Legal analysis: It mainly depends on whether there is repayment ability and refusal to repay, whether there is malicious evasion of debts, whether there is intention to defraud loans, whether there is premeditated, whether there is false information, whether there is false application, and so on. According to the above circumstances, it will be judged as the crime of illegal loans, the crime of defrauding loans and the crime of loan fraud, of which the most serious case is the most fraudulent loans, and the maximum sentence can be life imprisonment. The ordinary loan is not repaid, which is a civil dispute. It does not violate the criminal law, and it will not be investigated for criminal responsibility, so it will not go to jail.

legal basis: article 68 of the civil code of the people's Republic of China

prohibits lending at high interest, and the interest rate of borrowing shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract is not clear about the payment of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Borrowing between natural persons is deemed to have no interest.

article 674 the borrower shall pay the interest within the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and it cannot be determined according to the provisions of Article 51 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan period is more than one year, it shall be paid at the end of each year, and if the remaining period is less than one year, it shall be paid together with the loan.