College students have too many loans.

It is common for college students to borrow money now. What do you think of this phenomenon?

nowadays, it is not uncommon for college students to borrow money. For the phenomenon of college students, many college students should be stopped. They don't have the money to borrow some money in order to lead a rich life. In fact, loans are not a good phenomenon, and some people choose to take their own lives just because the number of loans is too large to repay.

nowadays, there are many loan channels, and there will be loans on various apps. As a result, more and more young people rely on loans. In fact, loans are not a good phenomenon. Nowadays, many people like gambling. They will choose loans if they have no money, and many people are short of hundreds of thousands of loans. Finally unable to repay, choose to leave this world. This makes the family ruined, so the state should take strict measures. College students, in particular, are forbidden to make loans, because their parents usually give them living expenses when they go to college. It is because of extravagance and waste that they make their living expenses insufficient.

nowadays, many college students will choose to take out loans. Their life is hard for many people to imagine, and they are very proud at school. Inviting classmates to dinner will cost a lot of money, but they don't have much money in their hands. Yes, they will choose to make a loan. At first, they would borrow from their friends, but in today's society, borrowing money is particularly hurtful, and many people are reluctant to borrow money. So they will choose to make loans, in fact, such behavior is not correct. We must crack down on the behavior of college students making loans, and these platforms must not make loans to college students.

In fact, as a college student, you must develop a good consumption concept. If you often make loans, you will have more loans after entering the society. Because the pressure at work is very great, you basically have no pressure at school. With so many loans at school, your loan pressure will be even greater in society.

So college students should never take out loans. Sometimes loans will ruin your life.

what is the maximum loan for college students? Is it okay to repay the student loan in advance?

what is the maximum loan for college students? Is it okay to repay the student loan in advance? First of all, for college students who have just entered school, if they can apply for a student loan from the bank because of family difficulties, the student loan will enjoy the discount policy given by the state during the whole university period, and the loans will be interest-free, and interest will be calculated at the benchmark interest rate stipulated by the state only after graduation. So, what is the maximum loan for college students? Is it okay to repay the student loan in advance?

what is the maximum loan for college students? The state has a special student loan channel for students from poor families, which belongs to the national public welfare service and can be obtained without any interest or collateral. This loan channel needs to be organized by the school at the time of enrollment, and the loan period is slightly longer, and more materials are submitted for review. College students can generally borrow between 3, yuan and 5, yuan each semester through student loans, and begin to pay back the money after graduation. In addition, there are student-origin loans, and the use of loans requires paying accommodation fees and tuition fees. The restrictions on loan conditions and loan materials are also strict, but compared with student loans, the loan amount is generally around 2,-5, yuan.

is it ok to prepay the student loan? At present, there are two ways to repay student loans, Alipay repayment and bank repayment. All loans are free of interest while students are in school, and the bank will charge interest according to the bank interest rate after graduation. Therefore, the sooner you repay the loan, you can pay less interest.

1. Repayment by Alipay

1. Before the 1th of each month, the student loan of China Development Bank is repaid in advance, log in to the student loan information network of China Development Bank, find the platform for personal account login in the visited page, enter the account number, password and verification code, and then log in.

2. Find the prepayment application and apply for prepayment as required (the prepayment application date is from the 1st to 1th of each month, except November).

3. if prepayment is required, please click the "add" button to enter the prepayment adding page.

4. in the new page, select the corresponding contract number, and the information to be filled in will be displayed. after confirming the information, click "submit" to complete the new operation.

5. If you use Alipay for repayment, please log in to Alipay system to recharge your Alipay account.

6. The accounting treatment period is after the 1th day of each month, and the fees will be automatically deducted from Alipay on the 2th day of each month. The repayment information may not be updated in time. Please check the accurate repayment results in the system at the beginning of next month.

7. After applying for prepayment, please ensure that the balance of your repayment account is sufficient. Whether the repayment is successful or not, please log in to the system at the beginning of next month and check in the "Application for Early Repayment". If the prepayment is unsuccessful, please reapply.

8. For specific repayment records, please check your own loan background repayment records.

2. Bank repayment

1. Before going to the bank, you must bring all kinds of materials for handling student loans, as well as my identity certificate, bank card, etc. You must remember the most important bank card password, otherwise it will bring more trouble to your handling process.

