National student loan policy

The national decision to attach importance to education was implemented from the fall semester of 20021,and the amount of national student loans began to increase.

The maximum annual loan amount for undergraduates will be increased from 8,000 yuan to1.2000 yuan, and for postgraduates from1.2000 yuan to1.6000 yuan.

Extended data:

What is a student-origin credit loan?

Student-origin credit student loan refers to the student loan issued by financial institutions such as China Development Bank to eligible freshmen (including preparatory students) and students with financial difficulties in colleges and universities, which is handled by the counties (cities, districts) where the students are registered before entering school. Student loans are credit loans, and students and their parents (or other legal guardians) are the same borrower, and both parties are responsible for repayment.

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Loan amount and purpose

Full-time college students (including second bachelor's degree and higher vocational college students) and preparatory students apply for a loan amount of not more than 8,000 yuan per person per year, not less than 1 1,000 yuan. If the sum of tuition and accommodation fees is less than 8,000 yuan per year, the loan amount shall be determined according to the sum of tuition and accommodation fees. If the sum of annual tuition and accommodation fees is higher than 8,000 yuan, it shall be determined according to 8,000 yuan. Full-time graduate students (including master students and doctoral students) can apply for a loan of 12000 yuan, and other provisions are the same as those of full-time college students.

Note: In case of national policy adjustment, the latest policy shall prevail.

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How to determine the interest rate:

The quoted interest rate of the loan market for more than five years issued by the National Interbank Funding Center authorized by the People's Bank of China is LPR5Y-30 basis points (that is, LPR5Y-0.3%). Adjust from 65438+February to 2 1 every year according to the latest LPR5Y.

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When to start repayment:

How long is the grace period for repayment of principal:

During the study period, all interest will be subsidized by the finance.

If you don't continue to study for a degree after graduation, interest will be calculated from the year of graduation, and you only need to repay the principal and interest within a grace period of five years. If the remaining loan term after graduation is less than 5 years, repayment shall be made according to the repayment plan agreed in the loan contract.

After graduation, borrowing students who continue to pursue their degrees during the repayment period should apply to the county-level financial aid center in time and provide written proof. After passing the examination, they can continue to enjoy interest concessions and a five-year grace period for repayment of principal, but the loan period will not be extended.

What is the maximum amount of national student loan that China Bank can apply for?

China Bank's national student loan quota:

Before September 3, 20021year, the policy is that the loan amount applied by full-time undergraduates (including students with second degree and higher vocational education) should not exceed 8,000 yuan per year; If the sum of tuition and accommodation fees is less than 8,000 yuan per year, the loan amount can be determined according to the sum of tuition and accommodation fees. Full-time graduate students each apply for a loan amount of no more than 12000 yuan per year; If the sum of annual tuition and accommodation fees is less than 12000 yuan, the loan amount can be determined according to the sum of tuition and accommodation fees.

202 1 Policies after September 3rd Recently, the Ministry of Finance, the Ministry of Education, the People's Bank of China and the China Banking Regulatory Commission issued the Notice on Further Improving the National Student Loan Policy (Cai Jiao [202 1] 164), which increased the national student aid from the fall semester of 20021. Full-time college students (including second bachelor's degree, higher vocational and preparatory students) apply for loans of no more than 8,000 yuan to no more than12,000 yuan per year; The annual loan amount for full-time graduate students will be increased from no more than 1.2 million yuan to no more than 1.6 million yuan. China Bank's national student loan should be used to pay tuition and accommodation fees during school, and the excess can be used to make up for daily living expenses.

Students who apply for national student loans in Bank of China can apply according to the maximum amount of the New Deal (that is, the maximum loan amount per junior college student is10.2 million yuan, and the maximum loan amount per graduate student is10.6 million yuan).

Students who have applied for (issued) national student loans in BOC can apply for an increase (for example, undergraduate students can apply for a loan of 5,000 yuan to pay tuition and accommodation fees, and they can apply for a living allowance of 7,000 yuan from BOC).

The above contents are for your reference. Please refer to the actual business regulations.

