Foreign student

Particulier Student finance Lifelong learning credit

Lifelong learning credit

Borrowing for tuition and study fees

Do you intend to start a study programme, but are you not or no longer eligible for student finance? As of the academic year 2017-2018, you may borrow money to pay tuition fees, under certain conditions. This is called "lifelong learning credit".
This arrangement will go into effect on 1 August 2017 for secondary vocational education (MBO), and on 1 september 2017 for higher vocational education (HBO) and university.

Conditions

You have to meet all of the following conditions:

  • You are either a full-time or part-time student at an HBO or a university, or you are a full-time student at an MBO. Your study programme must be officially recognised in The Netherlands
  • You have Dutch nationality.
    You can also receive lifelong learning credit when your nationality is not Dutch, or if you have a residence permit type II, III, IV or V. Do you have a residence permit type I? Complete the nationality chart to check whether you can receive credit anyway. Do you, your partner or one of your parents come from a EU/EEA country or Switzerland? Then you are eligible as well.
  • You are not or are no longer eligible to receive student finance.
  • You are older than 30, or you already have a HBO diploma or a university degree, and you are about to start a 2nd study programme in higher education.
  • You are younger than 55 when the lifelong learning credit takes effect.
  • Your tuition fees are not being paid for or reimbursed by another authority or person, for example your employer or your parent(s).

Applying for lifelong learning credit

You can apply for lifelong learning credit as from June 2017, through Mijn DUO.

How long to borrow for?

You can receive the credit for the nominal duration of your course. For most courses, this is 4 years. If you are following a part-time course at an HBO or a university, you will be allotted 1 additional year.

How much can you borrow?

Per year, you can borrow up to the amount of the statutory tuition fees. Do you pay institutional tuition fees or course fees? Then you can borrow up to a maximum of 5 times the amount of the statutory tuition fees.
It is not possible to receive more lifelong learning credit than the amount you have to pay for tuition fees.

Repayment

When your entitlement to lifelong learning credit ends, you start paying back on January 1st of the following year. You will then have 15 years to pay back the loan with interest. The monthly instalment you have to pay depends on your income.

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