Why did the application for prepayment of student-origin student loan fail?

The account balance is insufficient, and channels such as Alipay and WeChat have not been opened.

Insufficient account balance: If there is not enough money in the account to pay, the bank cannot complete the transaction.

Alipay, WeChat and other channels have not been opened: for many young people, they just downloaded to receive WeChat and other recommendations, but actually did not open the associated bank card.