Student loans can be partially repaid first. The national student loan is a bank loan led by the government, subsidized by the government, compensated by the finance and universities, and jointly operated by banks, education administrative departments and universities. If the loan is repaid in advance, the handling bank will calculate the interest according to the actual term of the loan, and will not charge any other fees except the interest payable. So I have the ability to repay part of it in advance.