Loan statement
To find out how much you owe, check 'Mijn schulden' in Mijn DUO. You can find notifications about your debt under ‘Mijn berichten’. These can be printed out.
If you need a statement of debt for a mortgage application or tax return, often the information in Mijn DUO is sufficient. Somebody else cannot ask for a loan statement on your behalf, unless you have authorized them.
Statement of debt for a mortgage application
In the Netherlands, your student debt or lifelong learning credit is taken into account when calculating how much you can borrow for a mortgage. Most mortgage lenders therefore want proof of this. Go to Rijksoverheid (link in Dutch) Link opent externe pagina to read how your student loan affects your mortgage.
DUO has agreed with lenders that you can provide this proof by submitting the notification stating how much you must pay back each month. This amount is determined each year in November. The notification states the total debt, the remaining number of months you are due to repay and the interest rate. You can find this notification in Mijn DUO, under ‘Mijn berichten’.
Have you made voluntary additional repayments? And has this reduced your remaining monthly instalments? If so, you will receive a new notification. This notification is relevant for the mortgage lender as well.
Need a more recent statement?
If you need a more recent statement, we can supply this in Mijn DUO. Please use the online contact form (link in Dutch) to request a personal loan statement. Within 5 days, the statement will be available in Mijn DUO. You will receive an email the day it is made available.
The statement includes the following information:
- your current debt balance, including interest
- your current interest rate and and its period of validity
- your statutory monthly instalments
- your monthly instalments based on your income, if applicable
- the remaining repayment period of your debt
- the repayment rules that apply to you.
My repayment phase hasn’t started yet
If your repayment phase hasn’t started, you have not yet received a notification about your repayments. In this situation, please ask for a loan statement using our online contact form (link in Dutch). The statement will be available in Mijn DUO within 5 days.
Statement of switching repayment rules
Did you receive a notice that you can switch to a different set of repayment rules? And do you need a confirmation of this for a mortgage? In this situation you cannot use the contact form. Please contact us in a different manner.
Annual statement for Dutch tax authorities
In most cases, you do not need to declare your outstanding student debt when filing a tax return in the Netherlands. For this reason, we do not send you an annual statement as standard. If you do want to know your current debt balance, you can find it in Mijn DUO under ‘Mijn schulden’. And under ‘Schuldhistorie’ you will find the amounts you owed on 31 December of previous years.
Do you live in the Dutch Caribbean? And have you paid off your student debt? Then you will receive an annual statement.
When to declare student debt to the tax authorities?
When filing your 2024 tax returns, you do need to declare your outstanding student debt if:
- the amount outstanding is more than €3,700 if you are single or more than €7,400 if you have a partner, and
- your assets in Box 3 (savings and investments) exceed the exemption threshold. In 2024 that is €57,000 for single persons or €114,000 for couples, with the reference date being January 1, 2024.
To find out more, go to the Dutch Tax Administration website Link opent externe pagina .