After applying for a student loan, will it affect credit reporting after graduation?

Recently, an unusual phone call, a screen sharing, has made Mr. Yang, Danmi Town, Houxu County, Qinghai Province nearly 280,000 yuan. On June 9, 2022, Mr. Yang, who lives in Danmi Town, Hutchimore, Houxu County, received a strange phone call. The other party claimed to be the staff of the China Banking Regulatory Commission. Now that you have graduated from college, you need to cancel the status of students and convert the status of social staff, otherwise it will affect personal credit reporting. Mr. Yang did apply for a student loan, he believed in the other party, and added the other party's contact information. The other party issued a photo of his ID card and the CBRC's work permit. Mr. Yang downloaded an app. Mr. Yang entered the meeting in the app as required by the other party and opened the screen to share. Then the other party told Mr. Yang a bank card number and household name, asking Mr. Yang to provide the bank provided by the other party to the other party. In the card in the card, after the transfer is successful, you can convert Mr. Yang's student identity of the loan to the status of social staff. After the identity is converted, the money will return to Mr. Yang. In this way After the other party, the other party did not return the money to Mr. Yang, but asked him to continue the transfer. Mr. Yang realized that he was deceived, and then reported to the Interpol Brigade of the Houxian County Public Security Bureau. What exactly is a national student loan? Will it affect credit reporting for national student loans? Let's take a look at what is a national student loan? According to information on the official website of the National Student Loan Management Center, State -wide student loans are the Party Central Committee and the State Council under the conditions of the socialist market economy, using financial methods to improve the funding policy system of ordinary universities in my country, and increase the funding adopted by the funding of poor families in ordinary colleges and universities. A major measure. State student loans are led by government -led and fiscal discounts. Banks, education administrative departments and universities jointly help bank loans of poor families in colleges and universities. Lending students do not need to handle loan guarantees or mortgages, but they need to be repaid on schedule and bear relevant legal responsibilities. Borrowing students apply for loans from the bank through the school to make up for the insufficient tuition, accommodation and living expenses during the school study, and repay the installment after graduation. Studential loans generally do not affect credit reporting, unless the borrowing students do not repay the debt on time. As long as the arrears are repaid on time, do not cause the student loan overdue, and the credit loan will not have any impact on credit reporting. In addition to the national student loan, there are also credit aid loans of students from students, "green channels" of freshmen enrollment, and national inspirational scholarships such as higher education. A few days ago, the National Student Funding Management Center stated in the letter to high school graduates that if there is economic difficulties on the road to further studies, please do not worry: after entering the school, do not worry about getting the admission notice, students with financial difficulties can be funded to the local education bureau students funding from students of the local education bureau. The management center applies for credit -assistance loans for students to pay tuition and accommodation fees, and can also solve some living expenses. During school, interest will be paid for you. Family economy in the central and western regions is particularly difficult to economy, and you can also apply for new students' entry funding to obtain toll fees and short -term living expenses subsidies. When enrolling, you do n’t have to worry about all universities across the country to open the “green channel” for new students. Even if students do not raise tuition fees, students in family economic difficulties can also go through the enrollment procedures through the “green channel”. If you are a student of the original stall card, minimum insurance, special insight, etc., or other families with financial difficulties, remember to bring a copy of the relevant materials. After entering the school, do not worry about entering the school, the school will evaluate the difficulty level based on the economic conditions of the new life, and determine the corresponding funding methods and funding standards. The National Inspirational Scholarship is used to reward students with outstanding family economic difficulties. State -aids are used to subsidize living expenses. Temporary difficulties are used to alleviate sudden difficulties. There will be the opportunity to receive national scholarships, and you can also enjoy tuition compensation loan compensation for military service or employment at the grassroots level. The national scholarship awards are included in the particularly excellent full -time college (including high vocational and second bachelor's degrees) in the national admissions plan. 60,000 are rewarded each year. honor certificate. The National Inspirational Scholarship Awards are included in the national economic difficulties (including high vocational and second bachelor's degrees) in the national enrollment plan, which are included in the national enrollment plan, with 5,000 yuan per student per year. The national college student aid funding is included in the family's economic difficulties in the national enrollment plan. The full daily college students (including preparatory, higher vocational, second bachelor's degree students, excluding retired soldiers), the average funding standard is 3300 yuan per student per year, Specific standards are determined by universities within the range of 2000-4500 yuan per student per year, and can be divided into 2-3. All students of the full -time retired soldiers enjoy the national school student aid, and the funding standard is 3,300 yuan per student per year. State student loans State -owned loans are led by the government. Credit loans provided by financial institutions to students with economic difficulties of college families are preferred to pay tuition and accommodation fees during school. No more than 12,000 yuan, the interest should be borne by the state during school. The term of the student loan is 15 years, and the longest does not exceed 22 years.

