According to the contract interest rate, the overdue interest rate will rise by 150%, and the loan interest will be borne by the borrower after graduation, and the borrower will no longer enjoy the state financial subsidy. Be sure to return it, don't be overdue. This will involve your personal credit record in the future, which will be recorded in the personal credit information system of the People's Bank of China. In the future, buying a house, buying a car, getting a credit card and guaranteeing loans will be affected, and every financial institution in the country will check it from the credit information system of the People's Bank of China.

Second, how to repay the student loan after graduation?

After graduation, student loans can be repaid in the following ways:

1. The first repayment date is 65438+ February 20th of the graduation year, and it will be the same every year from now on, except that the due repayment date of the last year is September 20th.

2. Students only need to deposit the repayment amount into the exclusive Alipay account opened in China Development Bank when they apply for student loans five days before the repayment date, and the system will automatically operate batch deduction on the repayment date.

3. If prepayment is required, you can run the application from June 1 to June 10 every month (except June 1 1). After the application is successful, you can deposit the money into Alipay before June 15 of that month, and the system will naturally deduct the money on the 20th of that month.

4. If the repayment is overdue, it is best to make up the money into Alipay before 15 of next month, so that the system can make up the deduction on the 20th of next month, otherwise it will be delayed for another month.

5. Student loans have a grace period of five years to repay the principal. Only the principal can be repaid in the first five years, and the principal and interest will be repaid after five years. And if you pay it off before graduation, there will be no interest.

Three. 202 1 repayment details of graduate student loan?

According to the relevant regulations, after students apply for student loans, there will be a third-party institution to undertake this part during their study. Then after graduation, you can only repay the interest for the first two years. From the third year of graduation, you need to repay the principal and interest every year.

Assume that the amount of student loan is 8,000 yuan, and the repayment period is 5 years, calculated according to the interest rate of student loan of 202 1 year of 4.75%. The repayment date in the first year after graduation is from September of 1 year to February 20th of 12, and the repayment interest is 380 yuan. Repayment amount in the third year 1980 yuan. After that, take this as an example

4. Can the student loan be paid off in one lump sum upon graduation?

Yes, there are several repayment methods for national student loans for college students.

(1) Before graduation, students will pay off in one lump sum or in installments;

(2) After graduation, the work unit will return all the loans to the loan issuing department;

(3) After the probation period expires, graduates will be deducted from their wages month by month within two to five years;

(4) Depending on its performance, the unit where the graduates work decides to reduce or exempt the loan repayment;

(5) For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, the parents of the students are responsible for returning all the loans.