Student Loans for Financing Your Studies

Studying in the Netherlands can come with its financial burdens. Luckily, there are loans available for students that can cover tuition fees, among other things. We have outlined the process of collegegeldkrediet, which is the tuition fee loan element of student finance. Apart from student finance, you could choose to apply for a scholarship or for allowances. Here are the basics when it comes to student loans.

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This is the tuition fee loan element of student finance. If you want financial aid for your fees, you can apply for this (you certainly don’t have to if you don’t need it). This loan is available for anyone with an EU/EEA or Swiss passport. You also need to be under 30, have a BSN number (citizen service number), and have a Dutch bank account. You can read more about the general requirements for student finance.

In 2018/19, the collegegeldkredit will be €171.67 per month – the approximate statutory tuition fee at many Dutch universities. Usually, if you get this aid, it is paid into your bank account where it then becomes your responsibility to pay your fees to your university. However, if your institution wants your tuition fee all in one go at the start of the year, you can still apply for the collegegeldkredit. This just means that you will pay the fees, and then later receive the loan to compensate.

As an estimate: if you are completing a 3-year undergraduate degree you will owe and need to pay back a loan of around €7000.

Do you want to find out how to repay your loan? Find out more about repaying your student finance.

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Are there any alternatives to taking out student loans?


Scholarships aren’t exactly student loans, however, they are also an alternative to student financing. There are many different scholarships for all types of students; for specific courses, from the EU or as an international student, and for specific universities or colleges. Have a look at our scholarship page to find out more.

Student jobs

Also not a loan, however working while you study can be a way to contribute to your tuition fees or living costs. Moreover, it could be a head start to the time when you must start paying back your loans. Check out the benefits of working as a student. Have a look at our Job Board to find available part-time and graduate positions, as well as internships.


Additionally, you can have a look at the different types of allowances that you can get for housing and healthcare. This can decrease your financial burden a little bit, since the government could aid you with your monthly bills.

In short, there is only really one type of loan that applies to students: the collegegeldkrediet and student finance in general. Either way, both are good ways of receiving financial aid in terms of your studies, and you could even apply for scholarships as an alternative to this.