1. Must the student loan be repaid immediately after graduation?
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The student loan after graduation, whether the principal or interest, will not be repaid immediately, as follows:
1, repayment time of student loan principal
Hezu? There can be a five-year grace period for the repayment of the principal, that is, it is not necessary to start repaying the principal of the student loan until five years after graduation.
2, student loan interest repayment time
The interest before graduation is borne by the state finance and has nothing to do with the borrower himself. The graduation time is June of that year, and the interest repayment time after graduation is 65438+February 20, so there is also a half-year interval from June to 65438+February.
3. Student loans are interest-free in 2022.
That is to say, borrowing students who graduate in or before 2022 can be exempted from the national student loan interest that should be repaid in 2022. This is a notice issued by the state in May 2022, so the first interest repayment time after graduation in 2022 should be 65438+February 20, 2023.
So there is no need to repay the student loan immediately after graduation.
Second, a warm reminder
1, the repayment time of the student loan actually needs to be determined before the student loan is issued. The borrower and the loan bank agree on the first repayment date, sign a loan contract, and directly implement the repayment time agreed in the contract after graduation.
2. The loan term of the student loan is the academic system plus 65,438+05 years. The academic system is calculated according to four years of university and three years of graduate students. The longest loan period can be up to 22 years, so you can repay it slowly after graduation, not immediately or immediately.