I am a student of Shaanxi Normal University. During the four years, I applied for a student loan of 24,000 yuan in China Construction Bank and paid it off in ten years. Want to know how to repay the principal and interest in the end? ... Student loans generally do not exceed 8 years. That is to say, you should pay it off within four years after graduation at the latest! Student loan is generally the benchmark interest rate stipulated by the state. You don't have to bear any interest during the four-year financial discount period, but you have to bear interest after graduation. The long-term loan interest rate is 7.05%. Then the interest is 24000*7.05%*4=6768 yuan. The principal and interest add up to 30678 yuan!