Borrowing
Borrowing from DUO means:
- The loan is part of student finance.
- The loan is subject to interest from the month you receive it. After that, interest is calculated based on the amount of your debt plus any interest that has already accrued.
- The interest rate may change per year.
- You don’t have to borrow the maximum, you can take out a lower amount.
- You can raise, lower, or stop your interest bearing loan every month.
- If you have an interest bearing loan, you are building up a student debt. After finishing your education you need to pay back the loan, with interest.
- It is not possible to transfer your debt to somebody else, for instance one of your parents.
- Do you intend to buy a house in the Netherlands in the future? Please note that a student debt is taken into account when calculating your mortgage. Read how your debt affects getting a mortgage on Rijksoverheid (link in Dutch) Link opent externe pagina .
- Your DUO loan will not be registered with the Bureau Krediet Registratie (BKR).
How much can you borrow?
The Amounts page states how much you can borrow. Use the student finance calculator (Dutch only) to see how much you must repay afterwards.
Tuition fees loan
If you are in HBO or university, you can borrow an extra amount to pay for your tuition fees. This is called a tuition fees loan. The amount depends on the type of tuition fees you are due: statutory tuition fees or institutional tuition fees.
Apply for, change or stop an interest bearing loan
- Log in to Mijn DUO.
- Go to 'Mijn producten' and choose 'Studiefinanciering'.
- Behind 'Rentedragende lening', choose 'Aanvragen', 'Wijzigen', or 'Stopzetten'.
When to make changes
- You need to stop a loan before or on the 1st of the month you no longer want to receive the loan.
- You need to lower a loan before or on the 1st of the month you want to receive a lower amount.
- You can apply for a loan or raise it for all months within the academic year, including past months.