What are the national aid policies?

What are the national subsidy policies in the past two years? Not too early. Who can tell me?

At present, in the stage of higher education, the state has established a financial aid policy system for students from poor families in colleges and universities, which organically combines various forms, such as national scholarships, national inspirational scholarships, national grants, national student loans (including national student loans on campus and credit student loans from students' places of origin), free education for normal students, education assistance for retired soldiers, tuition compensation for student loans from students' places of origin, enrollment assistance projects for freshmen, work-study programs, tuition reduction and exemption. When students from poor families are admitted to the university, they can first report on time through the "green channel" opened by the school. After entering the school, the school verified the financial difficulties of their families and took different measures to give them financial assistance. Among them, to solve the tuition and accommodation problems, the national student loan is the main one, supplemented by the national inspirational scholarship; To solve the problem of living expenses, the state grants are the main ones, supplemented by work-study programs. In addition, the state also actively guides and encourages social organizations, enterprises and individuals to set up scholarships and grants for colleges and universities to help poor students in colleges and universities enter and complete their studies smoothly.

The main contents of establishing and perfecting the financial aid policy system for students with financial difficulties in families

(1) Improve the national scholarship system. The central government will continue to set up national scholarships to reward outstanding students in full-time undergraduate colleges and higher vocational schools, with an annual reward of 50,000 people. The reward standard is 8,000 yuan per student per year, and the required funds will be borne by the central government.

The central and local governments jointly set up national inspirational scholarships to reward students from poor families with excellent academic performance in full-time undergraduate colleges and higher vocational colleges, accounting for about 3% of the national college students on average, and the subsidy standard is 5,000 yuan per student per year. The national inspirational scholarship is appropriately inclined to the students majoring in agriculture, forestry, water, minerals, petroleum and nuclear engineering who are most needed by the country.

The funds required for the national inspirational scholarships of universities affiliated to the central departments shall be borne by the central finance. The funds needed for national inspirational scholarships in local colleges and universities are shared by the central and local governments in proportion to local financial resources and students. Among them, in the western region, regardless of students, the central and local sharing ratio is 8: 2; In the central region, if students come from the western region, the central and local sharing ratio is 8: 2, and if students come from other regions, the central and local sharing ratio is 6: 4; In the eastern region, if students come from the western region and the central region, the sharing ratio between the central and local governments is 8: 2 and 6: 4 respectively. If students come from the eastern region, the sharing ratio between the central and local governments is determined by the provinces according to factors such as financial resources and students' situation. The financial aid funds for students with financial difficulties from ethnic minority families with small population are all borne by the central government. Encourage all localities to increase funding. If the funds required for national inspirational scholarships exceed the total amount approved by the central government, the central government will give appropriate subsidies. The sharing ratio below provinces (autonomous regions and municipalities) shall be determined by all localities according to the principle determined by the central authorities.

(2) Improve the national scholarship system. The central and local governments jointly set up state grants to support full-time undergraduates in institutions of higher learning, students from poor families in higher vocational schools, and all full-time rural students and students from poor families in cities and towns in secondary vocational schools.

Ordinary undergraduate colleges and higher vocational colleges. On average, state grants account for about 20% of the total number of students in ordinary undergraduate colleges and higher vocational colleges in China. The Ministry of Finance and the Ministry of Education comprehensively determine the coverage of funds in each province according to the students' situation, the average cost of living, the types of colleges and universities and other factors. The average subsidy standard is 2000 yuan per student per year, and the specific standard is determined by all localities according to the actual situation within the range of 1000-3000 yuan per student per year, which can be divided into 2-3 files.

Secondary vocational schools. The state grants grants to all full-time rural students and students from urban families with financial difficulties. The subsidy standard is 1.500 yuan per student per year, and the state subsidizes for two years. In the third year, students will be combined with work and practice.

The funds required for the national bursary shall be shared by the central and local governments in accordance with the fund sharing method of the national inspirational scholarship.

Conditional areas can try to issue state grants with education vouchers.

