6 years

The student loan needs to be paid off within six years after graduation, because the grace period for repaying the principal of the student loan is extended from three years to five years. If the principal is not repaid in five years, and the principal needs to be repaid in one lump sum in the sixth year, the loan period of the student loan is stipulated as the length of schooling plus 15 years, and the longest is no more than 22 years.

1. The longest loan period of student loans is the borrower's remaining academic system plus 15 years (no more than 22 years). The principal may not be repaid five years before graduation, but it needs to be repaid from the sixth year, but the interest generated after graduation needs to be repaid on time every year.

2. During the period from graduation to repayment of the principal, students with student loans can only repay the annual interest, but they can also choose to repay the principal in advance, so that they will not continue to generate interest.

First, 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.

Second, the term of the student source credit student loan shall be determined in principle according to the full-time undergraduate academic system plus 10 years, and the longest term shall not exceed 14 years. For those who have studied for more than 4 years or continue to study for a postgraduate degree or a second bachelor's degree, the repayment period after graduation will be shortened accordingly. The two-year grace period is for students at school and after graduation. After the grace period is over, students and their parents (or other legal guardians) will repay the loan principal and interest in installments according to the loan contract. Full-time college students (including second bachelor's degree and higher vocational students, the same below) apply for a loan amount of no more than 8,000 yuan per person 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.

Three, borrowing students in the graduation formalities, should confirm the repayment plan of student loans with the bank. 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. During the period when students are in school, 100% of the student loan interest is subsidized by the finance. That is to say, the borrower only needs to pay the student loan interest during the period of school, and only needs to pay the student loan interest within two years after graduation, and only needs to pay the student loan principal and interest from the third year.

Fourth, the repayment method of student loans.

(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.

Second, can the original student loan continue to be loaned after the college entrance examination in Jilin?

Of course. According to the national student loan regulations, borrowers who choose to continue their studies without employment can go through the formalities of deferred repayment (extension) of the loan, as long as the whole loan period does not exceed 10. Need to prove the extension of the national student loan. For example, a postgraduate entrance examination, a second degree or a bachelor's degree requires a written certificate from the school to apply. If you don't pass the exam, you still plan to repay in the current month within 24 months after graduation, whether to repay according to the equal principal and interest repayment method or the average capital repayment method; You have to pay the loan interest starting on 1 next month after graduation, so you need to agree whether to pay it in one lump sum from the first month after graduation to the month when the principal is repaid, or to spread it over the following months.

3. How long is the extension period of student-origin student loan?

The longest loan period is extended from 14 to 20 years, and the grace period for repayment of principal is extended from 2 years to 3 years. The loan interest of students during their school days is fully subsidized by the finance.

4. What should I do if the student source loan extends the school year?

Students can apply to the bank for loan extension or extension to extend the school year.