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※114-1丙級學生共計31人，就學期間應開始繳納利息，請惠予轉告於115年1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。。
※114-1於114年12月24日辦理本校退費。
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
**Official Announcement**
**Notice Regarding Interest Payment for Students of the 114-1 Academic Term**
To the attention of all students who have received educational loans under the 114-1 academic term:
There are a total of 31 students in this category. During their period of study, these students are required to begin paying interest on their loans. Please kindly inform all concerned parties that interest payments must commence as of January 1, 115. Students are advised to either make direct payments or authorize deductions from a designated bank account to avoid any late payments that may adversely affect their credit records.
Additionally, on December 24, 114, the University processed refunds for the relevant academic term.
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**Reminder to Students Receiving Educational Loans**
All students who have taken out educational loans are reminded that they must strictly adhere to the repayment schedule stipulated in their loan agreements. In cases where repayment cannot be made on time, students should proactively utilize mechanisms such as deferred principal repayment or extended repayment periods to avoid late payments, which could negatively impact their personal credit.
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**Repayment Guidelines**
**Question 35: What should students do if they are unable to repay the principal and interest of their educational loan on schedule? What are the consequences of late repayment?**
(1) Educational loans are not gifts or welfare subsidies provided by the government; they are preferential loans. Therefore, students must still repay the principal and interest according to the terms outlined in their loan agreements. If a student is unable to make timely repayments due to unforeseen circumstances, they should promptly and proactively contact any branch of this bank to discuss possible solutions. The bank will assess the student’s financial situation and history to determine eligibility for deferred principal repayment or an extension of the repayment period, thereby helping to alleviate repayment pressure. However, any application for such arrangements involves changes to the repayment amount, term, and related conditions, and must comply with regulations set by the Ministry of Education. Furthermore, any amendments must be approved after both the student and their co-guarantor sign supplementary agreements or other relevant documents. All parties must then fulfill their obligations under the new terms.
(2) If a student fails to make timely repayments, this bank will take legal action against both the student and their co-guarantor to recover the outstanding amount. The Financial Joint Credit Information Center will also record both parties as having不良 credit history and will make this information available for review by all financial institutions. This不良 credit record may not only affect the credit standing of both the student and their co-guarantor but may also result in rejections when applying for checks, credit cards, or other types of loans in the future. Additionally, it may negatively impact future employment or further education opportunities both domestically and internationally. Please take this matter very seriously.
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For more information, please visit:
Taiwan Cooperative Bank Home Page – Loans – Educational Loan Portal
https://sloan.bot.com.tw
Frequently Asked Questions – [Repayment Guidelines] – Question 35
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**Office of Student Affairs**
Tzu Chi University |
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