Group 1 - The Ministry of Education's National Student Financial Aid Center issued a warning about "student loan processing" scams, particularly during the peak period for local credit student loan applications [1][2][3] - Scammers are infiltrating student loan consultation groups on platforms like QQ and WeChat, posing as staff to defraud students [2][3] - Previous warnings were issued earlier this year regarding "student loan repayment" scams and illegal "campus loans" [1][4] Group 2 - The center advises students to be cautious and not to accept friend requests from strangers, emphasizing that the national student loan process does not require any fees or transfers [3][4] - Reports indicate that two students were scammed out of 3,500 yuan by fraudsters posing as loan facilitators [3][4] - Local police have shared common scam tactics, including impersonating officials and creating urgency through misleading statements [4] Group 3 - The national student loan program is government-led, providing credit loans to economically disadvantaged students for tuition and living expenses [5][6] - The maximum loan amounts have been increased: from 16,000 yuan to 20,000 yuan for undergraduates and from 20,000 yuan to 25,000 yuan for graduate students starting from the 2024 academic year [5] - Loan terms include a repayment period of up to 22 years, with interest rates set at 70 basis points below the market rate [5][6] Group 4 - The student loan program includes both local credit loans and campus-based loans, with specific eligibility criteria for applicants [6][9] - Students must not have outstanding loans to act as co-borrowers for others, and those under 16 require a guardian as a co-borrower [7] - Repayment schedules vary, with no payments required during the study period and structured repayments starting after graduation [8] Group 5 - Banks require cooperation with specific universities to process student loans, and students can only apply for one type of loan per academic year [9][11] - Students are advised to verify loan details through official channels and not to engage in any transactions requested via phone or online [11]

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。 ...

来源：中国新闻网 七月的风裹挟着期待与忐忑，送出一封封高考录取通知书的同时，也宣告着青春的下一站即将启程。对 于无数学子而言，这不仅是梦想的兑现，更是人生第一次真正的远行——离开熟悉的家乡，告别父母的 庇护，独自奔赴陌生的城市。 行李箱里装的是父母的牵挂，而行囊之外，还有现实的问题需要面对：第一张离家的机票、第一笔远行 的路费、第一次独立生活的开销……这些"人生第一次"的背后，或许需要一份贴心的支持。 中国银行推出的"中行惠出游·暑期季"活动，为即将踏上求学之路的学子提供专属优惠——机票折扣、 出行补贴、便捷换汇，更多灵活便捷的助学金融服务，让远行的脚步更轻盈，让父母的担忧更少一些。 因为每一次飞翔，都值得一个温暖的起点。 出行优惠，助力人生第一张机票 这个夏天，属于青春的旅行即将启程！无论是毕业季的难忘之旅，还是奔赴新学校的探索之行，中国银 行为大学生们提供专属旅行优惠，为你的第一次远行保驾护航！ 智慧金融，让校园生活更便捷 学海扬帆，朝夕争驰。为优化在校学生的日常金融体验，中行提供了长城高校学生卡服务，在校期间免 收借记卡年费、首次开卡工本费、挂失手续费等多项费用，同时在中国银行ATM办理存取款、转账等 ...

近期，由国家开发银行承办的2025年度生源地信用助学贷款在全国各地已陆续开始受理，学生可登 录国家开发银行助学贷款学生在线系统（https://sls.cdb.com.cn）或通过"国家助学贷款"手机客户端在线 提交申请材料。如有疑问，可拨打95593助学贷款服务热线咨询。 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 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—9月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，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 ...

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 core viewpoint emphasizes the importance of effectively implementing the national student loan policy for the 2025 academic year, focusing on optimizing service and enhancing risk management [1] - The National Development Bank plans to start accepting applications for the 2025 student loans in mid-July, ensuring that all economically disadvantaged students can access the necessary funding [1] - The bank aims to improve the efficiency of loan processing and enhance the student experience by collaborating with educational institutions and management departments [1] Group 2 - The National Development Bank will optimize the student loan issuance process by moving from a centralized annual release in November to an earlier phased release [2] - The bank has issued a total of 4,569 billion yuan in student loans, benefiting 22.25 million economically disadvantaged students [2] - Additional services provided to loan students include scholarships, job placements, and insurance, with 1.4 billion yuan in scholarships issued and 10,211 internship positions offered [2]

Core Viewpoint - The article highlights the resurgence of illegal "campus loans" in China, posing significant risks to students' financial well-being and urging them to adopt prudent financial practices and utilize legitimate funding sources [1][2] Group 1: Risks of Illegal Campus Loans - Illegal "campus loans" are re-emerging, severely harming students' interests [1] - Some fraudulent online lending platforms lure students with low thresholds, quick processing, high limits, and low interest rates, leading to excessive borrowing and debt [1] - Students unable to repay debts face illegal collection practices, resulting in serious consequences [1] Group 2: Recommendations for Students - Students are advised to establish a rational consumption mindset, emphasizing frugality and responsible spending to avoid overconsumption and peer pressure [1] - It is recommended to apply for financial aid through legitimate channels, such as national student loans and scholarships, to ensure academic completion [1] - If considering commercial student loans, students should communicate with parents, assess repayment capabilities, and carefully review loan agreements to ensure legality and fairness [1] Group 3: Legal Protections - In case of falling into illegal "campus loan" traps, students should remain calm, inform parents and teachers, and retain evidence such as contracts and payment records [2] - Immediate reporting to authorities is advised to protect legal rights [2]

■本报记者李美丽 6月份又是一年一度的高考季，随着新一批学子努力求学追梦，国家开发银行承办的生源地信用助学贷 款也在全国各地陆续受理申请。 "助学贷款完全消除了我的后顾之忧。这笔贷款更是精神上的鼓舞，激励我奋发努力、全身心投入学习 和科研。"翟雯航说。 2020年以来，为更好满足学生贷款需求，减轻学生还款负担，相关部门出台一系列国家助学贷款新政 策，涉及延长贷款期限、降低贷款利率、提高最高贷款额度、阶段性免除贷款利息并允许延期还本等多 方面。对此，国家开发银行积极落实国家政策要求，并推动其快速落地。 比如，在"提额"方面，国家开发银行将本专科生最高贷款额度从每人每年1.6万元提高到2万元，研究生 从2万元提高到2.5万元。在"免息"方面，国家开发银行于今年5月份发布公告，宣布将对该行承办的国 家助学贷款（含生源地信用助学贷款和高校助学贷款）2025年已扣收的应免除利息予以退还。在"延 本"方面，国家开发银行于今年4月份发布公告，宣布将对2025年及以前年度毕业的贷款学生2025年内应 偿还的国家助学贷款本金，经贷款学生自主申请，可延期1年偿还。 为实现"让信息多跑路，学生少跑腿"，国家开发银行还依托信息管理系 ...

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]