Repayment rules

Not everybody is subject to the same rules when paying back a student loan. There are 3 different sets of repayment rules:

Rules from 2018
  • You always pay by direct debit.
  • Your ability to pay is taken into account as standard.
  • Your partner’s income always counts when calculating your ability to pay.
  • Your repayment phase lasts up to 35 years.
  • You never have to pay more than 4 per cent of your income above the ability threshold. If you are single with no children, that threshold is 100 per cent of the national minimum wage. In all other cases it is 143 per cent.
Rules from 2012
  • You always pay by direct debit.
  • Your ability to pay is taken into account as standard.
  • Your partner’s income always counts when calculating your ability to pay.
  • Your repayment phase lasts up to 15 years.
  • You never have to pay more than 12 per cent of your income above the ability threshold. If you are single with no children, that threshold is 84 per cent of the national minimum wage. In all other cases it is 120 per cent.
Rules before 2012
  • You can opt to pay by direct debit. If you do, you receive a € 0.77 discount on your monthly instalment.
  • You can apply for a reduction to your monthly instalment yourself. You decide whether or not to include your partner’s income when calculating your payments.
  • Your repayment phase lasts 15 years. If your partner’s income is disregarded, that 15-year period is extended by the number of months it is disregarded.
  • Your income is divided into bands. In each band you pay a different percentage of your income, rising as your earnings increase.

Wich rules apply to you, depends on when you first obtained student finance. In certain cases, it is possible to switch from one set of rules to another. To check what rules apply to you and if you can switch, click the button titled 'Welke regels gelden voor mij en kan ik overstappen?' (Dutch only).

Switching repayment rules

If you are entitled to switch repayment rules, you will receive a letter from us a few months before you are due to start making repayments.

If you have received this letter and you do want to switch, you can arrange this in Mijn DUO. You may switch once only.

Log in to my DUOLog in to my DUO

Logging in from abroad

Even outside the Netherlands, you can log into Mijn DUO with your DigiD.

If you are unable to do so for any reason, use the form Aanvraag overstap terugbetalingsregels instead.

Compare repayment rules

Payment method
Rules from 2018 You always pay by direct debit.
Rules from 2012 You always pay by direct debit.
Rules before 2012 You can opt to pay by direct debit. If you do so, you receive a € 0.77 discount on your monthly instalment.
Reducing your monthly instalment
Rules from 2018 Your ability to pay is taken into account as standard.
Rules from 2012 Your ability to pay is taken into account as standard.
Rules before 2012 You can apply for a reduction to your monthly repayment yourself.
Partner’s income
Rules from 2018 Your partner’s income always counts when calculating your ability to pay.
Rules from 2012 Het inkomen van uw partner telt altijd mee bij de berekening van uw draagkracht.
Rules before 2012 You decide whether or not to include your partner’s income when calculating your payments.
Duration
Rules from 2018 Your repayment phase lasts up to 35 years.
Rules from 2012 Your repayment phase lasts up to 15 years.
Rules before 2012 Your repayment phase lasts 15 years. If your partner’s income is disregarded when calculating your payments, that 15-year period is extended by the number of months it is disregarded.
Calculation of ability to pay
Rules from 2018 You never have to pay more than 4 per cent of your income above the ability threshold. If you are single with no children, that threshold is 100 per cent of the national minimum wage. In all other cases it is 143 per cent. You always pay less than under the rules from 2012
Rules from 2012 You never have to pay more than 12 per cent of your income above the ability threshold. If you are single with no children, that threshold is 84 per cent of the national minimum wage. In all other cases it is 120 per cent. You usually pay less than under the rules before 2012
Rules before 2012 Your income is divided into bands. In each band you pay a different percentage of your income, rising as your earnings increase.
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