2. After entering the bank, queue up to get the number, and then go to the staff to get the application form and fill in all the contents in detail.

3. Go to the counter to go through the loan repayment procedures.

4. Send the Repayment Certificate to the relevant responsible person.

what is the maximum loan for college students? Is it okay to repay the student loan in advance? These are some introductions to this problem, hoping to be helpful to everyone. Among them, the student loan has no interest during the school period, but the bank begins to bear interest after graduation. Therefore, if conditions permit, it is best to choose to pay it off early after graduation.

what should I do if I borrow more student loans?

there is no need to worry about this problem. It doesn't matter if the student loan is too much. After the school starts, the bank will transfer the student loan to the university you want to attend. After the school deducts all tuition and fees, the remaining money will be returned to your Alipay account, and you can use it as your daily expenses.

Generally, student loans are made according to the charging standard of the school you provide. If you don't need so many student loans, you can modify the loan amount and choose the amount that suits you when you apply for student loans in the second year.

Students from poor families can apply for a student loan

A student loan is a bank loan set up by the state and educational institutions to help students with financial difficulties. This bank loan is all interest-free and subsidized by the financial department. Therefore, it is very good news for outstanding students with financial difficulties in their families, which means that the state will help them complete their studies and they will no longer have to worry about the tuition fees.

preparation for applying for a student loan

then, what about the student loan? Students who apply for student loans must first issue a certificate of family financial difficulties in the relevant local departments, hold their own ID cards and student ID cards, and then write an application for student loans, which will be reported to the local educational institution or their own school, and will be approved by the school and finally completed by the bank, so that student loans can be issued. Whether the student loan can be successfully handled mainly depends on whether it meets the conditions for handling the student loan.

Don't worry about too much student loan

Actually, there is no need to worry about this problem. If the loan is too much, the extra money will be returned to your Alipay account after deducting tuition and fees, which can be used for your own living expenses. If you don't want to do this, you can reduce the loan amount when you apply for student loans in the second year and fill in the loan amount, so that there won't be too many loans.

What are the hazards of college students' campus loans?

Campus loans are of a nature. Criminals aim at colleges and universities, taking advantage of college students' poor social cognitive ability and psychological weakness. I sorted out the dangers of college students' campus loans, welcome to read!

Harm of campus loans

Recently, Gulou police received an alarm about campus loans for help.

In the new semester, in the university campus, various loan staging platforms of different sizes have flooded in, and campus loan accidents have also occurred frequently.

On March 1th, a college student was maliciously threatened and intimidated by a debt collector because he borrowed a campus loan from an online lending platform and failed to return it as scheduled.

"Someone sent me threatening messages, saying that I would tell my parents and the dean if I didn't pay back on time, and someone followed me. I have been desperately borrowing money, but the low interest rate mentioned at the beginning is not the case at all, saying that I have to bear the handling fee and late payment fee if I fail to do so. I borrowed more than 1, yuan a year ago, and I have to pay back more than 2, yuan in less than 2 months. I feel that I have fallen into a trap and got deeper and deeper. " Unbearable Zhou had to call the police for help.

Gulou police said that the police would intervene to warn and stop illegal acts that might threaten Zhou's personal safety.

The police said that it is not in favor of college students to borrow money for consumption or business in advance. This kind of loan will increase their pressure, and college students should live within their means.

In fact, campus loans have many security risks for college students with low social precaution. Gulou police summarized five hazards of campus loan:

1 "low interest" is not credible

At present, the annualized loan interest rate of most products on the online loan platform is above 15%, so the so-called "low interest" is not credible. The monthly interest rate of .99% is a marketing trick, and students are easily cheated.

2 The more convenient it is, the more likely it is to be "robbed"

Some loans are very convenient, and only one ID card is needed. Some students use their ID cards to handle loans for others due to human relations and other reasons. This kind of behavior is risky, because once the other party is unable to repay, the remaining debt will be borne by the "respondent" alone.

3 Once overdue, the dunning is "all-round"

In some cases, once the student loan is not paid, the online lending platform will not pursue the payment through proper channels, but will use threatening means such as sending text messages to parents, relatives and teachers, posting posters on campus, and even arranging people to stop at home.

