If the loan is repaid in advance, the handling bank will calculate the interest according to the actual term of the loan, and will not charge any other fees except the interest payable. Interest = loan amount * corresponding annual interest rate * loan days/conversion rate network.
Simply put, you don't have to pay interest when you study until you graduate within one year. Wait until the interest rate is 0.5% one year later, and then repay the loan at the bank or branch.
The student loan for the last three years after college is 15000 yuan, and only the interest is paid for the first two years after graduation, with the interest rate of 7.2%. When only the interest is paid in the previous two years, the quarterly interest payable = 15000×7.2%÷4 = 270 yuan.