I am a student of Shaanxi Normal University. During the four years, I applied for a total of 24,000 student loans from China Construction Bank, which will be paid off within ten years. I want to know how to repay the principal and interest in the end. ... Under normal circumstances, student loans shall not exceed 8 years. In other words, you have to pay it off within four years after graduation at the latest! Student loan is generally the benchmark interest rate stipulated by the state. You don't have to bear any interest during the four-year financial discount period, but you have to bear interest after graduation. The interest rate for long-term loans is 7.05%. Then the interest is 24000*7.05%*4=6768 yuan. The total principal and interest is 30678 yuan!