handling bank will transfer the first year's tuition, accommodation and living expenses loans to the designated account opened by the school in the handling bank within 20 working days after signing the loan contract and receipt with the borrower.
6. Repayment of loans