Just don't worry about it. Some places say that it is unreasonable to require loans to be repaid after graduation or graduation. After all, there are some interests involved. If you borrow money, the bank will benefit. Of course, unless you have to borrow for many years to sign a contract, there has never been such a policy for student loans. The loan is voluntary. No loan in the second year, and repayment will be started only after graduation. Those who continue their studies after graduating from undergraduate courses may apply for an extension until they graduate from master's degree. Interest during school is paid at a discount by the state. You don't need to pay interest until you graduate. Pay attention to the interest for the next four months in the year of graduation. The state will only help you pay the interest before August 3 1 of the year of graduation, and you need to pay the interest after that because you have graduated.