If a college student fails to repay, it can be handled by all parties through consultation, requiring the college student to repay within a reasonable period of time; If negotiation fails, the lender may apply to the court for a payment order or bring a civil lawsuit to the court according to law.

legal ground

Article 120 of the Civil Procedure Law of People's Republic of China (PRC)

The prosecution shall submit a complaint to the people's court, and submit copies according to the number of defendants. If it is really difficult to write a complaint, it can be made orally, which will be recorded by the people's court and the other party will be informed.

Article 122

Where mediation is applied to a civil dispute brought by a party to a people's court, mediation shall be conducted first, unless the party refuses to mediate.

Article 2 14

Where a creditor requests the debtor to pay money or negotiable securities and meets the following conditions, it may apply to the grassroots people's court with jurisdiction for a payment order:

(1) There is no other debt dispute between the creditor and the debtor;

(2) Payment orders can be served on the debtor. The application shall specify the amount of money or securities required and the facts and evidence on which it is based.