According to the relevant provisions of the student-origin credit student loan, the borrower must pay off the loan as soon as possible if it is overdue after the loan expires. This is because the loan contract clearly stipulates that the borrower should repay the loan on time. Overdue will also lead to damage to the borrower's credit record, affecting personal credit rating and future lending ability. At the same time, overdue repayment will also generate additional expenses such as penalty interest and late payment fee, which will increase the economic burden of the borrower. Therefore, in order to maintain personal credit and avoid extra expenses, the borrower should pay off the loan as soon as possible.