Generally, it has no effect on children's exams. If the loan is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments; If the lending institution fails to perform the judgment of the court within the performance period after suing the court and winning the case, it will apply to the court for enforcement; When the court accepts enforcement, it will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law. If parents are pulled into the blacklist of dishonesty, it will have an impact on their children's political examination for postgraduate entrance examination.