Foreign student

Particulier Student finance Lifelong learning credit

Lifelong learning credit

Borrowing for tuition and study fees

Are you interested in following a course of study, but are you not or no longer eligible to receive student finance? As of the 2017-2018 academic year, everyone up to the age of 55 may borrow money in order to pay for tuition fees. This is called "lifelong learning credit".
For secondary vocational education (MBO), this arrangement will go into effect on 1 August 2017 and for higher vocational education (HBO) and university, 1 September 2017.

Conditions

You will be eligible for the lifelong learning credit if you meet all 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.
  • You are doing an officially recognised study programme in The Netherlands.
  • You have Dutch nationality. You can also receive lifelong learning credit when your nationality is not Dutch, if you have a residence permit type II, III or IV. 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 originate from a EU/EEA country or Switzerland? You will then also be eligible.
  • You are not or are no longer eligible to receive student finance.
  • You are younger than 55 when you apply.
  • You are older than 30, or you already have a HBO diploma or a university degree and will now be completing a second higher education study programme.
  • Your tuition fees are not being paid or reimbursed by a 3d party, for example your employer.

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? You can then borrow more, up to 5 times the maximum 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

Repayment commences on the ensuing 1 January after you have completed your course. You will then have 15 years to pay the loan back with interest. The amount you will be required to pay depends upon your income.

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