Learn first, pay by installment, not a loan. According to relevant public information, installment payment after study is a service provided by education and training institutions. Students can choose to pay tuition by installments according to their own financial situation, but there is no need to provide guarantee and no fixed repayment plan. This way is more like an ordinary consumption pattern, similar to choosing to use installment payment instead of real loans when shopping. Learning first and paying later means that students can choose to pay tuition by stages in the process of receiving education and training, that is, learning first and paying later.