How much you have to pay back each month depends upon how much you owe, including interest. DUO may also take your income into account (including your partner’s income, if applicable).
We look at your income from 2 years ago. We call this the reference year. We obtain the details of your income from the tax authorities (Belastingdienst). If you file tax returns, we consider your aggregate income. Otherwise, we use the taxable salary shown on your annual tax assessment(s). In some cases you may have to provide us with details of your income yourself – for example, if you earn money abroad.
If your income has fallen since the reference year, you can ask us to look at a more recent year. We call this changing the reference year.
Income outside the Netherlands
If you live abroad or have a foreign income, we are often unable to request details from the relevant tax authorities. In these cases you have to notify us yourself.
You automatically receive a message about the supporting documents we need. Check Mijn DUO to make sure that we have your current address. If the address shown is incorrect, you can update it in Mijn DUO or using the form Wijziging terugbetalen studieschuld.
The table below shows the supporting documents we need.
- If you have been granted a deferral in submitting your tax return, send us the documents listed under ‘You do not file tax returns’.
- If you are self-employed, send a statement of income from your accountant. This must show your full income for the entire year. We do not base our assessment upon your net disposable income.
|Country||You file tax returns||You do not file tax returns|
|* If you live in Belgium or Germany and also have a Dutch income, submit the annual statement(s) of your Dutch income as well.|
|Belgium*||Copy of 'Aanslag personenbelasting'||Copy of 'loonfiche from your employer and/or brenefits agency|
|Germany*||Copy of 'Bescheid'||Copy of 'Lohnsteuerbescheinigung' and/or 'Leistungsnachweis'|
|France||Copy of 'Avis d'impôt'. In case of a joint tax returm, also a copy of 'Déclaration de revenus'||Copy of 'Attestation de l'employeur' and/or 'Attestation de l'instance d'allocations'|
|Aruba, Curaçao, Sint Maarten and the Caribbean Netherlands||Statement from the Belastingdienst showing your income||Statement from the Belastingdienst showing your income|
|Suriname||Statement from the Belastingdienst||Copy of annual statement from your employer and/or benefits agency|
|Other countries||Statement from the relevant tax authorities. If this is not in German, English or French, also provide a translation in Dutch.||Statement from your employer or benefits agency. If this is not in German, English or French, also provide a translation in Dutch.|
If you live in the Dutch Caribbean, we first request details of your income directly from the tax authorities of Aruba, Curaçao, Sint Maarten or the Caribbean Netherlands (Bonaire, St Eustatius, Saba). If they are unable to provide that information, you must do so yourself by submitting the Machtiging verklaring inkomstenbelasting.