The student-origin credit education loan is a vital component of the national financial aid system, a significant initiative aimed at promoting educational equity, implementing targeted support, and safeguarding the equal right to education for students from economically disadvantaged families. Recently, the application process for the 2026 student-origin credit education loans in our province has fully commenced, with continuous efforts to enhance the quality and efficiency of student aid services, streamline procedures, and provide convenience for students and the public. To help students and parents stay informed about policy updates and facilitate the loan application process, ensuring the successful completion of studies, please refer to this comprehensive guide.

Eligibility Criteria for Loan Application

1. Possess citizenship of the People's Republic of China.

2. Be a full-time undergraduate or college student (including preparatory, vocational, and second bachelor's degree programs) or a full-time postgraduate student (master's or doctoral).

3. Have a registered permanent residence (hukou) within the administrative region of Heilongjiang Province prior to enrollment.

4. Have family income insufficient to cover basic expenses for study and living at the institution.

5. Have not applied for other types of national student loans in the current year.

Key Loan Policies

Loan Amount and Applicable Interest Rate

1. Undergraduate and college students can apply for a maximum loan of 20,000 yuan per person per year.

2. Postgraduate students can apply for a maximum loan of 25,000 yuan per person per year.

3. The loan interest rate is set at the LPR5Y minus 70 basis points, with an estimated annual rate of approximately 2.8%.

Loan Term and Repayment Policy

1. The loan term is "remaining years of study plus 15 years," with a maximum not exceeding 22 years.

2. The government provides full interest subsidies for the loan during the student's period of enrollment.

3. Graduates are eligible for a 5-year repayment grace period (including the year of graduation), during which only loan interest needs to be repaid, and no principal repayment is required.

List of Required Application Materials

Materials are categorized based on whether it is a first-time application or a renewal application. Please prepare the necessary documents in advance.

First-Time Loan Application

If both the student and the co-borrower are present for the application process, the following documents must be brought:

1. Original identification cards and household registration books (hukou) for both parties.

2. Admission notice or student ID card (an online student status verification report from the China Higher Education Student Information and Career Center is also acceptable).

3. The "Application Form" exported from the online system.

4. Students who did not participate in the pre-application process need to export the "Certification Form" from the Student Online Service System or the National Student Loan App.

Renewal Application

Online Renewal: If there are no changes to key information such as the co-borrower, simply log into the system, complete, and submit the application form online for a fully digital process.

Offline Renewal: 1. Either the student or the co-borrower can handle the renewal by bringing their original ID card and the "Application Form."

2. If a change of co-borrower is required, the student must appear in person with the new co-borrower to complete the process.

Dual-Channel Processing: Online and Offline

Unified Application Channels

Students can log into the China Development Bank Student Online Service System via computer (website: https://sls.cdb.com.cn) or use the National Student Loan mobile app to submit their loan application, export the "Application Form," and, if not pre-applied, complete the "Certification Form" simultaneously.

Processing First-Time Loan Applications

Students applying for a student loan for the first time can choose between two methods: First, the student and co-borrower can visit the local Student Financial Aid Management Center in their registered residence area to complete the process in person. Second, after completing remote authorization for the co-borrower through the CDB Student Online System, the National Student Loan mobile app, or the eSign app, the student can appear alone to finalize the application without the co-borrower's physical presence. Please follow the provided instructions to easily complete the remote authorization process for the co-borrower (once authorized, the co-borrower does not need to be present, but the student must attend in person).

Processing Renewal Applications

Students renewing their loans can complete the entire process online via the Student Online Service System or the National Student Loan mobile app. Alternatively, they can visit the Student Financial Aid Management Center in their registered residence area for in-person processing.

Fund Usage and Repayment Channels

1. Living Expense Withdrawal: For the portion of the loan exceeding tuition and accommodation fees, open the Ping An Pocket Bank app, search for "Student Loan," link the account (starting with PAB), and use the living expense withdrawal function to transfer funds.

2. Online Repayment - Ping An Pocket Bank app: Search for "Student Loan" → Link account → Select the repayment function to proceed.

UnionPay Cloud QuickPass app: Search for "Student Loan," enter your ID number → Select the corresponding contract to make a repayment.

Students and parents with inquiries can contact the student financial aid management departments across the province.