今年，国开行继续坚持"应贷尽贷"，足额保障贷款资金规模，全力满足每一名家庭经济困难学生的贷款 需求。同时，国开行将多措并举，进一步优化国家助学贷款服务。一是加快贷款发放，将往年11月份一 次性集中发放，优化为开学后陆续发放，让学生更早拿到贷款，安心学习。二是推行灵活还款，将此 前"预约申请、按月扣款"模式升级为"当天申请、当天扣款"模式，更好满足学生需求。三是提高95593 热线服务水平，加大对客服人员培训力度，强化7月份至9月份受理高峰期客服力量保障，着力提供响应 及时、解答专业、真诚热情的贴心服务。 今年6月份，贵州省榕江县遭遇严重洪涝灾害，原助学贷款办理点无法正常提供服务。为及时满足受灾 地区家庭经济困难学生申贷需求，国开行迅速行动，安排工作人员携带相关设备前往榕江，协助当地设 立临时办理点，与全省其他县（市、区）同步开始受理国家助学贷款申请。同时，国开行联合贵州省学 生资助管理办公室摸排情况，将对因遭受洪灾确实无力按期偿还贷款的借款人开展还款救助。 贵州某大学学生吴声媛是今年榕江县申请国家助学贷款的学生之一。她家处在此次受灾较重的区域，遭 受了不小损失，大门被冲走，洪水淹到房子二层，不少电器都损坏了。 ...

Core Points - The National Student Loan Program aims to assist economically disadvantaged students in completing their education through financial support [1][12] - The program has been activated in response to recent natural disasters, particularly in Guizhou Province, where local education authorities are facilitating loan applications for affected students [3][5] Group 1: Loan Application Process - New student loan applications can be processed through local student financial aid centers, with the program being implemented in over 20 provinces including Guizhou, Henan, Sichuan, and Gansu [7] - Students can apply for loans up to 10,000 yuan for undergraduate studies, with the application process streamlined for those who have previously applied [8][15] Group 2: Loan Disbursement and Terms - The National Development Bank has expedited the loan approval and disbursement process, allowing students to receive funds approximately two months earlier than in previous years [8] - The loan repayment terms are flexible, with students able to make early repayments without prior notice, and the repayment frequency is not limited [13][15] Group 3: Financial Support Details - The maximum loan amount for full-time undergraduate students is capped at 20,000 yuan per year, while full-time graduate students can apply for up to 25,000 yuan [15] - Interest rates for the loans are set at the market rate minus 70 basis points, and eligible students may have their interest waived for the current year [15]

Group 1 - The National Student Financial Aid Management Center and the China Development Bank held a launch meeting for the 2025 National Source Credit Student Loan program, focusing on implementing loan policies, accurately identifying needy students, and preventing illegal campus loans [1] - The acceptance of the 2025 Source Credit Student Loan will begin in mid-July, with students able to apply through the China Development Bank's online system or mobile app [1] - The China Development Bank aims to ensure sufficient loan funding to meet the needs of all economically disadvantaged students and will optimize the loan issuance process by moving from a centralized release in November to an earlier phased release [1] Group 2 - The National Student Loan program is a key part of China's student financial aid policy, promoting educational and social equity for economically disadvantaged students [2] - A reduction of 0.1 percentage points in the five-year loan market quoted interest rate (LPR) in May will lead to a corresponding decrease in the interest rate for the Source Credit Student Loan if the LPR remains unchanged [2] - The China Development Bank has issued a total of 456.9 billion yuan in student loans, benefiting 22.25 million economically disadvantaged students across 29 provinces and all recognized higher education institutions [2]

Group 1 - The Ministry of Finance, Ministry of Education, People's Bank of China, and National Financial Regulatory Administration announced the continuation of interest-free and principal repayment deferral policies for national student loans in 2025 [1][2] - From January 1, 2025, interest for national student loans due in 2025 for graduates from 2025 and earlier will be waived, with the waived interest covered by central and local finances [1][2] - Graduates can apply for a one-year deferral on the principal repayment of their loans, with the maximum loan term not exceeding 22 years, and no penalties or compound interest applied during the deferral period [1][2] Group 2 - The policy is designed to alleviate economic and employment pressures on approximately 600,000 graduates, with an estimated interest waiver of about 2.48 billion yuan [2] - The policy has been in effect since 2022 and will undergo a comprehensive evaluation in 2025 to determine its continuation in 2026 and beyond [2] - The China Development Bank, as the main institution for national student loans, will continue to optimize financial services related to student loans to enhance students' sense of well-being and security [1][2]