The longest loan term of student-origin student loan: the remaining academic system plus 15 years, and the longest is no more than 22 years.

For example, if you are a freshman this year and graduate four years later, then applying for a student-origin loan is 4+ 15= 19. If you plan to go to graduate school after graduation, you can continue to apply for student loans.

If you don't plan to continue your studies, you need to repay the interest in September of the year of graduation, or you can return the principal in advance.

Repayment began in September of that year after graduation, and only interest was paid in the first two years, and then principal and interest were paid.