STUDENT FINANCE IN 2021

THE COMPLETE GUIDE

Money: it's great to have but hard to keep. In all seriousness, though you may not be entirely broke, as a student you may be feeling some financial pressure. It is a known fact that university can be expensive, from the tuition fee to the textbooks. However, that is why the concept of financial aid was created. In the case of financial aid in the Netherlands, it can sometimes be a bit tricky to find the right information. Most of the government websites are in Dutch and the information can seem quite confusing, abstract and incomplete. Not to mention that most study advisors will direct you towards resources that aren't that helpful. Luckily College Life is here to bring you this ultimate guide to financial aid in the Netherlands! Whether you are looking to apply for student finance, find a scholarship, or learn more about alternatives to finding funding, this is the place to start.

To read your way through the guide, pick the category you are most interested in or simply follow along the whole way through!

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CHAPTER 1:

Student Finance Overview

When we talk about student finance (also known as student financing) we are talking about funding your studies and (possibly) other costs of living. Most student finance is generally targeted at low-income students. In general, there are three ways in which you can finance your studies: financial aid, scholarships, and self-funding. Financial aid in the Netherlands is known as studiefinanciering or student finance.

Image of student financing student contemplating their finances

Student finance is a scheme set up by the Dutch government to fund tuition fees and other living costs of eligible students. Then, there are scholarships, which function in a similar way, but are based on an awards system. Finally, there are other ways of ensuring you can afford your studies, including applying for a private loan, getting a job or applying for allowances.

Public financial aid

The Dutch government provides public aid. This covers student finance and benefits like healthcare and housing allowances.

Student finance, or studiefinanciering in Dutch, is a 3-part financial aid package intended to help students with paying their tuition fees and student life. There are requirements you need to meet, with some students being eligible for all 3 components and some maybe one or two. The first is the loan or the tuition fee loan; the second is the supplementary grant, and the third is the student travel product.

Allowances are sums of money gifted to low-income citizens, or students, to aid with some of their living costs. Healthcare allowance is a monthly sum provided by the Dutch government to help cover your monthly health insurance bill. Similarly, the housing allowance is a sum to help with your monthly rent. As with student finance, there are specific requirements you need to meet.

Scholarships

Aside from student finance, there is the option of applying for a scholarship. A scholarship is like financial aid but it comes in the form of an award. Scholarships are usually given out by universities or other donors or institutions. Scholarships are also awarded based on specific criteria, like having certain grades or possessing certain qualities. Unlike a loan, scholarship money does not have to be paid back!

How can I get a scholarship?

There are numerous scholarships targeted at students wishing to study in the Netherlands. Some scholarships are for specific nationalities, types of degrees, or areas of study.

It is best to start doing your research as early as possible. Check your university website if they offer any scholarships or use Nuffic's scholarship search tool. The more time you spend on research, the more options you will find. If you wait till the last minute, most scholarships might already be closed. Researching the criteria is important as well. There will be specific scholarships you are eligible for and those for which you are not.

All scholarships have an application deadline. They additionally have their own specific regulations for sending in your application. So, when you apply, make sure to read the instructions carefully. You need to make sure to send the institution all the necessary documents. Don't forget to think about the appearance of your application; no spelling mistakes, unnecessary information, and strange formatting!

We will go into more detail about scholarships for EU and non-EU students in a bit, so keep reading!

Self-funding

If you don't qualify for public aid or scholarships, you can always look for funding independently. This means that you can search for a part-time job to combine with your studies or you can look into private loans.

Private aid

This type of financing comes usually from private companies that can offer you a loan in exchange for an interest rate. Since EU/EEA students are eligible for collegegeldkrediet (the tuition fee loan), which currently has a very attractive interest rate determined based on the duration and amount of your loan, private aid is usually for non-EU/EEA citizens.

If you are interested in a private loan, contact your university to request more information on partnerships with institutions from your country that provide such loans.

Costs of living and student budgeting

Whether you're funding yourself or receiving aid, it's always important to be aware of what expenses you'll have to deal with and how to prepare yourself for them. Learning how to budget is an important first step.