(3) Further improve and implement the national student loan policy. Vigorously carry out student-origin credit student loans. Student-origin credit student loan is an important part of national student loan and enjoys the same preferential policies as national student loan. Local governments should attach great importance to it and actively promote and encourage financial institutions to carry out related work. It is necessary to further improve and implement the current national student loan policy and formulate management measures for the use of risk compensation for national student loans linked to loan risks and management costs. Relevant financial institutions should improve the internal assessment system and take more active and effective measures to mobilize the enthusiasm of institutions at all levels to ensure that loans are used up.

Full-time undergraduate students in ordinary undergraduate colleges and higher vocational schools ......

When did the state grant come into effect?

The plan was implemented in 2007.

In order to show the concern of the Party and the state for poor students from ordinary undergraduate colleges and higher vocational schools and help them complete their studies smoothly, according to the State Council's Opinions on Establishing and Perfecting the Financial Aid Policy System for Poor Students from Ordinary Undergraduate Colleges, Higher Vocational Schools and Secondary Vocational Schools (Guo Fa [2007]13), the state financial aid policy is implemented. It can be seen that it was implemented in 2007.

Attachment: baike.baidu/...EOz8ja

What are the conditions for granting state grants?

You violated the conditions of the state grant, so you are not eligible to apply. Even if you buy a computer at a lower price, the conditions are as follows:

Note that one of the following acts cannot be identified as a student with financial difficulties:

Possession or use of high-end communication tools; Long-term purchase or lease of computers (except for special majors); Buy luxury goods such as high-end entertainment appliances, high-end fashion or high-end cosmetics; Frequent business trips on holidays; Renting a house off campus or frequenting commercial Internet cafes; There are other high-consumption behaviors or extravagant consumption behaviors.

What is a state grant? What are the conditions for application?

Interim Measures for the Administration of State Grants in Colleges and Higher Vocational Schools

Chapter I General Provisions

Article 1 In order to show the concern of the Party and the state for poor students from ordinary undergraduate colleges and higher vocational schools and help them complete their studies smoothly, these Measures are formulated according to the Opinions of the State Council on Establishing and Perfecting the Financial Aid Policy System for Poor Students from Ordinary Undergraduate Colleges, Higher Vocational Schools and Secondary Vocational Schools (Guo Fa [2007]13).

Article 2 The term "ordinary undergraduate colleges and higher vocational schools" as mentioned in these Measures refers to full-time ordinary undergraduate colleges, higher vocational schools and junior colleges (hereinafter referred to as universities) that have been approved to set up and implement higher education according to the relevant provisions of the state.

Article 3 State grants are used to finance students with financial difficulties among full-time undergraduates in ordinary colleges and universities (including higher vocational colleges and second bachelor's degrees).

The number of state grants for central universities shall be determined by the Ministry of Finance in consultation with relevant departments. The number of national grants for local colleges and universities is determined by the provinces (autonomous regions and municipalities directly under the Central Government) according to the total number of people determined by the Ministry of Finance and the Ministry of Education, as well as the number, category, educational level, education quality, number of college students, student source structure and other factors. In the allocation of national scholarships, universities for nationalities and universities with special disciplines such as agriculture, forestry, water, minerals, oil and nuclear need to be properly tilted.

Article 4 State grants shall be established by the central and local governments. The funds required for state grants in universities affiliated to the central departments shall be borne by the central finance. The funds needed for state grants in local colleges and universities shall be shared by the central and local governments in proportion according to local financial resources and students.

The state encourages all provinces (autonomous regions and municipalities directly under the Central Government) to increase their financial assistance to students from poor families, and the central government will give appropriate subsidies to the funds needed for state grants exceeding the total amount approved by the central government.

Chapter II Funding Criteria and Application Conditions

Article 5 State grants mainly subsidize the living expenses of students from poor families. The average subsidy standard of state grants is 2000 yuan per student per year, and the specific standard is determined within the range of 1000-3000 yuan per student per year, which is divided into 2-3 grades. The classification and specific standards of state grants for central universities are determined by the Ministry of Finance in consultation with relevant departments, and those for local universities are determined by provinces (autonomous regions and municipalities directly under the Central Government).

