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.
What do you have to do?
It’s not possible to change your loan in April. From May you will once again be able to change it via Mijn DUO. For more information, see DUO is upgrading.
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.