According to the relevant policies of student-origin student loans, the debit diary of student loans is the interest settlement date of the current year. The interest settlement date of the student loan is 65438+February 20th every year. If the interest settlement date falls on a holiday, the interest settlement time will not be postponed unless it is done.

Within two years after graduation, students applying for student loans should deposit the loan principal and interest to be repaid into the Alipay account registered when applying for loans before 65438+February 65438+May every year until the system deducts the money. From the third year after graduation, if the student loan has not been paid off, the principal and interest must be repaid in the form of equal principal repayment. When the principal is repaid for the last time, all the principal and interest owed must be paid off.

Students who apply for student loans need to apply to the lending institutions within1-1every month (except 1 1) if they want to consider early repayment. The repayment date of student loans is the 20th of the current month, without the approval of China Development Bank or other lending institutions. However, in order to ensure the smooth repayment in advance, it is best for students applying for student loans to deposit the loan principal and interest into the Alipay account registered when applying for student loans before 15 of the repayment month. If the system fails to deduct money successfully, it will be deemed that the borrower has given up the application for prepayment.

If the student loan cannot be repaid on time, the subsequent consequences will be very serious. Once the student loan applied for at school cannot be returned on time, in addition to the penalty interest, it will also be written into the personal credit record and publicized to the employer, which has a great impact on the newly graduated people.