国家助学贷款该怎么申请？（服务港）

Core Points - The national student loan program is categorized into two types: source-based credit student loans and campus-based national student loans. The source-based credit student loans have become the main type, allowing students to apply for loans at their place of household registration before enrollment [1] - The loan features include sufficient amounts, low interest rates, and long repayment periods. Full-time undergraduate students can borrow up to 20,000 yuan per year, while full-time graduate students can borrow up to 25,000 yuan per year. The maximum loan term is the length of study plus 15 years, totaling no more than 22 years. The interest rate is set at 70 basis points below the loan market quotation rate (LPR) [1] - The government continues to support students by waiving interest for loans due in 2025 for graduates from 2025 and earlier, and allowing a one-year extension for principal repayment upon student application [1] Application Process - First-time applicants and co-borrowers can apply for loans at local education departments, requiring documents such as student ID or admission notice, identification cards, household registration books, and loan application forms. Students who have not pre-applied must fill out a "Family Economic Difficulty Student Identification Form." Continuing students can apply through the online system or mobile app [2] - The China Development Bank maintains no upper limit on the total number of loans or loan amounts, ensuring sufficient funding and supporting all students in need [2]