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]

海南日报讯(海南日报全媒体记者 党朝峰)日前，海南日报全媒体记者从海口市教育综合服务中心 获悉，2025年生源地信用助学贷款受理工作自启动以来，截至目前，已有1800名学生首次申请助学贷 款，737名学生通过审核并已签订或准备合同。海口生源地信用助学贷首贷申请9月13日截止。 可以申请贷款的学生需被根据国家有关规定批准设立、实施高等学历教育的全日制普通本科高校、 高等职业学校和高等专科学校(含民办高校和科研院所、党校、行政学院、会计学院等培养单位，学校 名单以教育部公布的为准)正式录取，取得真实、合法、有效的录取通知书的预科生，全日制新生或高 校在读学生、本专科学生、研究生和第二学士学生。 在首次申请贷款前，学生无重复贷款，且当年没有获得其他助学贷款。 学生家庭经济困难，家庭经济收入不足以支付学生在校期间完成学业所需的基本费用。符合孤儿及 残疾人家庭、城镇低保户、 遭受自然灾害等条件之一的优先支持。 全日制普通本专科学生(含第二学士学位、高职、预科班学生)每人每年申请的贷款额度不低于1000 元，且不超过2万元;全日制研究生每人每年申请额度不超过2.5万元，且不低于1000元。贷款主要用于 解决学费和住宿费。 ...

Core Points - The Xi'an Education Bureau has launched the 2025 credit student loan program, providing consultation hotline numbers for students and parents [3] - The credit student loan is aimed at financially disadvantaged students, allowing them to apply for loans before enrollment in their home county [3][4] - Loan amounts for full-time undergraduate students range from 1,000 to 20,000 yuan per year, while for graduate students, it ranges from 1,000 to 25,000 yuan per year [3][5] - The maximum loan term is the remaining study period plus 15 years, not exceeding 22 years, with interest rates set at LPR5Y-0.7% [3][4] Eligibility Criteria - Applicants must be Chinese nationals and enrolled in approved full-time higher education institutions [4][5] - Students must have a legitimate admission notice and their household registration should ideally be in the same county as the loan application [5] - Applicants must demonstrate financial need and should not have received other national student loans in the same year [5]