You can pay it off in one lump sum, but not directly with a CCB card, but with the Alipay account designated for the student loan.

Steps: First go to the China Construction Bank student loan interface, log in to your account, apply for early repayment, and submit the application. Log in to your CCB student loan account within 3 days to see if your application is accepted, then go to the Alipay system to log in to your designated Alipay account, and top up the money into the "balance" of the designated student loan Alipay account, one month The internal system will automatically deduct the payment on a specific date. Successful deduction means it has been paid off.

Just log in to your CCB student loan account one month later and check whether the contract has been paid off.