Legal analysis: Parents can't repay bank loans, which is a personal behavior and has no influence on their children's loans, schooling, employment and joining the army. However, when the debtor's children inherit the estate, they must pay off their debts before they can inherit the estate.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 675 The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.

Article 510 After the contract came into effect, the parties did not stipulate or clearly stipulated the quality, price or remuneration, place of performance, etc. They can supplement the agreement; If a supplementary agreement cannot be reached, it shall be determined in accordance with the relevant provisions of the contract or trading habits.