If you apply for prepayment, but you don't pay back the money, your credit will not be affected. You can continue to apply next month, and you can pay off the loan without interest before graduation (you need to apply for prepayment before 15), and you don't need to confirm your graduation.

You don't need graduation confirmation to pay off the loan before graduation, to go to school after graduation, and to follow up the loan after graduation. It doesn't matter whether you do it or not. College teachers review students' applications for graduation confirmation and repay them in full and on time after graduation. There are no other procedures.

Precautions:

Read the loan contract and inquire about your repayment plan, and repay in full on schedule.

If you want the principal that has not yet expired, you must first log in to the student online service system to apply for early repayment. Every month (except 1 15), the application before 15 (inclusive) will be charged on the 20th of the month (the charging process may last until 2 1), and the application after 15 will be charged on the 20th of the next month.

If the student loan account is an Alipay account, you can use the active repayment function, otherwise the system will automatically deduct the money and deposit it in this Alipay balance.