Article 6 The basic conditions for applying for state grants are as follows:

1. Love the socialist motherland and support the leadership of China;

2. Abide by the Constitution and laws, and abide by school rules and regulations;

3. Honesty and trustworthiness, excellent moral quality;

4. Study hard and make positive progress;

5. The family has financial difficulties and lives frugally.

Chapter III Quota Allocation and Budget Issuance

Article 7 Before the end of May each year, the central competent department and the provinces (autonomous regions and municipalities directly under the Central Government) shall, in accordance with the relevant principles determined by the state and the provisions of Articles 3 and 5 of these Measures, put forward a plan for the allocation of national scholarship places in their universities and submit it to the Ministry of Finance and the Ministry of Education.

The Ministry of Finance and the Ministry of Education entrust the National Student Financial Assistance Management Center to review the national scholarship allocation plan submitted by the central competent department and the provinces (autonomous regions and municipalities directly under the Central Government).

Article 8 Before July 3 1 every year, the Ministry of Finance and the Ministry of Education, in combination with the audit opinions of the National Student Financial Assistance Management Center, will issue the allocation quota and budget of national grants to the central competent department and provincial finance and education departments.

Article 9 Before September 1 every year, the central competent department and the finance and education departments below the provincial level are responsible for allocating the national grant budget to their affiliated universities.

Chapter IV Application and Examination

Article 10 The evaluation of state grants shall adhere to the principles of openness, fairness and impartiality.

Article 11 The application and evaluation of state grants shall be organized and implemented by institutions of higher learning. Colleges and universities should formulate specific evaluation methods according to the provisions of these measures and report them to the central competent department or the provincial education department for the record. Colleges and universities should give appropriate preference to students in special disciplines such as agriculture, forestry, water, mining, petroleum, nuclear and so on.

Twelfth national grants are applied and evaluated according to the academic year.

Thirteenth every year before September 30th, students according to the relevant provisions of the basic application conditions of national grants, apply to the school, and submit the "application form for national grants for ordinary undergraduate colleges and higher vocational schools" (see table).

In the same academic year, students who apply for and receive state grants can apply for and receive state scholarships or state inspirational scholarships at the same time.

test ......

20 16 what national subsidy policies do secondary vocational students enjoy?

First, the higher education student aid policy

(1) Junior college students' education stage: the mixed funding system of national scholarship, national student loan, tuition compensation loan, in-school scholarship, work-study program, subsidy for difficulties, food subsidy, tuition fee remission and "green channel".

1. National Scholarship. The national scholarship for junior college students is used to reward outstanding full-time college students (including higher vocational colleges and second bachelor's degrees), and 50,000 junior college students are rewarded every year, with an annual income of 8,000 yuan per student.

2. National inspirational scholarship. It is used to reward full-time college students (including higher vocational and second bachelor's degrees) with excellent academic performance and financial difficulties. The national inspirational scholarship covers about 3% of the total number of students in full-time colleges (including higher vocational colleges and second bachelor's degrees), and each student is 5000 yuan per year. You can't get a national inspirational scholarship and a national scholarship at the same school year.

3. National appropriation. It is used to subsidize full-time college students with financial difficulties (including higher vocational colleges and second bachelor's degrees). State grants cover about 20% of the total number of students in full-time colleges (including higher vocational colleges and second bachelor's degrees). The average subsidy standard is 3000 yuan per student per year, divided into 2-3 grades.

4. National student loans. National student loan is an unsecured and unsecured credit student loan provided by financial institutions to students with financial difficulties in colleges and universities, which is used to help solve the tuition and accommodation expenses during their school days. In principle, the loan amount shall not exceed 8,000 yuan per academic year, and the longest loan period shall not exceed 20 years. The national student loan interest rate shall be based on the benchmark interest rate of the same grade in the same period announced by the People's Bank of China, and shall not rise. The loan interest of the loan students during their school days is all subsidized by the finance, and the interest is paid by the students after graduation, and the principal is repaid as agreed. There are two modes for students from poor families to apply for national student loans: one is the national student loan on campus, that is, applying to the handling bank through the school; The second is the student source credit student loan, that is, the application is made through the student financial assistance management institution of the county (city, district) where the household registration is located (some areas directly apply to relevant financial institutions).

