Gift or loan
HBO or university
Have you attended a higher vocational education (HBO) or university programme of studies? Then your student travel product and any supplementary grant are a provisional loan. The same applies to your regular grant, if you have received this.
If you have graduated within 10 years, then your travel product becomes a gift in full. The number of years of grant that become a gift depends on the value of your diploma.
|Diploma||Number of years of grant as a gift|
|Associate degree||2 years|
|HBO Bachelor||4 years|
|HBO Bachelor + HBO Master||5 years|
|University Bachelor||3 years|
|University Bachelor + 1-year university Master||4 years|
|University Bachelor + 2-year university Master||5 years|
|University Bachelor + 3-year university Master||6 years|
Have you received student finance and/or a student travel product for HBO or university study? This provisional loan does not become a gift if you obtain an MBO diploma at Level 3 or 4.
University Bachelor or Associate degree
Your provisional loan does not automatically become a gift if you have obtained a university Bachelor or an Associate degree. This only happens if you obtain an HBO Bachelor or a Master. Or, in the case of a university Bachelor, in the year before you need to begin repayment.
Do not wish to wait for this? Then please contact us by telephone or send a written request. Do not forget to provide your signature and to state your citizen service number (BSN). The address is:
Dienst Uitvoering Onderwijs
Verzoek omzetting prestatiebeurs
9702 BA Groningen
Senior secondary vocational education
The number of years of grant that become a gift depends on the level of your senior secondary vocational education (MBO).
Your grant and student travel product for MBO 1 or 2 are always a gift. You do not need to do anything about this.
Have you done MBO 3 or 4? Then your student travel product, regular grant and supplementary grant are a provisional loan. If you have graduated within 10 years, then your grant and your travel product become a gift in full. Your debt is then reduced or completely cancelled.
The following diplomas are valid for conversion of your performance-related grant loan in MBO (senior secondary vocational education):
- vocational training (level 3)
- management training (level 4)
- approved study programmes abroad (level 3 or 4)
- specialist training (level 4)
- work-based pathway (level 3 or 4)
- higher professional education (HBO) (also Associate degree)
The study programme for which the diploma has been obtained must be entered in the Central Register of Professional Training Courses (CREBO).
When a gift?
Conversion of a loan to a gift takes place in January after you have graduated. You are notified about this at the end of January.
Are you already repaying on a compulsory basis? Then we will continue to debit your monthly payment up to and including January. After January, you will get back any excess amounts you have paid. If we convert only a part of your student finance into a gift, then the debit order will remain in force.