Bank of China is one of the four major banks. If you fail to repay your loan, it will have a great impact on you. For example, if you apply for a credit card, get a loan to buy a house, or buy a car in the future, your credit problem will be taken into consideration. After all, Dane's student loan is not a lot of money. There is no need to worry about this little money to affect his future. It's already too early.