Would you like to take a study programme, but are you no longer eligible for regular student finance? If you’re younger than 57, you may be able to borrow after all.


You must meet a number of conditions in order to be eligible for a lifelong learning credit. The most important of these are:

  • You’re taking a recognized full-time, part-time or work-study programme in higher professional education (HBO) or at university (also covers modular programmes). Or you’re taking a full-time BOL programme in secondary vocational education (MBO).
  • You’re younger than 57. In the 2024-2025 academic year the age limit is 56.
  • Your tuition fees are not paid or reimbursed in full by anyone else or by an organisation, such as your employer.

Use the eligibility assistant to check if you're eligible.

How much can you borrow?

How much you can borrow per year, depends on the amount of tuition fees or course fees you are due. You can find out exactly how much you can borrow on the Amounts and payments page.


The loan is subject to interest. In 2023 the interest rate is 0.46%. In 2024 the interest rate is 2.56%.


The year after your lifelong learning credit stops, you need to start repayments.


To call

You can call us on 050 599 98 28 at:

  • Monday between 10:00 and 17:00
  • Tuesday and Thursday between 9:00 and 17:00
  • Wednesday and Friday between 9:00 and 13:00.


You can also reach us by e-mail at levenlanglerenkrediet@duo.nl.