The reason why the student-origin student loan is chosen for six years is that the full-time undergraduate education system is generally four years, and students have a grace period of two years after graduation, so the total is six years.

The longest term of student-origin student loan can reach 14 years, which is determined according to the full-time undergraduate academic system plus 10 years.

After students apply for student loans in their places of origin, they begin to repay the loan principal and interest in installments two years after graduation.

If students choose to pursue a higher degree, such as a postgraduate degree or a second bachelor's degree, the repayment period will be shortened accordingly.

During the period of school, students do not need to repay the student loan, and the interest is fully subsidized by the finance. Repayment begins after graduation, and the interest is borne by the students and their borrowers.