Note that, universities could accept people who did not attend school if they passed their university entry exams because so many people were unable to attend schools because they were all closed and teachers purged during the Cultural Revolution.
I would say he "matured" later mainly because he did not have the right opportunities because he could not go to high school and after his university graduation, had no good opportunities because many good professors were purged during the Cultural Revolution so he fled to the US for a better life.
Source: https://www.newyorker.com/magazine/2015/02/02/pursuit-beauty
And I quote from the above source which is from a 2015 New Yorker interview with Zhang:
'I asked Zhang, “Are you very smart?” and he said, “Maybe, a little.” He was born in Shanghai in 1955. His mother was a secretary in a government office, and his father was a college professor...As a small boy, he began “trying to know everything in mathematics,” he said. “I became very thirsty for math.”...The [Cultural] revolution had closed the schools. He spent most of his time reading math books that he ordered from a bookstore for less than a dollar.'
As well:
'...when he was fifteen he was sent with his mother to the countryside...where they grew vegetables. His father was sent to a farm in another part of the country. If Zhang was seen reading books on the farm, he was told to stop...After a few years, he returned to Beijing, where he got a job in a factory making locks. He began studying to take the entrance exam for Peking University, China’s most respected school: “I spent several months to learn all the high-school physics and chemistry, and several to learn history. It was a little hurried.” He was admitted when he was twenty-three.'