Students with student loans are interest-free during their school days. For example, if they have four years of undergraduate study, they can take out loans for four years. These four years are interest-free and all subsidized by the state finance. Generally, interest will not be charged until September of the graduation year.

After graduation, college students can continue to renew their loans if they choose to pursue a higher degree (graduate, second bachelor's degree). After the loan renewal is successful, the student loan will continue to be interest-free. ?

We also need to note that the first five years after graduation is a grace period to repay the principal. Although interest is calculated, only the principal can be repaid during this period. Five years have passed, and the principal and interest can be repaid.