4 It is easy to breed the bad habit of borrowing

Some students love to compare with others and have bad habits, so the expenses provided by their parents can't meet their needs. These students may turn to campus to get funds, and lead to gambling, alcoholism and other bad habits, and even skip classes and drop out of school because they can't repay.

5 It is easy to induce other crimes

Lenders may use the collateral and deposit of students on campus, or use students' information to make phone calls and defraud credit cards.

The harm of campus online loan intermediary chaos

"Campus online loan", which has been quite active in recent years, is often associated with negative events such as "jumping off a building" and "". In April this year, the Ministry of Education and the China Banking Regulatory Commission jointly issued the Notice on Strengthening the Risk Prevention and Education Guidance of Bad Campus peer-to-peer lending. The concept of "campus online loan" first appeared in official documents, but the word "bad" was added in the meantime. The photos of overdue repayment were exposed, the arrears of 6, jumped off a building, and the loan was forced to roll over. In the recent vicious incidents of campus loan exposure, three key words are often inseparable: overdue, collection and penalty interest.

The chaos of campus online loan intermediaries: robbing Peter to pay Paul

The annual interest rate of campus online loan platforms is generally between 11% and 2%. "At first, I feel that I will lose some interest, and I will be able to pay it back when I make money later." However, a "loan" begins, and then "loan" is endless. After that, every other month or so, we have to find a new platform to borrow money and rob Peter to pay Paul.

Searching for "College Student Loan" in Sina Weibo can get more than 1,3 such accounts. Most of the blog posts are advertisements for campus loans. The advertisements are full of temptations: "Come and see me if you want to help your girlfriend empty the shopping cart", "There are dozens of loan platforms, with a maximum of 5, undergraduate students and 3, junior college students, and no charge for any payment"?

Students are not allowed to get loans without their parents

As a special branch of the online loan platform specifically for college students, campus online loans often do not need to be mortgaged. As long as borrowers provide college students' identity information and pass the personal data review, they can apply for loans.

On August 15th, the Chongqing Municipal Education Commission released a message, and the Municipal Finance Office, the Municipal Education Commission and the Chongqing Banking Regulatory Bureau jointly issued a document, listing eight negative lists for financial institutions and universities, and regulating the online lending behavior on campus. It clearly requires that "no loans shall be issued to students without the written consent of the second repayment source such as parents and guardians."

Reasons for the emergence of campus loans

Enter the words "college student loans" on the Internet, and many attractive messages such as "review in 3 minutes at the earliest, lend the money the next day" and "just provide the student ID card to handle it" come to my face instantly. At present, P2P online lending platforms for online development of student loans can be divided into several categories according to the main product types, namely, student loan platforms, student entrepreneurship loan platforms and student consumption loan platforms.

In fact, the reason why the consumer loan market for college students is so hot is mainly because the credit cards of college students in banks are broken, and college students have strong consumer demand.

Since China Merchants Bank issued the first credit card for students in 22, many banks have aimed at the campus in the "Happy Valley" of credit cards. As the number of college students holding cards keeps rising, the overdue repayment rate of college students' credit cards is also rising. Because college students have no fixed income and poor self-control, there have been many incidents in which college students overdraw their credit cards. In July 29, China Banking Regulatory Commission asked banks not to issue cards to students under the age of 18 (except supplementary cards).

The reason why everyone is eyeing the market of college students is that this group of college students has a strong purchasing power and a source of funds that does not match it. Simply put, they dare to spend but have no money: their income mainly depends on their parents, but the collective life makes them unnatural to compare with each other and imitate each other. In fact, open the website of the campus staging platform, iPhone6S, Xbox, high-end bags, perfume? All kinds of luxury goods are coming, and these high-end goods are like Pandora's box to tempt college students.

Click the next page and there are more problems with campus loans

How to deal with college students' excessive loans

If the loans have been approved and the loans are excessive, the remaining money can be used for students' daily living expenses, and the remaining money can be withdrawn. You can withdraw cash through the bank card that receives the money, or through the Alipay account that handles the student-origin student loan. As long as the loan is repaid on time, it will be fine.

If the loan has not been approved yet, you can contact the bank to withdraw the application and submit it after revision.

This is the end of the introduction about college students' loans. Otawa college students can't afford too many loans. Did you find the information you need?