You also need to use your ID card to bind a bank card to Alipay (any bank can do it), and then pay the tuition with you before withdrawing money (if there is still money on Alipay). For example, your tuition fee is 4,000 yuan, but you have a loan of 5,000 yuan, so there is still 1000 yuan left in Alipay in the second year after you pay the tuition fee, so you have to take the money from it to your bank card and take it out at the ATM as living expenses, understand?