The value date of the student-origin student loan is September 1 of the first year after graduation, that is, after graduation, the student loan does not enjoy financial discount and begins to repay the principal and interest. 65438+February 20th is the annual interest settlement date. Generally, before 65438+February 15, it is enough to transfer the interest payable to Alipay account. There is no need to repay the principal in the first two years, and the principal and interest are equal after graduation in the third year. For example, if the loan is 8,000 yuan and the term is 8 years, you will repay the principal 1 1,000 yuan every year. The time is also 65438+February 20th, but the deduction time last year was September 20th. Extended information: first of all, we must know the repayment method. When applying for a student loan, an Alipay account will be automatically generated. After the loan is successful, real-name management will be carried out. In this way, through the national student loan system, you can know the amount of repayment principal and interest by logging in the user name and password. In addition, through my other Alipay accounts, I can also repay the student loan. The advantage of Alipay repayment is that it is convenient and fast, and it is not restricted by regions and banks. If it is a bank counter repayment, it will be a lot of trouble. Check the repayment amount. It is not difficult for college students to master the repayment process. Students can log on to the website or call (the management center of the county of origin or the online service system of the student loan of China Development Bank) to inquire about the principal and interest to be repaid this year. Of course, remember your previous username and password when logging in. You can also use your other Alipay account. The repayment process of other Alipay accounts is: log in to Alipay account, click the application center, and drop down to find CDB student loan. When you get in, ask me for repayment. You can pay it back. The process of prepayment. Interest is paid on the loan after graduation. After the improvement of living conditions, the average college student will choose to repay the loan in advance. The process of prepayment is similar to normal repayment, but you need to apply for it yourself. Go to the website and select the prepayment application. Apply for prepayment before 10 every month (10 plus next month's interest). Early repayment does not require approval, and the balance due can be inquired after application. Deposit the money into Alipay account before 15 every month, and generally you can receive SMS reminder on the 20th deduction day. The next month 1 day, you can check the repayment status of the account by logging on the website. Overdue repayment. After the annual repayment period of 65438+February 20, I found that I forgot to repay. Don't wait until next year's 65438+February 20. You can contact the local student financial aid management center or log on to the website at the beginning of each month to inquire about the amount that should be repaid this month (sometimes there is a penalty interest). Then, according to the above method, you can repay through Alipay before 15. As a reminder, there is no penalty interest for overdue interest, that is, there is no penalty interest for the first two years, and the overdue principal is penalized. Is the penalty interest of the principal 130% of the same period interest, or is it relatively high? First of all, around April, the school will inform this year's graduates to confirm graduation. The graduation confirmation website is on the student loan information website of China Development Bank. Of course, if you are admitted to the graduate school, you can temporarily not repay the loan and renew it. As those of us who are employed and unemployed, we need to repay the loan as soon as possible. After all, the interest rate is quite high.