Repayment time of student loan

The repayment time of student loans varies from place to place, and the specific provisions of the contract shall prevail.

The repayment time is generally 1 next month after graduation (or graduation), and the interest on the student loan begins to bear. From the fourth year of graduation (or graduation) (the year of graduation is the first year), the principal and interest are repaid, and the repayment date of the principal is the same as that of the interest.

Generally speaking, students from poor families need to apply for national student loans from local banks through their schools. In principle, students apply once during their school days, and the bank issues national student loans by stages.

What materials do I need to provide to apply for a national student loan?

Application for national student loan;

1. Copy of my student ID card and resident ID card (minors must provide valid identity certificate of legal guardian and written consent to apply for a loan);

3. My explanation of 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.

Examination and approval: the relevant departments of the school are responsible for the qualification examination of the national student loan applications submitted by students, 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.

Folding repayment method

(1) Students shall pay off in one lump sum or in installments before graduation;

(2) After graduation, students can look at their own movable funds to repay the loan;

(3) After the probation period expires, graduates will be deducted from their wages every month within two to five years;

(4) The unit where the graduates work decides to reduce the loan repayment according to their performance;

5] For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, the parents of the students are responsible for returning all the loans.

Borrowing students should confirm the repayment plan of the student loan with the bank when going through the graduation formalities. After graduation 1 year, you can apply to the bank to adjust the repayment plan. There are many ways to repay the principal and interest of student loans, which can be repaid in advance at one time or multiple times. If college students choose to repay the loan in advance, the handling bank will not charge any other fees except the interest payable. The specific operation method is as follows:

(1) Log in to the homepage of CDB student loan information network, and then enter the loan information page through the student login name and password (the default login name for online application for early repayment in 2006-2008 school year is school code+student ID number, and the password is 8 birthday; The login name and password of online loan repayment in 2009 and beyond are the login name and password when students apply for loans);

(2) Click "prepayment application" on the left to enter the prepayment application summary information page;

(3) Click the "Add" button at the lower left of the prepayment application summary information page to open the prepayment addition page;

(4) Select a loan contract record and click "OK" to save the prepayment application information.

(5) When logging in, if "There is something wrong with the security certificate of this website" appears on the webpage, please click "Continue to browse this website (not recommended)" in the penultimate line below to continue logging in.