Scholarships

What is student finance?


Student finance for higher education comprises 4 components: a regular loan, a student travel product, a supplementary grant, and a tuition fee loan. You can decide which parts you request.




Tuition fee credit


You can borrow money to pay your tuition fees. How much tuition credit you get will depend on the type of tuition fees you pay. If you pay statutory tuition fees, you can borrow 1/12 of your tuition fees monthly. If you pay institutional tuition fees, you can borrow more. How much exactly depends on the number of your institutional tuition fees. There is a maximum: you can never borrow more than 5 times the statutory tuition fees. You must always repay the tuition fees credit after your education, with interest.




Requirements for a tuition fee credit and student loan


If you are studying at HBO or university, you can apply for a tuition fee loan. Even if you fail to meet the nationality requirements for student finance, you may qualify for the tuition fee loan. You must meet the following conditions to qualify for the tuition fee loan:

  • You are under 30.
  • You have the nationality of an EEA country or Switzerland.
  • You are enrolled in a full-time or dual course in higher professional education (HBO) or university.
  • You pay your tuition fees in the Netherlands.
  • If it wasn’t for your nationality or residency status, your course would qualify you for student finance.




Requirements for supplementary grant and student travel product


Education To be eligible for student finance you have to be enrolled at MBO, HBO or university (bachelor, master or associate degree) for full-time or dual studies that last at least for one year. You must be registered on the 1st of the month. If you are registered after the 1st, your student finance will commence one month later. Nationality You will receive student finance if you meet 1 of the following conditions:

  • You have lived in the Netherlands for 5 consecutive years or more.
  • You have come to the Netherlands to work. This must be for a minimum of 56 hours per month. Your employment contract must start on the 1st of the month. If your employment contract starts later, your student finance will commence one month later.
  • Your non-Dutch parent or partner has the nationality of an EU / EEA country or Switzerland and works or has worked in the Netherlands for a minimum of 56 hours per month.
  • You must also meet 1 of these conditions for the student travel product alone.




Is it a gift or a loan?


Your travel product and supplementary grant are a performance grant. They will become a gift once you:

  • get a diploma for higher professional education or university
  • obtain this diploma within 10 years. The 10 years starting from the 1st month that you receive student finance for higher professional education or university.
You must always repay the tuition fees credit and student loan after your education, with interest.




Supplementary grant


Whether you can get a supplementary grant depends on your parents' income. To be eligible for the supplementary grant you have to prove to DUO that you worked 56 hours a month. The supplementary grant can be or become a gift.




Student travel product


The student travel product is part of student finance. This allows you to travel for free or with a discount on public transport. The student travel product can be or become a gift. As with the supplementary grant, you need to work at least 56 hours a month to receive the student travel product.




Student loan


Do you need extra money for your studies? Then you can borrow. You can choose how much you want to borrow. You can adjust or cancel your loan monthly. You must always repay the loan after your studies, with interest.




The maximum amount of money you can receive monthly from DUO