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, they must pay off their debts before they can inherit.

Legal basis: Interim Measures for the Administration of Personal Loans.

Article 11 An individual loan application shall meet the following conditions:

(a) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Article 12 A lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions.

Article 13 After accepting the borrower's loan application, the lender shall perform the duty of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.