Costs of living

Aside from your tuition fees, it is important to be aware of your other living costs. Living costs can cover a broad spectrum of things, from rent to food to textbooks. Your living costs could include:

  • Your tuition. Depending on your nationality you might have to pay the statutory fee or the institutional fee.
  • Monthly rent. Depending on where in the Netherlands you are living, the housing market can be quite expensive. Are you on the hunt for somewhere to live? Check out our  Complete Guide to Student Housing, where we give you advice on finding a place to live!
  • Monthly utilities: Find out more about utilities in our Utilities Guide and read our tips on how to save money on your utilities!
  • Your food: Everyone needs to eat, right? Most likely, you will be doing a weekly shop for groceries. Some supermarkets are more expensive than others. Visit places like Aldi, Plus or Albert Heijn.
  • Textbooks and other school supplies: Textbooks can often be very expensive, so buying them second-hand is a smart way to save some money. You can find textbooks in the Facebook groups of your study program.
  • Going out or eating out: Just because you are on a budget doesn’t mean you can’t experience student life to the fullest! You can always pre-drink at home with friends, or choose cheaper alternatives when eating at restaurants.
  • Transport like trams, trains, buses or Ubers, for example.
  • Extras like clothes or shopping. This might be a necessity for you or it might be something you spend your extra cash on.

Budgeting

You could consider helping yourself out in the finance department by sticking to a budget. Sounds fun, right? It’s not as difficult as you might think. Having a budget simply means you are more aware of how much you are spending and what you are spending your money on. You can set yourself a monthly or weekly limit in regards to the amount of money that you allow yourself to use, delegating a certain sum to certain things. For example, you could set aside a certain amount for your rent, and then for food or going out. We came up with a fool-proof formula for keeping a budget, so take a look if you are unsure of how to budget yourself!

CHAPTER 2:

EU/EEA Students

EU/EEA students have a lot of options when it comes to funding their studies. Firstly, you can apply for studiefinanciering (student finance) which can cover your tuition fees, among other things. Then, there is the option of applying for a scholarship. Working during your studies can come in handy as a way to fund your studies.

Image of non EU student financing

Studiefinanciering or Student Finance

Student finance, or studiefinanciering is financing offered by the Dutch Ministry of Education and Culture - DUO. It consists of three components: a loan, a supplementary grant, and a student travel product. A disclaimer before we explain anything else: not everyone will be eligible for all 3 components. It depends on the requirements you meet. Firstly, there are some general requirements you need to meet in order to be eligible for studiefinanciering:

  • You must be a Dutch national or have the same rights as a Dutch national (depends on resident permit/nationality). For example, if you’ve been living in the Netherlands for at least 5 consecutive years or you work in the Netherlands at least 56hrs a month.
  • Or, you must be an EU/EEA or Swiss national.
  • You must be registered in a full-time or dual degree program in a higher vocational education program (HBO) or university. If you're studying in a secondary vocational education program (MBO), more conditions apply.
  • Must be under 30
  • You must be registered with a city hall. When you register, you get a BSN, and a DigiD.
  • Finally, you must have a Dutch bank account.

If you meet all the conditions for student finance but happen to be older than 30, you still qualify for the lifelong learning credit.

Note that if you are a British national, your eligibility for student finance in the Netherlands may be affected by Brexit. DUO has stated that until December 31st, 2020 all current agreements between the UK and the EU concerning student finance still apply. This may change in 2021 but all students arriving to the Netherlands from the UK before January 1st, 2021 will be eligible for the same student finance as it is currently offered.

Let's dive into the individual components:

Tuition Fee Loan

To be able to apply for the tuition fee loan, you must be an EU/EEA or Swiss national. The amount you receive depends on a number of factors, including your income if you have one, and your expenses.

Regular Loan

For the regular loan, you must be a resident of the EU/EEA or Switzerland and have lived in the Netherlands for at least the last 5 years or be working for at least 56 hours per month. Remember that you must pay back your loan(s) after you graduate. The maximum regular loan from January to December 2020 is €590.

As working student you can be eligible for the student loan. On College Life Work can find positions that can help you meet the 56 hour requirement. For example, if you apply to become a driver for Takeaway.com, you will be have to opportunity to be eligible for the regular loan

Supplementary grant

The supplementary grant is an additional grant that is converted into a gift (i.e. you do not have to pay back), if you graduate within 10 years. You are eligible for this grant if you meet the requirements for the student loan and your parent's combined income is lower than the threshold fixed by DUO. DUO has a calculator that you can use to see if you fall within the range of the supplementary grant.