Student loan interest rates are implemented at the same time the same period of the same-grade loan market quotation interest rate (LPR) reduction of 30 basis points (LPR5Y-0.3%). State -aid loans are divided into student credit aid loans and national school aid loans. Students with loan demand can consult the management department of the county (city and district) of the county (city, district) for the management department of the student registration, or the student credit aid loan, or Consultation from the student funding management department of colleges and universities to consult the campus state aid loan. Lending students cannot apply for credit aid loans and school -state national student loans at the same time during the same school year. Students' national education funding for the students of the military service correspondence to the compulsory military service, recruitment of non -commissioned officers, retired or enrolled students who are recruited to be tuition compensation, national student loan compensation, and tuition reduction and exemption. The amount of tuition compensation or national student loan compensation, according to the tuition fee paid by the student or the national student loan (including the principal and the interest generated before the principal and their repayment), After enrollment, the tuition and exemption amount will be performed according to the actual amount of tuition fees in colleges and universities. The standards for tuition compensation, national student loan compensation, and tuition -exemption standards, the maximum students of this college student do not exceed 12,000 yuan each year, exceeding the standard part will not be compensated, compensated or reduced. Normal students' public -funded education in the middle and western regions in the central and western regions of Outstanding Teachers Training Program Beijing Normal University, East China Normal University, Northeast Normal University, Huazhong Normal University, Shaanxi Normal University and Southwest University of Education directly -affiliated Normal University, as well as China In the western underdeveloped region, the outstanding teachers' targeted training programs (referred to as the excellent teacher plan) teacher students can get living expenses subsidies without paying tuition and accommodation fees during school. Outstanding students who are interested in teaching and eligible non -teacher majors can be transferred to public funding teachers in accordance with regulations within two years of admission. College returns tuition fees, accommodation fees, and reissue the living fee subsidy. Students who are interested in applying for local public funding teachers, as well as students who are recruited by local teachers recruited in the central and western provinces, can conduct specific consultations with relevant colleges. Under the premise that the students of diligence aid colleges and universities can use their spare power, they can use the work of work -assistance from university organizations to work in the spare time, and obtain legal remuneration through labor, improve learning and living conditions. Special reminders of the National Student funding management centers specially reminded: If you receive text messages, telephones, WeChat, etc. from the aid, loan, winning, winning, refund, wealth management, etc., please do not trust and communicate with teachers and parents in time. Some scammers will pretend to be university teachers, funded institutions, etc., send text messages, calls, add WeChat or QQ friends to freshmen, and use various means to cheat money. Be careful to avoid being fooled. Student funding: Open a window for Hanmen students. "This is my dream since I was a child." Sun Chuan came from Mianning Middle School in Liangshan Yi Autonomous Prefecture, Sichuan. The young man who was called the "juvenile of the construction site" by netizens had been on the hot search because he was "working at the construction site before receiving the Tsinghua admission notice", and moved countless people. In 2020, he was accepted by Tsinghua University with a score of 675 points. Sun Chuan's hometown belongs to the "three districts" and "three states" deep poverty areas. After the college entrance examination, he did not pass the summer vacation like other classmates. Instead, he worked as a small job in a construction site in his hometown to earn tuition and living expenses for himself and reduce the economic burden of the family. It is understood that Sun Chuan's tuition and tuition fees when Sun Chuan came to Beijing was funded by his hometown. During the school, the school also sent him a loving funding package. If the fiscal education investment system is a huge machine, then student funding is like the tentacles closest to soil. With fine nutrients, it nourishes one future flowers. Nowadays, more and more "cold doors" like Sun Chuan have economic guarantee while realizing their dreams. According to statistics from the Ministry of Education, since the 18th National Congress of the Communist Party of China, students' funding investment has been increasing. From 2012 to 2020, the total amount of students in my country was 1512.602 billion yuan (excluding the "two-free" and nutritional diet subsidies during the compulsory education stage), and a total of 833 million students (children) were funded. The amount of annual capital aid increased from 112.608 billion yuan in 2012 to 209.341 billion yuan in 2020, an increase of 85.90%. How to do the work of student funding is not only in the year's continuous growth of funds, but also how to protect each other in all directions and refined.据了解，党的十八大以来，我国学生资助项目从少到多，资助面从窄到宽，形成了完善的资助制度安排，实现了“三个全覆盖”，即学前教育、义务教育、 High school education, college education, and graduate education all over -coverage, full coverage of public private schools, and full coverage of students in family economic difficulties. From the institutional perspective, "not allowed a student to lose school due to family economic difficulties." "The student loan of student sources solves the problem of tuition fees. Both children can go to college. It is really good." They are mainly based on funding. In 2020, they were admitted to higher vocational schools, so they continued to apply for student loans from students. What's more convenient is that Dancheng County "moved" the first student loan business in the province to the ordinary high school, and the loan business was handled by 3 high schools in the county. Student Loans.

Today, the repayment period and application quota of the student loan have been further widened.Since 2020, the student loan has been extended from 3 years to 5 years; the term of the student loan has been adjusted from 13 years and the longest does not exceed 20 years to 15 years, and the longest does not exceed 22 years.Since the fall semester of 2021, the annual application for the annual application of ordinary college students in full -time ordinary college is increased from no more than 8,000 yuan to no more than 12,000 yuan; full -time graduate students apply for each year.16,000 yuan.People often rather rather rather than educate people and seedlings.Indeed, with a good environment and sufficient nutrients, seedlings will grow well.The same is true for people. Excellent talents may be poverty, but on the road of growth, there will be national funding for escorting.Recommendation

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Source of this article: Communist Youth League Central Committee, CCTV News, Legal Daily, Xuexin.com, National Student Fund Management Center website, China Youth Daily Client, Weibo@People's Daily, School Communist Youth League

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