Legal analysis: If you want to join the army, people with repayment ability can pay off all the loans in advance before joining the army, and then you don't have to pay them back. If you can't pay off all in advance for the time being, you can continue to repay according to the repayment plan, as long as you ensure that each repayment account has enough money for the bank to deduct. Because a bank payment agreement is usually signed when a loan is made, as long as there is enough money in the repayment account, the bank system will automatically deduct the payment from the repayment account on each repayment date.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.