Will parents be informed of the amount of student loans?

Do you inform the parents of the students to repay the loan by SMS?

Nowadays, student loans are very common. Many student loans require students to repay their loans during their college years after graduation. During this period, the lender does not need to bear interest. Moreover, the repayment notice of the student loan is also directly related to the number reserved at that time, and the repayment will not be urged through the channels of parents.

First, student loans support students' independent repayment.

The student loan is originally an incentive way, because the student loan does not generate any interest expenses during the school period. It is not until the students graduate that they have the repayment ability that they need to start repayment. This in itself is an incentive mechanism. I hope that the student loan can help students complete their studies, and at the same time encourage students to study hard and have higher income after graduation. Therefore, when repaying money, banks will choose to contact themselves instead of their parents.

Second, the student loan will only tell the bank the reserved mobile phone number.

For students who apply for student loans, most of them are because the family's economic situation is not very good, not because the tuition fees are too high, so the amount of student loans will not be very large. Secondly, students' income is unstable soon after graduation, and banks generally don't urge repayment. At most, contact the mobile phone number reserved by the bank when borrowing money, and don't contact your parents to urge repayment.

Third, parents often have the ability to repay loans, but this is not the purpose of banks.

The interest on student loans is not very high. Although the purpose of banks is to make students have money to go to school, the ultimate goal of all enterprises is to make a profit. Therefore, it is not a wise choice to contact parents to urge repayment. On the contrary, contacting students or waiting for repayment can make banks get more interest. So it is impossible for the bank to contact the parents of the students.

Student loans have helped hundreds of millions of students realize their dreams of going to college, and they are also encouraging these students to make greater efforts to repay the society, so banks prefer them to repay their loans themselves rather than contacting their parents.

Will parents be notified when the student loan arrives?

If the reserved mobile phone number belongs to parents, parents will be informed that the purpose of the student loan is to encourage students who want to go to school but have no financial means, and the interest on the loan will be borne by the state during school. After graduation, the student union will return the loan with the borrower. The borrower of the general student loan is his guardian. When repaying the student loan, the bank will first choose the student himself, not the parents. Student loans generally begin to repay the loan principal and interest after college students graduate, and lenders do not have to bear interest during their school days.

The Development History of Student Loan

1. 1999, the national student loan pilot project was officially launched in eight cities including Beijing, Shanghai, Tianjin, Chongqing, Han, Shenyang, Xi and Ning.

2. In February and August, 2000, the state made two adjustments to this policy, expanding the loan scope to colleges and universities nationwide, expanding the undertaking banks to four wholly state-owned commercial banks of industry, agriculture, China and construction, and expanding the loan targets to graduate students and full-time students studying for double degrees, and changing the guaranteed loans into credit loans.

3. In the second half of 2003, the national student loan declined, which was in danger of stopping. The Ministry of Education, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission have carried out major reforms on the national student loan policy and mechanism, and established new policies and mechanisms with the risk compensation mechanism as the core.

4. On June 28th, 2004, after the promulgation and implementation of the new mechanism, the loan interest of the loan students was extended from financial subsidies and repayment period to six years after graduation.

5. In September 2006, the national student loan compensation mechanism was initially launched, which laid a good foundation for improving the financial aid system for students with financial difficulties in colleges and universities with national student loans as the main body.

6. July 2, 20201Diary The Ministry of Education and other four departments adjusted and improved the national student loan policy, and the grace period for student loan repayment was extended from 3 years to 5 years.

On July 2002 1 September1day, the executive meeting of the State Council decided to strengthen the support of national student loans. The meeting decided to improve the national student loan policy and increase the amount of national student loan. First, the loan amount will be increased from the fall semester. The maximum annual loan amount for undergraduates will be raised from 8,000 yuan to1.20 thousand yuan, and for postgraduates from1.20 thousand yuan to1.60 thousand yuan. The financial department will fully subsidize the loan interest of students during their school days. Second, the financial department continues to give a certain proportion of risk compensation to the student loan undertaking banks, and reasonably reduce the compensation ratio. Third, guide students to be diligent and thrifty, apply what they have learned, enhance their employability and serve the country and society. Schools should also strive to provide more work-study opportunities for students.

On August 20021September 14, the State Council held a routine briefing on the State Council policy. Owen Han, Assistant Minister of Finance, said that according to the notice, the annual loan amount of full-time college students was increased from no more than 8,000 yuan to no more than 1.2 million yuan. The number of full-time graduate students increased from no more than 1.2 million yuan to no more than 1.6 million yuan.

Will * * * notify the same lender by SMS after the student-origin student loan is successful?

No, there will be a short message after the repayment of the national student loan is successful. After the repayment of the national student loan is successful, the bank will send a short message notification according to the mobile phone number reserved by the lender in the bank.

The borrower of student-origin student loan must be registered in the same county as you. Parents are of course the first choice. If there are special circumstances, they must be immediate family members under the age of 70.

Repayment procedures for student loans:

1. Get the repayment application form from the student loan center and fill it out clearly.

The place of origin will give you a card number, and you can pay at the designated bank.

3. How much is the monthly regulation?

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First, the national student loan repayment matters needing attention:

1. The period of student loans is ten years, and the interest rate is based on the benchmark interest rate. Students' interest during school is fully subsidized by the state, and they must pay their own interest after graduation. Considering that some students may not be able to find jobs in time after leaving school, the state has also set a grace period of two years after graduation.

2. During the grace period, students only need to pay interest without repaying the principal. However, due to the lack of understanding of the policy, many students think that the grace period means no repayment and no interest. As a result, there have been some cases of overdue repayment.

3. If it is maliciously overdue, you can explain to the bank and cancel your personal bad credit record. Don't be discouraged if there is indeed negative information in the credit report. National student loan.

4. Bad credit record information will be deleted from the credit report after a certain number of years. Moreover, as long as individuals are honest and trustworthy in future credit activities, with the passage of time, new good records will gradually refresh and replace the old negative records.

Two, the national student loan students have one of the following acts, the bank can stop issuing loans and pay off the loan principal.

1. Failing to use the loan for the purposes stipulated in the contract.

2, there are violations of law and discipline, by the school administrative punishment or criminal punishment of the relevant departments.

3. Drop out of school, expel from school or cancel school.

4, poor academic performance, unable to complete their studies.

5. Study abroad or settle down.

6, was declared missing, dead, lost full capacity for civil conduct or ability to work.

Will students inform their teachers if they have subsidies?

This matter should be analyzed in detail. Generally speaking, there will be a receipt after handling the student loan. At the beginning of school, you can log in to the student online service system to inquire about the repayment plan of the year, such as loan amount and repayment period. In addition, the student loan is directly transferred to the student's Alipay account, and the money is deducted immediately after it arrives. If the money is not received, it will be frozen. So make sure that your parents or immediate family members will be notified when the student loan arrives. Many students will transfer the money from student loans to their Alipay accounts, but not all Alipay accounts will be paid.