The loan period of the national student loan is academic system plus 15, and the longest period is no more than 22 years.

The actual age of the maturity date of the individual student loan shall not exceed 55 years old; The shortest term of an individual loan for studying abroad is 6 months, usually 1~-6 years, and the longest is 10 years.

In principle, the term of commercial student loans is the borrower's schooling years plus 6 years.