During the first year of the loan phase you still qualify for the student travel product. If you do not want a loan but still want to travel for free, you can apply for a loan of € 0.
Changing your loan amount
Log in to Mijn DUO to change your loan amount.
If you cannot log in to Mijn DUO, use the form Wijzigingen student.
Every month in which you have a loan of € 0, this counts as a used study grant month. You cannot reapply for student finance for these months later on.
Student travel product is a loan
Your student travel product is a loan. If you graduate within 10 years, the student travel product loan will be converted into a gift. If you do not graduate, you will have to repay the student travel product.