"宣讲讲得很明白，这个贷款不仅可以交学费和住宿费，超出的部分还可以弥补日常生活费。" 近期，辽宁省生源地国家助学贷款政策宣讲活动持续在全省各市开展。宣讲覆盖普通高中、中职学 校及高校，宣讲对象包括高中毕业班班主任、高校辅导员、市县区资助工作者及高校在校生。宣讲通过 翔实数据和生动案例将政策讲解得清晰易懂，推动国家助学贷款政策精准落地。预计寒假前，全省开展 宣讲700余场。 "宣讲对我们来说也是一次集中培训，高三班主任以此为契机，把最新的政策吃透，在期末家长会 上向家长进行普及和宣讲。"抚顺市雷锋高级中学德育主任徐兴涛说。 本次宣讲不仅解读政策，还针对学生和家长"谈贷色变""怕被骗""怕申请麻烦、信息泄露"等顾虑逐 一解释说明，并重点介绍申请流程，让各校相关工作者和高校大学生对国家助学贷款纯信用、财政贴 息、额度灵活、利率低、期限长等显著特征有更全面的了解。 让政策宣讲从"大水漫灌"转向"精准滴灌"，各校接下来将面向学生进行更有针对性的宣讲。"我们 要求班主任主动了解每一名学生及家长的实际需求，为有助学贷款需求的学生提供咨询。"沈阳市第三 十五中学副校长白兰介绍，学校将设立专门的政策咨询站，把政策要点张贴在校园 ...

Core Viewpoint - The event organized by the Provincial Education Department and the National Development Bank of Liaoning Province aims to promote the national student loan policy, ensuring that economically disadvantaged students in Liaoning can pursue their education without financial worries [1][2]. Group 1: Event Overview - The policy promotion event took place at several educational institutions, including Shenyang Aerospace University and China Medical University, to inform students about the national student loan policy and application process [1]. - The event attracted nearly a thousand teachers and students, indicating strong interest and engagement in the student loan program [2]. Group 2: Policy Details - The National Student Loan is a crucial part of the student financial aid system, aimed at promoting educational equity and supporting the construction of a strong nation in education, technology, and talent [1]. - Detailed information was provided on the favorable policies of the credit student loan, including application conditions, loan amounts, usage, and repayment rules [1][2]. - The event highlighted that during the school period, the interest on national student loans is fully subsidized by the government, making it more accessible for students [2]. Group 3: Impact on Students - The promotion of the student loan policy has alleviated concerns among students regarding their financial situations, allowing them to focus on their studies [1]. - A student from Shenyang Aerospace University expressed that the loan application process is convenient and quick, which helps them concentrate on their education [2]. Group 4: Future Plans - The Provincial Education Department and the National Development Bank of Liaoning Province plan to form a student loan policy promotion team to conduct further outreach across the province, especially in county-level high schools and higher education institutions [2].

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]

Group 1 - The National Development Bank (NDB) has commenced the acceptance of student loans for the 2025 academic year, allowing students to apply online through the NDB's student loan system [1] - NDB continues to adhere to the principle of "full lending" to meet the loan demands of economically disadvantaged students, ensuring sufficient loan funding [1] - The bank is implementing several measures to optimize the student loan service, including accelerating loan disbursement and enhancing customer service [1] Group 2 - In response to severe flooding in Guizhou Province, NDB quickly established temporary loan processing points to assist affected students in applying for loans [2] - Affected students, such as Wu Shengyuan, have reported significant financial burdens due to the disaster, but the availability of student loans has provided crucial support for their educational expenses [2] - NDB is also collaborating with local authorities to provide repayment assistance for borrowers unable to repay loans due to the flooding [2] Group 3 - NDB has reported that as of the end of 2024, it has issued a total of 4,569 billion yuan in student loans, benefiting 22.25 million economically disadvantaged students [3] - The bank aims to enhance the efficiency of loan processing and improve the experience for students applying for loans [3] - The bank's social welfare department emphasizes the importance of ensuring that national policies effectively support every economically disadvantaged student [3]

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]