If you deside back to China and never come back, you could apply, if you still want to stay here or even States, please don not apply that, it will destory your credit, and you need 7 years or longer time to get rid off that, unless you 100% sure you could pay cash to buy new car or new house, no any financing, and don't need any Visa or Master card. if you can say yes right now , go for it
in your case, if you don't pay student loan back on time it will effect your future credit.