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Student loan: the reality of every student

Student loan was once an additional loan with the student grant, since 2016 the student grant has been converted into a loan: the study surplus.   Studying costs money. Students pay …


Student loan is always a gift.

This allows the study costs, (part of) living expenses, health insurance and tuition fees to be paid. You do not get student loan ( student loan ) automatically. This must be requested from. Student loan is only paid when all conditions are met. In higher education, student loan is always awarded as a performance-related grant. In addition to your stufi, you can also borrow cheap as a student. You will have to pay off this low interest loan within a few years after your study.

Student loan 

If you are 18 years or older and follow a full-time study program in vocational education, you are normally entitled to student loan . If you qualify for this, the student grant will start the first month of the quarter following your 18th birthday.

Student loan can consist of:

  • Basic grant
  • Supplementary grant
  • Interest-bearing loan
  • OV student card

If you are doing a vocational training at level 1 or 2 as a student , your student loan is always a gift. When you have finished your education, you will only pay back an interest-bearing loan. If you follow your education at level 3 or 4, you will receive student grants as a performance grant.

Entitlement to student loan applies as long as you are registered.

Calculate student loan for HBO

If you attend a full-time (or dual) program at a university of applied sciences / HBO or university, you are normally entitled to student loan . If you are entitled to student loan, you are also entitled to the OV student card.

This student grant when you are in a college or university can consist of:

  • Basic grant
  • Supplementary grant
  • Interest-bearing loan
  • Tuition Credit
  • OV student card

In higher education, student loan is provided as a performance grant. This means that the financing is first paid out as a loan. When sufficient work is performed, the student loan is converted into a donation afterwards. The interest-bearing loan and the tuition fee credit must be repaid after the training.

Apply for student loan

If the student loan is not sufficient, extra money can always be borrowed from a lender. We have collected the better money providers on this website. As a student borrowing is very normal, students often earn back very quickly after their studies. Make a choice and request a completely free loan offer for free!