This kind of thing, whether it is derailed or not, is generally determined by the authoritative department. It is not good for us to draw this conclusion. According to the information you provided, firstly, there is a bank loan agreement, which is a reliable guarantee, and loans issued by banks are generally reported; Second, the interest rate you mentioned is also within a reasonable range. Generally, this kind of consumer loan is higher than mortgage, which is normal. It's just that you just graduated from school and don't know much about the nature of this kind of loan.

I suggest you borrow money for a period of time to check your personal credit information. You have credit information records, which are basically formal institutional loans with high credibility. Unreliable is subjective. For example, buying a mobile phone in a mobile phone shop has stages. There are stages to buying a car. You should mainly choose a more reliable store. You have to see the training institution.