Reduced monthly instalments

When calculating your monthly instalments, DUO usually automatically takes your income into account. This can mean that you pay less. Your payments could even be reduced to zero. Sometimes, however, you have to request a reduction yourself.

When do you need to request a reduction?

Whether you need to apply for a reduction yourself depends upon the repayment rules you fall under.

Only if the pre-2012 rules apply do we not automatically look at your income. In that case you have to request a reduction yourself. If you’re covered by more recent rules, we already take your income into account.

Which income?

We look at your income from 2 years ago (including your partner’s, if you have one). We obtain this information from the tax authorities.

Your partner’s income

If you have a partner, their income also counts in our calculations unless you are covered by the pre-2012 repayment rules. In that case you can choose whether or not to include their income. For each year that you don’t include it, your repayment phase is extended by one year.

Falling income

If your income (including your partner’s, if relevant) has fallen in the past 2 years, you can ask us to look at a more recent year. We call this changing the reference year.

Apply in Mijn DUO

Only if you fall under the pre-2012 repayment rules do you need to apply for a reduction in your monthly instalments. You can do this this in Mijn DUO. We then request details of your income from the tax authorities.

If you are subject to more recent repayment rules, you do not need to request a reduction yourself. We take your income into account automatically when calculating your instalments.

Log in to Mijn DUOwith DigiD

Deferred tax returns

If you have not filed a tax return because you have been granted a deferral, you should provide us with an estimate of your income from 2 years ago so that we can calculate your monthly instalment. If the actual income recorded once you have filed your tax return differs from this, we will recalculate that amount.

If you are not required to file tax returns, you can tell us the taxable salary shown on your annual tax assessment from 2 years ago.

Applications from abroad

Even outside the Netherlands, you can log into Mijn DUO with your DigiD. If you have a non-Dutch income, you must upload proof of how much you earned with your application.

If you are unable to log in for any reason, use the form Income statement for a request for a lower monthly instalment.

Applications from the Dutch Caribbean

If you live on Aruba or Curaçao and have a Citizen Service Number (Burgerservicenummer, BSN), you can apply for reduced monthly instalments in Mijn DUO.

Do you not have a BSN or you live on Sint Maarten or in the Caribbean Netherlands (Bonaire, St Eustatius, Saba), use the form Verzoek verlagen maandbedrag voor inwoners van Aruba, Curaçao, Sint Maarten of Caribisch Nederland. Enclose with this a completed Machtiging verklaring inkomstenbelasting.

Starting date

If you apply for reduced monthly instalments before 1 January of the year in question, if granted they take effect from 1 January. If you apply during the course of the year, they take effect from the calendar month immediately following the date of your application.

Automatic renewal

The calculation used to set your reduced monthly instalment is valid for 1 calendar year. After that year we automatically request details of your income from the relevant authorities. You do not have to take any further action. If we are unable to obtain the information we need for any reason, we will notify you.

Verbergen Sluiten
Wat vind je van de website?

We willen onze website graag beter maken. Help je ons verder? Het duurt ongeveer een minuut.

Ja, ik doe mee

We willen onze website graag beter maken. Help je ons verder? Het duurt ongeveer een minuut.

Ja, ik doe mee

We willen onze website graag beter maken. Help je ons verder? Het duurt ongeveer een minuut.

Ja, ik doe mee

We willen onze website graag beter maken. Help je ons verder? Het duurt ongeveer een minuut.

Ja, ik doe mee