It's entirely possible. The student loan is paid off in one lump sum. According to the regulations, student loans can be paid off within two years after graduation.

Second, does the student loan generate interest only two years after graduation?

Spread out completely

Come on, I'll record interest after graduation.

3. Is it appropriate to repay the student loan two years after graduation?

Yes, there is a grace period for students during school and two years after graduation. After the grace period is over, students and their parents (or other legal guardians) will repay the loan principal and interest in installments according to the loan contract. Of course, if you have sufficient funds on hand, it is recommended to repay the principal, because the principal determines the amount of interest. If it can reduce the burden, it is better to repay the loan and reduce the interest. Although it is not much, it can be saved. It is more cost-effective to repay at this time.

4. How long is the repayment period of college students' loans in 2022 after graduation?

Student loans are generally repaid monthly according to bank regulations after graduation. Within 2 years after graduation, you only need to pay interest at the central bank loan rate every month without paying the principal; From the third year to the sixth year after graduation, you need to repay the principal and interest at the same time every month. From the third year to the sixth year, divide your total loan by 48, which is the monthly principal payable.

How long will it take to repay the student loan after graduation? General student loans will be repaid monthly according to bank regulations after graduation. Within 2 years after graduation, you only need to pay interest at the central bank loan rate every month without paying the principal; From the third year to the sixth year after graduation, you need to repay the principal and interest at the same time every month. From the third year to the sixth year, divide your total loan by 48, which is the monthly principal payable. It must be paid off in full within six years after graduation. Repayment method of student loan: before graduation, students will pay off in one lump sum or by stages; After graduation, the work unit will return all the loans to the loan issuing department; After the probation period expires, graduates will be deducted from their wages month by month within two to five years; Depending on their performance, the graduate work unit decides to reduce or remit the loan repayment; For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, their parents should be responsible for returning all the loans.

Repayment period of student loans Student loans are generally repaid on a monthly basis according to bank regulations after graduation. Within 2 years after graduation, you only need to pay interest at the central bank loan rate every month, without paying the principal.

1. After graduation, you need to repay the principal and interest at the same time every month from the third year to the sixth year. From the third year to the sixth year, the total loan divided by 48 is the monthly principal payable. It must be paid off in full within six years after graduation.

2. The monthly interest rate of the loan is about 6‰, and the monthly interest is the unpaid loan principal multiplied by 6 ‰.

3. Generally, when you graduate, you will sign a repayment agreement with the bank, and the monthly repayment amount is basically a fixed figure. Of course, if you have the repayment ability, you can choose to pay it off at any time within 6 years after graduation. Before paying off, repayment must be made in accordance with the above provisions.

4. Before graduation, the school will handle a bank card specially used for repayment. The monthly interest after graduation should be deposited in the card on time and in full at the beginning of the month, and the bank will automatically deduct it on a fixed date every month. So you need to make sure you have this card. If you want to pay off the principal in one lump sum, you must go to the loan bank where the school is located. If you don't have time to go back, you can give money to your friends and let them do it for you. One-time repayment of the principal cannot directly deposit the money into the card, which is invalid.

In order to be sure, you still need to get in touch with the school and know the specific regulations of the school. There will be an office dedicated to student loans under the student office of a general school. Just try to contact them. If you don't have that card, you need to go to the bank where you borrowed money to apply for a special bank card for repayment.