20 14 students' credit loans are interest-free during the university period, and the interest generated is subsidized by the state finance. If you can pay off the loan when you graduate, you only need to pay off the principal.

If the loan is not paid off after graduation, it shall be calculated according to the benchmark interest rate of bank loans. The general student loan period is 6 years after graduation. If it is not paid off within 6 years, you need to negotiate with the loan bank separately.