Loan students only need to repay the loan interest within 5 years after graduation. The national student loan is a bank loan led by the government, subsidized by the government, compensated by the finance and universities, and operated jointly by banks and education administrative departments and universities to help students with financial difficulties in colleges and universities. The repayment plan of student loan principal means that the loan student only needs to repay the loan interest within five years after graduation, and the loan principal cannot be repaid until the sixth year after graduation.