How to pay back the student loan?

The repayment method of student-origin student loan is as follows:

1, Alipay repayment:

(1) You can recharge your student loan Alipay account before June1~ 20th of each month, and the system will deduct the corresponding funds from the account for repayment from June 2 1 to the end of each month;

(2) Log in to Alipay official website by computer, find the student loan repayment in the application center, select I want to repay, and follow the instructions on the page.

2. Manual repayment: the loan applicant or * * * and the borrower bring the loan contract and identity documents to the local education bureau for repayment.

Repay with AliPay. After repayment, the repayment status of CDB system will not be updated until the end of the month. If you need to log in to the system, you can query at the end of the month or early next month.

If you have any questions about other student loans, you can also contact CDB hotline 95593 for consultation.

Second, how to repay the student loan?

I. Advance payment

(1) Time for submitting prepayment application: June to July every year. You can apply for prepayment before 10, and the interest will be calculated until the 20th of that month. Applications made after the current month (except July) 10 will be regarded as applications for early repayment next month, and the interest will be calculated until the 20th of next month.

(2) Deposit time of prepaid funds:

1. If the repayment is made with the Agricultural Bank of China card, and after 10 last month, an application for prepayment shall be submitted before 10 that month (the repayment account number is Agricultural Bank of China card or Alipay students can access the student online system), and it shall be deposited into the designated Agricultural Bank of China card before 15 that month. If the repayment is made with the Agricultural Bank card, and the application for prepayment is submitted after 10 in the current month and before 10 in the following month, it shall be deposited into the designated Agricultural Bank card before 15 in the following month.

2. Repayment with Alipay, and after last month 10, and before the current month 10 (repayment account is Agricultural Bank of China card or Alipay students can access the student online system), should be deposited into the designated Alipay account before the 20th of the current month. If the payment is made by Alipay, and the application for prepayment is submitted after 10 of the current month and before 10 of the next month, it shall be deposited into the designated Alipay account before the 20th of the next month.

Don't worry about the money in Alipay. Very safe. The payment function has been turned off, and 3 yuan will resume after repayment.

Third, how to repay the national student loan?

General normal repayment: 1. Under normal circumstances, students should repay the interest on an annual basis from September 1 day of the graduation year, and begin to repay the principal and interest two years later. The normal repayment deduction date of China Development Bank is June 65438+February 20th every year. 2. After165438+1October 20th every year, log in to the student loan system of China Development Bank to inquire about the principal and interest to be repaid this year, and deposit the money into the corresponding loan account before 65438+February1May, and the bank will automatically deduct the money on 65438+February 20th. 3. If Alipay is used for repayment, Alipay will send a repayment notice to the borrowing students by SMS and email five days before the repayment date. If the mobile phone number and email address are changed, please log in to the student loan system of China Development Bank in time to make changes. Prepayment: from 1 to 10, you can apply for prepayment every month 1. Early repayment requires paying off all outstanding debts of the contract in one lump sum. Borrowing students must apply for a new student-origin student loan in the student system of China Development Bank before 10 every month or apply to the teacher of the local county financial aid center, and deposit the full amount of funds into the corresponding repayment account before 15 that month. 2. If Alipay is used for repayment, Alipay will deduct the corresponding amount from the student's personal Alipay account on the day of prepayment deduction, and feed it back to the borrower through SMS and email. Students can log on to the online system to check the results of prepayment. If the current advance payment fails, the next advance payment needs to be resubmitted within the specified time. 1. What is a student loan? The national student source credit student loan refers to the student loan issued by the National 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. 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. The loan targets are full-time undergraduate colleges, higher vocational colleges and junior colleges (the list of schools is subject to the announcement of the Ministry of Education and is valid for filing in the student loan system of China Development Bank).

4. How to repay the 202 1 Shanxi student loan?

First, common sense of repayment

1. Repay the interest on time within the grace period. According to the regulations, loan graduates should bear the loan interest from September 1 day of the graduation year, and repay the interest of the first year before February 20 of that year, and repay the interest on time before February 20 of that year. For example, if you are admitted to graduate school that year, you need to submit an extension to the county-level financial aid center before August 1, change the school information, and apply for financial subsidy interest during the period of continuing your degree. Otherwise, the discount will not continue.

2. Repay the principal and interest on time after the grace period. Repay the principal in the same amount for the first time before February 20, 65438 five years after graduation, and repay the principal on time before February 20, 65438 every year thereafter, and pay it off before September 20 of the last year of the loan term. See the loan contract for the specific time.

3. Update the contact information in time.

(1) Before 65438+February 1 every year, graduate students should take the initiative to contact the student financial assistance management center and university teachers in the place where the loan is handled, and provide the latest mailing address and telephone number of themselves and their families until the loan is paid off.

(2) Before 12 and 1 every year, log in to the online system of student-origin credit student loan, update personal information, and inquire about repayment until the loan is paid off.

4. How do students who enjoy loan compensation repay the loan? After graduation, the loan students will participate in relevant national employment projects (such as compulsory military service and "three supports and one support"). ). In line with the conditions for enjoying loan compensation, compensation funds will be distributed to students through schools or project organizers, and loans will not be directly deducted. Please ask the loan students to repay the loan interest or principal in advance according to the regulations, so as not to affect their credit records.

5. Consequences of breach of contract

(1) Calculate the penalty interest according to the actual overdue amount and overdue days, and the penalty interest rate is130% of the normal loan interest rate;

(2) The bank has the right to publish the information of students who break the contract in the news media and online according to the contract;

(3) Default information and borrower information are loaded into the personal credit information system of China People's Bank, which directly affects personal credit (credit card, car loan, mortgage, etc.). ); Once the default information enters the credit information system, it will be retained for 5 years even if it is repaid immediately.