Repayment rules

New terms

The terms for repaying student debt have changed:

  • 'Rules from 2018' is now 'SF35'
  • 'Rules from 2012' is now 'SF15'
  • 'Rules before 2012' is now 'SF15-old' 
  • 'Rules for the lifelong learning credit' is now 'SF15-lllc'

Not everybody is subject to the same rules when paying back a student loan. There are 4 different sets of repayment rules:

SF35
  • 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 period 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.
SF15
  • 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 period 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.
SF15-old
  • 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 period 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.
SF15-lllc

If you have to repay lifelong learning credit, slightly different rules apply.

Which rules apply to you?

In Mijn DUO you can find what repayment rules apply to you.

Switching repayment rules

Sometimes you may switch repayment rules. You will then 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. Do this before the start of your repayment period. After that, switching is no longer possible.

If you switch, the rules you chose will take effect as soon as the repayment period starts.

Applying for switching

If you are unable to log in to Mijn DUO, use the Aanvraag overstap terugbetalingsregels form instead.

Compare repayment rules

Payment method
* In addition to the lifelong learning credit, do you also have a debt under the rules from SF15-old? Only for the latter you will receive the € 0.77 discount if you pay by direct debit.
SF35 You always pay by direct debit.
SF15 You always pay by direct debit.
SF15-old You can opt to pay by direct debit. If you do so, you receive a € 0.77 discount on your monthly instalment.
SF15-lllc You always pay by direct debit. *
Reducing your monthly instalment
SF35 Your ability to pay is taken into account as standard.
SF15 Your ability to pay is taken into account as standard.
SF15-old You can apply for a reduction to your monthly repayments yourself.
SF15-lllc Your ability to pay is taken into account as standard.
Partner’s income
* In addition to the lifelong learning credit, do you also have a debt that is subject to rules from SF15-old? In that case, you can decide for yourself whether or not to include your partner’s income for that debt.
SF35 Your partner’s income always counts when calculating your ability to pay.
SF15 Your partner’s income always counts when calculating your ability to pay.
SF15-old You decide whether or not to include your partner’s income when calculating your payments.
SF15-lllc Your partner’s income always counts when calculating your ability to pay.*
Duration
SF35 Your repayment period lasts up to 35 years and starts 2 years after your entitlement to student finance ends.
SF15 Your repayment period lasts up to 15 years and starts 2 years after your entitlement to student finance ends.
SF15-old Your repayment period lasts 15 years and starts 2 years after your eligibility for student finance ends. 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.
SF15-lllc Your repayment period lasts up to 15 years and starts the year after your eligibility for student finance ends.
Calculation of ability to pay
* In addition to the lifelong learning credit, do you also have a debt under the rules from SF15-old? In that case, the maximum amount of the rules from SF15-old applies.
SF35 You never have to pay more than 4% of your income above the ability threshold. If you are single with no children, that threshold is 100% of the national minimum wage. In all other cases it is 143%. You always pay less than under the rules from SF15.
SF15 You never have to pay more than 12% of your income above the ability threshold. If you are single with no children, that threshold is 84% of the national minimum wage. In all other cases it is 120%. You usually pay less than under the rules from SF15-old.
SF15-old Your income is divided into bands. In each band you pay a different percentage of your income, rising as your earnings increase.
SF15-lllc You never have to pay more than 12% of your income above the ability threshold. If you are single without children, that threshold is 84% ​​of the national minimum wage. In all other cases it is 120%. The monthly amount is usually lower than under the rules from SF15-old.*