1. Students or their legal guardians should apply to the rural credit cooperatives, banks and other financial institutions where their families are located. Location of student-origin student loan: apply to the county (urban) student financial assistance management center or financial institution where the student is studying.
2. The national student loan is a credit loan. 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. After receiving the letter of admission, students can consult the school to handle the national student loan. After students report to the school, they can apply for national student loans from financial institutions through the school.
I. The loan forms are as follows
1, there are four main forms of loans: 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.
2. There are two kinds of commonly used student loans: national student loans and student credit student loans. 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.
3. Student-origin credit student loan refers to the student loan issued by the China Development Bank to eligible college freshmen and students with financial difficulties, which is handled in the county (city, district) where the students are registered before entering school. The loan funds are mainly used for students to pay tuition and accommodation fees during their school days. Student-origin credit student loan is an important part of college student loan.
Two, you can also apply for student loans at school, the process is as follows:
1. Submit application:
Students apply for student loans from the student aid center of their school, receive the "National Student Loan Application Approval Form" and other materials, and prepare relevant supporting materials to be submitted to the national student loan funding center of their school.
2. The school preliminary audit:
The school financial aid center shall examine the application materials for student loans submitted by students and be responsible for their completeness, authenticity and legality. The preliminary examination will be completed within 20 working days after receiving the application for student loan.
3. The final audit of the bank:
The school will submit the application materials that have passed the preliminary examination to the bank, and the bank will conduct a final review of the application materials and notify the school after passing the review.
4. Sign a loan contract:
After the bank is approved, it will promptly notify the relevant person in charge of the school, and the relevant person in charge will inform the applicant to go through the loan procedures at the bank outlets and sign a loan contract.
5. Loan:
According to the contract, the bank will issue student loans to students' designated accounts on schedule.
How to apply for a college student loan
China Bank's national student loan application process:
1, offline mode:
(1) Students submit loan applications to the financial aid management institutions of colleges and universities; The application for national student loan can be submitted through online channels such as personal online banking and personal mobile banking of Bank of China, and paper applications can also be submitted to universities offline.
(2) Colleges and universities shall conduct preliminary qualification examination on the national student loan application submitted by students, and be responsible for the authenticity of the student loan application qualification. Colleges and universities should complete the examination within 20 working days after receiving the application for student loans, form a list of students who intend to agree to apply for loans, and complete the preliminary examination.
(3) After the completion of the preliminary examination, colleges and universities should confirm the qualified loan application stamped with the official seal within 5 working days, inform the students applying for loans of the preliminary examination results, and prepare the Information Form for Examining Students Applying for National Student Loans according to the requirements of the handling bank, and send it to the handling bank together with the application materials in the form of electronic documents and written documents.
(4) The handling bank shall complete the audit within 10 working days according to the regulations after receiving the "Information Form for Examining Students Applying for National Student Loans" and application materials submitted by universities and institutions. If there are errors or omissions in the materials submitted by institutions of higher learning, the handling bank may ask the institutions of higher learning to correct or supplement them, and the handling bank shall conduct a review. The audit of the handling bank shall be completed within 5 working days after the institutions of higher learning submit the corrected or supplementary materials.
(5) Through the online channel of national student loan, colleges and universities can conduct online preliminary examination in the system and submit it to the handling bank, without the need for paper materials such as the Application Form for National Student Loan and the Information Form for Students' Application for National Student Loan.
(6) The handling bank shall send the loan contract (format) and the IOU text to institutions of higher learning within 5 working days after the completion of all the examination and approval work.
(VII) Institutions of higher learning should organize students to fill in and sign loan contracts and IOUs within 5 working days after receiving the loan student roster, loan contract text (format) and IOUs recognized by the handling bank.
(8) Colleges and universities submit loan contracts and IOUs signed by students to the handling bank. The handling bank shall, within 10 working days, complete the review of loan contracts and IOUs signed by borrowing students submitted by colleges and universities, and sign loan contracts. After the signing of the loan contract, the handling bank will deliver the loan contract kept by the university institution and the borrowing student to the university institution within 2 working days, and the university institution will hand over one of them to the borrowing student within 2 working days. Colleges and universities should require borrowing students to sign the receipt of the loan contract, which will be stamped by the school and then fed back to the handling bank.
2. Online mode: After May 29, 2022, the policy will resume online channel application:
(1) If online mode is adopted, it shall be approved by the bank first, and then by the university.
(2) After receiving the student's application, the handling bank shall review the compliance and completeness of the materials submitted by the students and the student's credit information according to the requirements of the loan policy, and complete the loan approval within 15 working days after the application materials and supporting materials are complete. If the student's application information is wrong or the submitted materials are wrong or omitted, it shall be returned to the student for correction or supplement. The handling bank has the right to approve the loan and submit it to the undertaking institution of the university.
(3) The undertaking institutions of colleges and universities should examine the authenticity of students' family financial difficulties qualifications and enrollment registration. At the same time, according to the amount of tuition and accommodation required by students, the loan amount applied for will be reviewed and adjusted. The undertaking institution of a university shall complete the examination and approval through the Shang Yi _ National Student Loan System of China Bank within 20 working days after receiving the application for student loan approved by the bank. Colleges and universities can complete the loan review in batches.
(4) After being approved by the handling bank and the university undertaking institution respectively, both parties organize students to sign loan contracts in mobile banking, and then enter the loan process after signing the contracts. Students can check the signed loan contract at the personal mobile banking terminal of BOC. After the personal mobile banking of China Bank signs the loan contract, the handling bank shall prepare a student list page, which shall be sealed by the university undertaking institution, and the sealed student list page shall be filed as required. If the university needs to keep the loan contract, the handling bank should print the loan contract signed by the personal mobile banking terminal of China Bank and submit it to the organizer of the university.
Colleges and universities can inform their parents or other legal guardians of the loan information of the borrowing students in time by means of e-mail, SMS, telephone, WeChat and registered letter.
The above contents are for your reference. Please refer to the actual business regulations.
Where can I apply for a student loan?
Student loans are generally applied to the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where the family is registered.
The process is as follows:
1. Bring my ID card, household registration book, college admission notice, and proof of family financial difficulties issued by the relevant departments where my family is located, and apply for a loan at the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where my family is registered. After receiving the application form and filling it out, submit the completed form together with the materials.
2. The local funding center will review the materials, sign a loan contract with the borrowing students after the approval, and then issue a contract receipt.
3. Borrowing students will give the contract receipt to the school when going through the admission formalities, and the school will enter the information, and then send the contract receipt back to the Student Financial Assistance Management Center of the Education Bureau of the county (city, district) where the student is located.
4. The local financial aid center prepares a summary table and submits it to the provincial student financial aid management center, which submits it to the handling bank for approval and then issues the loan (generally, the funds are first transferred to the borrower's personal account, and then transferred by the system to the tuition account of the school where the borrower is located).
Contact information of national student loan, telephone number of student loan center
Students often encounter various problems when applying for student loans. Some people will say, if you have questions, ask Du Niang. However, many problems can't be solved by Du Niang. At this time, professionals are needed to answer. So, what is the contact information of the national student loan? What's the telephone number of the National Student Loan Center?
It is understood that the CDB loan website:, the login page has Alipay documentation and the user manual of the student user system. Students can download and use it.
The contact information of CDB student loan is:
1. Student-origin student loan system Tel: 0 10-88309834
2. Telephone number of students with college loans: 0 10-8830993 1.
3. Student Loan Call Center Tel: 95593
Working hours: Monday to Friday-9: 00 am-1:30 pm13: 30 pm-17: 30 pm.
You can call for advice if you have any questions about handling the national student loan.
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