5. Basic-level employment tuition compensation loan compensation. Tuition compensation or national student loan compensation shall be implemented for fresh graduates of full-time colleges and universities affiliated to the central departments who have volunteered to work in grass-roots units in central and western regions and hard and remote areas for more than 3 years (including 3 years). The amount of compensation is determined according to the actual tuition fees paid by graduates or the national student loan obtained during the school period, and each student is not higher than 8,000 yuan per year. 0/3 of the total compensation in 65438+ years or the compensation will be completed in three years. Compensation for tuition fees for graduates of local colleges and universities is formulated and implemented by local governments with reference to central policies.

6. Tuition compensation, loan compensation, tuition fee remission and compulsory military service. One-time compensation or compensation shall be given to college students and graduates who have been enlisted for compulsory military service during their school days, and tuition fees shall be reduced or exempted for college students (including freshmen) who have resumed their studies after retirement. The amount of compensation is determined according to the tuition fees actually paid by the students during their school days or the national student loans they have obtained, and the amount of tuition fee remission for retired students is determined according to the actual tuition fees charged, with no more than 8,000 yuan per student per year.

7. Direct recruitment of non-commissioned officer tuition compensation loan compensation. For college students who are directly recruited as non-commissioned officers, when they join the army, they will be compensated for the tuition fees paid during their school days or the national student loans they have obtained. The amount of compensation is determined according to the actual tuition fees paid by graduates or the national student loan obtained during the school period, and each student does not exceed 8,000 yuan per year.

8. Free education for normal students. Free education for normal students is implemented in six normal universities directly under the Ministry of Education: Beijing Normal University, East China Normal University, Northeast Normal University, Central China Normal University, Shaanxi Normal University and Southwest University. During the period of free education, normal students are exempt from tuition, accommodation and living expenses. Subsidies for normal students in local normal universities shall be implemented by all localities themselves. Students who enjoy free education for normal students can apply for national scholarships, but they cannot apply for national inspirational scholarships and national bursaries.

9. Education funds for retired soldiers. Give education subsidies to self-employed retired soldiers who have been retired 1 year or more and admitted to full-time ordinary colleges and universities. Contents: 1. Tuition subsidy; Second, the living allowance for retired soldiers with family financial difficulties; The third is other scholarships. Tuition subsidy standard, according to the provincial tuition standard, the maximum per student per academic year is not more than 80. ......

What's the difference between a national inspirational scholarship and a national grant?

1. The state grants are jointly funded by the central and local governments, and are used to subsidize full-time college students (including higher vocational and second bachelor's degrees) with financial difficulties. The subsidy standard is 2000 yuan per person per year, and the specific standard is determined within the range of 1000~3000 yuan per person per year, divided into 2~3 grades. The classification and specific standards of central universities are determined by the Ministry of Finance in conjunction with relevant departments, and local universities are determined by provinces (autonomous regions and municipalities directly under the Central Government). State grants are assessed once every academic year. Before September 30th every year, students apply to the university, and the university completes the evaluation before June165438+1October 15 of that year. State grants will be issued on a monthly basis 10, and universities will issue state grants to aided students on a monthly basis.

Second, the national inspirational scholarship, jointly established by the central and local governments, is awarded to students from poor families with excellent academic performance. The reward standard is 5000 yuan per person per year. The national inspirational scholarship is selected once every academic year, with equal evaluation. Before September 30th every year, students apply to schools, and colleges and universities complete the evaluation before June 65438+1October 3 1 of that year. Colleges and universities will issue a one-time national inspirational scholarship, 165438+, to the award-winning students before June 30th every year, and record it in the student status file. In the same academic year, students who apply for national inspirational scholarships can apply for and receive national grants at the same time, but they cannot get national scholarships at the same time. Students majoring in normal universities directly under the Ministry of Education who are trying out free education will no longer receive national inspirational scholarships at the same time.

