Legal Analysis: loans overdue will not affect children's schooling. The user's own loan records in loans overdue will be uploaded to the personal credit report, which will mainly affect personal credit, but will not affect the family. Unless the user is listed as a faithless person, at this time, he will be restricted from high consumption, which will have an impact on his children's schooling. Children are not allowed to go to private schools or study abroad. Only in the case of loans overdue, even if the lender sues, it will only ask the user to pay back the money, and will not restrict the children from going to school.

Legal basis: Article 193rd of the Criminal Law of People's Republic of China (PRC) is under any of the following circumstances. Whoever defrauds a bank or other financial institution of loans for the purpose of illegal possession, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) fabricating false reasons such as introducing funds and projects; (two) the use of false economic contracts; Using false documents; (four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral; (5) obtaining loans by other means.