Student loan is a subsidy policy implemented by the state for poor college students. The money was lent by major banks. If it is overdue, it will affect personal credit information. The nature of overdue 42 times is even more serious. Personal central bank's credit report has a bad credit record, and it is impossible to apply for loans and credit cards through banks and formal financial institutions before the credit report is cleared.

Individuals who have assisted loans overdue 42 times need to pay off their debts immediately and in full. If they have a credit card, they need to continue to use it and maintain good credit behavior. After 2 years, the overdue records in the credit information system will be overwritten. If you don't have a credit card, you have to wait five years. Personal credit information can only be obtained after the data in the credit information system is automatically cleared.