The loan application period of student loan refers to the loan period of student loan. Under normal circumstances, the term of student loans is between 6 years and 14, and the longest loan term is subject to the academic year plus 10. Often there is no need to repay during school. In addition, it should be noted that if the full-time undergraduate program lasts for more than 4 years or continues to pursue postgraduate or second bachelor's degree, the repayment period will be shortened accordingly after graduation.

Assuming that the student's loan application period is 6 years, it means that the student needs to pay off the loan principal and interest within 2 years after graduation. If students apply for a student loan for 8 years and continue to study after graduation, it means that students need to pay off all the loan principal and interest within one year after graduation.

It is worth mentioning that the interest generated by students' loans during their school days is subsidized by the state finance, and students do not need loan interest during their school days.