Remember that if you have not been living in the Netherlands for the past 5 years (at least) as per the requirements of the student loan, to receive both the loan and supplementary grant you must be employed by a Dutch employer for at least 56 hours a month.

Student travel product

The student travel product provides a discount for traveling with Dutch public transport. You can choose to travel for free on weekdays or weekends. Moreover, you get a student travel loan of €99.58 a month in 2021. To be eligible for this, you need to meet the requirements.

Unfortunately, if you are not Dutch, an EU national or Swiss, or if you don't have the same rights as those who are, you cannot apply for Dutch student finance. However, there are other ways to fund your studies like scholarships.

How can I apply for studiefinanciering?

You can apply online with necessary documents, as well as your BSN and DigiD, through DUO's website. Log in to DUO.nl using your DigiD. If you don't, or can't, do this online, you can download the forms on DUO (under login problems) and submit the documents in person.

Scholarships for EU/EEA students

Scholarships are based on merit, and usually, the receiver (or receivers) of the scholarship is chosen from a pool of applicants. There are multiple types of scholarships, ranging from university-specific or course-specific to nationality-specific ones.

One of the most popular scholarships is Erasmus +, which is a scholarship intended for students who wish to study abroad or do a traineeship within the EU.

Erasmus Mundus is a scholarship for Master's students from around the world. You have to study in two of the recognized counties for a certain period of time.

There's also the NN Future Matters scholarship. This scholarship is intended for certain students from specific countries, such as the Netherlands, Belgium, Bulgaria or the Czech Republic, wishing to study a Master's degree in the Netherlands.  The total grant is €5,000. You must be studying either finance, risk management or economics at a participating Dutch research university and must be a first-generation university student. Participating institutions have their own specific requirements The total grant is €5,000 for students from EU/EEA countries. Students from non-EU/EEA countries can receive up to €20,000. This is because they pay a much higher tuition fee than Dutch and EU citizens.

Your university may have a scholarship or two that you are eligible to apply for. Just search their website for their scholarship page or contact them directly.

Check out our post on scholarships for EU students for more detail!

On the other hand, if you are not an EU/EEA, Swiss or Dutch national (or have similar rights), unfortunately, you cannot apply for studiefinanciering. However, there are other ways to receive financial aid in order to make your studies much more affordable!

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Scholarships for non-EU/EEA students

There are plenty of scholarships for non-EU/EEA students. Scholarships are based on a merit system. Essentially, they are awarded to one or a group of candidates from a pool of applicants. Depending on the scholarship, you may have your tuition fees covered, or receive a grant to be spent however you like.

The Orange Tulip Scholarship Programme is a scholarship open to non-EU students. This scholarship is for students coming from Neso countries, like Brazil or Vietnam, among others. The full list of eligible countries and more information can be found on the Study in Holland website.

The MENA Scholarship Programme is intended for students coming from the Middle East and North Africa. This is a great scholarship if you want to take short courses in the Netherlands in fields such as the arts or economics.

Then, there is the Holland Scholarship, designed for non-EEA students who want to study a Bachelor or Master's degree in the Netherlands. You receive a grant of €5,000, and lots of different academic institutions all over the Netherlands are partnered with the program. You can look for more information here, or on the university website of your choice.

There are more scholarships for international students, among the many we have mentioned here. You can read all about non-EU scholarships, or head to the Nuffic scholarship search tool for a more general overview of scholarships in the Netherlands.

CHAPTER 4:

Coronavirus (COVID-19)

The coronavirus pandemic has flipped the world upside down. When it comes to how Covid-19 has affected student finance in the Netherlands, the Ministry of Foreign affairs has advised institutions such as Nuffic to not grant any new scholarships or grants for the foreseeable future.

Coronavirus and students

If you have already received your grant or scholarship but had to leave the Netherlands because of the coronavirus, this will not affect those allowance – you will be able to keep so long as you have completed your courses. In the event that you were unable to complete your studies due to the pandemic, you should contact your school and the institution which provided the financial assistance for further information.

Fortunately, the Dutch government has implemented a few additional measures to help students who are struggling financially. Students who have lost their side-jobs or are having difficulty making ends meet with existing loan allowances can contact the DUO for further financial assistance. Eligibility will be determined on a case-by-case basis, which means it is not guaranteed.

