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※114-2丙類學生共計30人，就學期間應開始繳納利息，請惠予轉告於115年6月1日起即應開始繳納利息，請來行繳納或開立存款帳戶授權扣款，以免逾期造成債信瑕疵。。
※114-2預計於115年5月29日辦理溢貸退費(書籍費、生活費及校外賃居費)。
對申貸就學貸款學生宣導「應切實依借款約定期限履行還款義務，或善用緩繳本金及延長還款期限等機制」，避免逾期還款，影響自身信用。
【還款須知】
問三五：申貸學生如因故無法按期攤還就學貸款本息時，應如何處理？如逾期未還款者，會有何後果？
(一)就學貸款並不是政府給予學生之贈與款項，亦非福利補助，而只是一種優惠貸款。因此，貸款學生仍應依照借據之約定攤還貸款本息。如因故無法按期攤還本息時，應儘快、主動向本行各承貸分行洽商，並以借款人之財務與往來情況評估，是否申請緩繳貸款本金或延長還款期數，適時減輕還款壓力。惟前述申請事項，涉及還款金額、期限及相關還款條件之變更，須遵循教育部相關規定辦理，並於邀同連帶保證人共同簽訂增補約據或其他相關文件後，再依新的約定條件履行。
(二)貸款學生如逾期未還款者，本行會對貸款學生及連帶保證人提起訴訟求償，金融聯合徵信中心則會將貸款學生及連帶保證人之資料建檔，列為金融債信不良往來戶，並開放給各金融機構查詢。此項金融債信不良往來戶之紀錄，不僅會影響貸款學生及連帶保證人之信用，恐將於其向銀行申請支票、信用卡、或其他各種貸款時遭到拒絕，同時也會影響貸款學生及連帶保證人日後在國內、國外之就業或就學機會，請務必多加留意。
臺灣銀行首頁-貸款-就學貸款入口網 https://sloan.bot.com.tw
-常見問題-【還款須知】-問三五
ANNOUNCEMENT
**Notice Regarding Interest Payments for Category C Students in the 114-2 Academic Term**
There are a total of 30 Category C students for the 114-2 academic term. During their period of study, these students are required to begin paying interest. Please kindly inform them that interest payments should commence as of June 1, 2026. Students are advised to either make direct payments or establish a deposit account for authorized deductions to avoid any negative impact on their credit records due to late payments.
**Notice Regarding Refund of Excess Loan Amounts for the 114-2 Academic Term**
A refund of excess loan amounts (including book fees, living expenses, and off-campus rental fees) is scheduled to be processed on May 29, 2026.
**Guidance for Students Receiving Educational Loans**
Students who have applied for educational loans are reminded to strictly adhere to the repayment terms outlined in their loan agreements or to utilize mechanisms such as deferred principal payments or extended repayment periods. It is essential to avoid late repayments, as this may adversely affect their personal credit.
**Repayment Guidelines**
**Question 35: What should students do if they are unable to repay the principal and interest of their educational loan on time? What are the consequences of late repayment?**
(1) Educational loans are not gifts or welfare subsidies provided by the government, but rather a form of preferential loan. Therefore, students must still repay the principal and interest according to the terms specified in their loan agreements. If students are unable to make timely repayments due to unforeseen circumstances, they should promptly and proactively contact the relevant branches of this bank to discuss their situation. The bank will assess the borrower's financial status and circumstances to determine whether they are eligible to apply for deferred principal payments or an extension of the repayment period, thereby alleviating their repayment burden. However, any application for such adjustments involves changes to the repayment amount, term, and related conditions, and must be processed in accordance with regulations set by the Ministry of Education. After obtaining the consent and signatures of the co-guarantor on any supplementary agreements or related documents, students must comply with the new repayment terms.
(2) In the event of late repayment, this bank will initiate legal proceedings against both the student and the co-guarantor to recover the outstanding amount. The Financial Credit Information Center will also record the student and co-guarantor as having a poor credit history and will make this information available to all financial institutions. This negative credit record may not only affect the creditworthiness of the student and co-guarantor but could also result in the rejection of future applications for checks, credit cards, or other types of loans. Additionally, it may impact the student's and co-guarantor's prospects for employment or further education, both domestically and internationally. Please take note of these potential consequences.
**Taiwan Cooperative Bank Educational Loan Portal**
https://sloan.bot.com.tw
**Frequently Asked Questions - [Repayment Guidelines] - Question 35**
Taiwan Cooperative Bank
Education Loan Department |
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