Classmate, your question should be the first time you apply for a student-origin loan. The balance of this student loan will not be paid to your bank card. When applying for a loan, you should be required to authenticate your Alipay account with your real name. After the certification is completed, when the student-origin student loan is approved (generally you will not be informed, basically one month after the start of school), you can withdraw it from Alipay, so you have to do it yourself.