Core Points - The National Development Bank will implement interest-free and principal repayment deferral for national student loans starting January 1, 2025, for students graduating in 2025 and earlier [1][4]. Group 1: Interest-Free Policy - From January 1, 2025, interest on national student loans due in 2025 will be waived for borrowers who graduated in 2025 or earlier [1]. - The interest waiver will be applied automatically without the need for borrowers to submit an application [2]. Group 2: Principal Repayment Deferral - Borrowers can apply for a one-year deferral on the principal repayment due in 2025 through the National Development Bank's online system or the "National Student Loan" app [3]. - The application for principal deferral must be submitted before the repayment date specified in the loan contract [3]. - If the deferral application is successful, the new repayment date will be the same day in 2026 as the original repayment date in 2025 [3]. - Interest on the deferred principal will be calculated according to national regulations and the loan contract, with no penalties or compound interest applied during the deferral period [3]. Group 3: Additional Information - The National Development Bank will adjust credit reporting based on the new loan arrangements and will not impose unreasonable conditions or request personal information related to the interest waiver and deferral [4][5]. - For inquiries, borrowers can contact the National Development Bank's customer service during business hours [6].