1. National student loan: For full-time undergraduates, junior college students (including higher vocational students), graduate students and students with a second bachelor's degree, it is necessary to provide proof of poor students, as if private colleges do not enjoy it for the time being. So I'm afraid lz can only consider personal loans. . .

2. Ordinary student loans: student loans provided to students under the guidance of the credit principle.

I looked for the information of relevant institutions, hoping to help you-

At present, it is known that CreditEase, the first professional consulting service organization in China to launch "education and training credit loan", will provide student loans totaling more than 200 million yuan this year, and provide student loans for students with education and training needs. Its personalized "student loan" solution won the award of "2008 Education and Training Student Loan Leading Enterprise" issued by China Education Summit Forum in one fell swoop. Ordinary private colleges can also apply for student loans through CreditEase, and the procedures are relatively simple.

You can also refer to CreditEase's student loan cases in vocational education and training, such as the "Warm Winter Plan" project with Dana, a leading IT training institution, which plans to help 65,438+00,000 college students find jobs through IT training in the next three years. Among them, the mode of "zero down payment, low or no deposit and installment payment after employment" is very suitable for students like lz, which not only solves the tuition problem, but also helps you reduce the employment pressure.

There are three main forms of loans: national student loans; Colleges and universities use state financial funds to issue interest-free loans to students; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan. [Edit this paragraph] Second, what is the national student loan? The national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy. The national student loan is a bank loan which is led by the government, subsidized by the finance, and compensated by the finance and universities at certain risks, and jointly operated by banks, education administrative departments and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Borrowing students apply for loans from the bank through the school to make up for the lack of tuition, accommodation and living expenses during their studies at school, and repay them in installments after graduation. [Edit this paragraph] 3. Which universities have carried out the work of national student loans? Public full-time colleges and universities should actively implement the national student loan policy and cooperate with students from poor families in colleges and universities to handle national student loans. In addition, some private colleges and universities have launched national student loans, and students should pay attention to the relevant instructions in the school enrollment brochure or admission notice. [Edit this paragraph] 4. What are the conditions for applying for a student loan? 1. Full-time undergraduates (including higher vocational students), postgraduates and second bachelor's degree students with financial difficulties; 2. Have People's Republic of China (PRC) nationality and hold People's Republic of China (PRC) identity card; 3. Have full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians); 4. Honest and trustworthy, law-abiding, no illegal behavior; 5. study hard and be able to complete your studies normally; 6. Due to the family's financial difficulties, the income earned during the school period is not enough to cover the basic expenses (including tuition, accommodation and basic living expenses) needed to complete their studies. [Edit this paragraph] 5. How many national student loans can students apply for each academic year? The maximum loan amount per student per academic year does not exceed 6000 yuan. [Edit this paragraph] VI. How to apply for a national student loan? Generally speaking, students from poor families need to apply for national student loans from local banks through their schools. In principle, students apply once during their school days, and the bank issues national student loans by stages. [Edit this paragraph] VII. What materials do I need to provide to apply for a national student loan? 1. Apply for a national student loan; 2. Copy of my student ID card and resident ID card (minors must provide valid identification of legal guardians and written consent to apply for loans); 3. I explain the family's financial difficulties; 4. Proof of family financial difficulties issued by the relevant department where the student's family is located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them. [Edit this paragraph] VIII. Who will review and approve students' applications? The relevant departments of the school are responsible for the qualification examination of the national student loan application submitted by the students, and checking the authenticity and completeness of the materials submitted by the students; The bank is responsible for the final examination and approval of student loan applications.