Three, the national scholarship is funded by the central government to reward outstanding students. The reward standard is 8000 yuan per person per year. National scholarships are selected once every academic year, and equal evaluation is carried out. Colleges and universities start the evaluation work at the beginning of each academic year and finish the evaluation before 10 and 3 1 in that year. Colleges and universities will issue a one-time national scholarship, 165438, to the award-winning students before June 30 every year, and issue the award-winning certificate uniformly printed by the state, which will be recorded in the students' school records. No matter whether the family economy is difficult or not, students can get national scholarships as long as they meet the prescribed conditions. In the same academic year, students from poor families who receive national scholarships can apply for and receive national grants at the same time, but they cannot receive national inspirational scholarships at the same time. Students majoring in normal universities directly under the Ministry of Education who try out free education can get national scholarships if they meet the prescribed conditions.

What are the national policies to help the disabled?

Children from disabled families go to school.

available fund

Compulsory education: Children of poor disabled families who attend special education schools or ordinary schools in the compulsory education stage and are recognized by the civil affairs department are exempt from miscellaneous fees.

Senior high school and secondary vocational education: disabled people who enjoy the minimum living guarantee for urban and rural residents in this city or students from families with severe disabilities who enjoy the living difficulties subsidy for severely disabled people can apply for assistance, including ordinary senior high school students and students from secondary vocational schools (including vocational high schools, technical schools, secondary schools and secondary schools affiliated to vocational and technical colleges). Among them, the subsidy for ordinary senior high school students is 1000 yuan per academic year; Students in secondary vocational schools are subsidized by 2000 yuan per academic year (according to the implementation measures for the management of state grants in secondary vocational schools in Beijing, students who enjoy state-level grants are no longer subsidized; Students who enjoy second-class and third-class state grants will make up 2000 yuan on the basis of enjoying state grants). From the fall semester of 20 12, full-time secondary vocational schools (including public secondary vocational schools; Private secondary vocational schools approved by the administrative departments of education, human resources and social security according to law are free of tuition for disabled children with formal school status, but the maximum tuition-free standard does not exceed 2800 yuan per student per academic year.

Higher education: among the families who enjoy the minimum living security and subsistence allowances for urban and rural residents in this city and the families who enjoy the subsidies for severely disabled people, those who took the national entrance examination for general higher education in that year were officially admitted by the Higher Education Admissions Office of Beijing Education Examinations Institute, and those who were admitted to ordinary colleges and universities to receive full-time undergraduate, junior college or higher vocational education in that year can get a maximum of 4,500 yuan at one time. Students in normal colleges, agriculture and forestry majors who are free of tuition fees and enjoy professional scholarships do not enjoy this one-time subsidy.

How much does the state allocate for a year?

The first-class scholarship amount is 20,700 yuan/year, and the second-class scholarship amount is 17 100 yuan/year.

What is the website of the national financial aid system?

Xszz.chsi/, National University Student Financial Assistance Information Platform.

Nslis.wh.sdu.edu/, National Student Loan Information Inquiry System

Xszz.cee.edu/ national student financial assistance management center

What's the difference between state grants and special hardship grants?

The essence of the two is very different from the object of excitation.

State grants are funds set up by the party and the state to care for poor students from ordinary undergraduate colleges and higher vocational schools and help them complete their studies smoothly. However, there are many sources of special hardship subsidies, such as social donations, such as individual or corporate sponsorship, and donations from the Red Cross.

Repayment Policy of Student Loan in 2022

According to the phased policy arrangement of student loans in 2022, the interest of fresh graduates in the interest-bearing year in 2022 will be borne by the finance. As long as the application for prepayment is submitted before June 65438+February 65438+May this year and the loan principal is paid off, there is no need to pay extra loan interest.

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.

Legal responsibility: 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.

On May 1 1, 2022, the financial department promised to exempt the national student loan interest of college graduates with financial difficulties by stages.

The introduction of the national student loan policy ends here.