First, whether to be exempted from liability and what kind of responsibility to bear need to be determined according to specific circumstances. "Guarantee Law" stipulates that if the creditor fails to ask the guarantor to assume the guarantee responsibility within six months after the expiration of the guarantee period and the performance period of the principal debt agreed in the contract, the guarantor shall be exempted from the guarantee responsibility. That is to say, if the bank does not ask you to bear the repayment responsibility within six months after the guarantee period agreed in the contract or the repayment period agreed upon expires, then your guarantee responsibility will be exempted. If the bank has asked you to repay according to law, and you have not been exempted from the guarantee responsibility, you should repay. You can recover from the debtor after repayment. For the part that cannot be recovered from the debtor, it may recover from other joint guarantors and ask others to bear the responsibility. You can divide it according to the proportion you agreed. If there is no agreement, it can be divided equally.

Second, the statute of limitations for civil cases is two years. Whether it is due or not depends on how the repayment date of the loan is agreed.