To calculate the interest on a student loan with an interest rate of 4%, the loan amount should be multiplied by the interest rate and then multiplied by the loan term. For example, if the loan amount is 6,543,800 yuan, the interest rate is 4% and the loan term is 654.38+ 00 years, then the interest is equal to 654.38+00 yuan multiplied by 4% multiplied by 654.38+00 years, that is, 40,000 yuan. This means that during the period of 10, students have to pay interest of 40,000 yuan.