In the event that you were denied additional support for whatever reason, remember that there is a whole world of opportunity which still exists at your fingertips: the internet. Online gig economies such as Upwork still have loads of job openings and with a polished profile and a bit of luck you will be able to find enough work to support yourself in the coming weeks and months. Remember that things are changing by the day, and if this continues the Dutch government will likely provide additional support to students. Keep your eyes open for updates on student websites like ours to make sure you get all the tools you need to brave this medical storm.

Still having trouble? Although our guide and the requirements provided by the Dutch government can be very useful, they can’t account for every single situation. Life can get complicated and when it comes to getting the financial support that you need it can add a whole dimension of stress to an already dire situation.

Legal assistance

If you are having any issues applying for these allowances and have already reached out to the Dutch authorities for help without any luck, go to College Life's Legal Aid section. We’ve partnered with the reputable Rotterdam law firm to help our readers with any complications that might arise when applying for these benefits. If you’re really stuck, give them a call. They’ll be able to help you out at a price you can afford!

STIDENT FINANCE CHECKLIST

Download the 14-point personal checklist for obtaining student finance in the Netherlands.

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Showing 62 comments
  • Amanda
    Reply

    Hi i come from the Uk i am 25 years old i have lived in Netherland for 5 years i work a 100 hours a month but would like to take a graphic design 3 year course would i be able to get student funding

    • nali

      Hi Amanda!

      Thank you for your message.

      Our mission at College Life is to make your life easier. For this purpose we’ve written an article further explaining Things You Need to Know about Study Finance

      DUO determines the requirements for study finance and also your eligibility for it. Your personal situation & circumstances as a UK citizen are unique and therefore it is difficult for me to give you an accurate answer since I have incomplete information about your situation. UK citizens may still qualify for study finance after Brexit, provided they fulfill a set of obligations. I recommend you to visit the DUO website for more detailed information and contact them directly.

      Wishing you all the best!

      Kind regards,
      Signature

  • Krishna Agrawal
    Reply

    Hi,

    Thanks for the information. I have a bit different concern regarding the student finance. I am living in the Netherlands on a resident permit. I will be moving to Spain to study for a year. Will I still be eligible to apply to the student loan in Netherlands?

    • nali

      Hi there,

      Thank you for your message.

      While studying in the Netherlands, DUO determines the requirements for study finance as well as your eligibility for it. Your personal situation & circumstances are unique and therefore it is difficult for us to give you an accurate answer since we have incomplete information about your situation. We recommend you to visit the DUO website for more detailed information and contact them directly.
      Furthermore, it is unclear if you are doing exchange for a year, or starting a new course. Some Dutch institutions offer exchange grants for their students that are going to study abroad within their exchange programs. These are offered to both EU/EEA students as well as non EU/EEA students. I recommend you get in touch with your exchange co-ordinator (if this is the case) or your student advisor to further provide you with the relevant information.

      Wishing you all the best!

      Kind regards,
      Nali

  • Emily
    Reply

    Hi,

    I’m a British citizen who has a residence permit to live, work and study in the Netherlands and has lived here for 2.5 years. I’m looking to study full time with the open university over here, I’m trying to find a loan/tution fee loan to help me pay for this. The open university website wasn’t helpful with funding options. As I still work 32 hours per week I just want to do my degree online and in my own time. Do these kind of loans apply to me? As their tution fees are slightly higher than the average university fees are over here. Can anyone advise me on this?

    • nali

      Hi Emily,

      Thank you for your message.

      At College Life our aim is to make your life easier, therefore we have provided a number of resources within this guide including scholarship options and various student allowances.

      The Open University has a unique tuition system compared to other universities, as you pay tuition per course as compared to yearly tuition costs. This may prove to be helpful considering it spreads out tuition payment over the duration of your courses, rather than a lumpsum payment or batch installments. For funding, UK citizens are eligible for Dutch student loans, provided they fulfill a set of obligations. You may visit the DUO website to determine your eligibility for study financing, and for more detailed information contact them directly.

      Wishing you all the best!

      Nali

  • E
    Reply

    Hallo!

    I am a prospective student of HBO Mater program in September 2021/2022. Also, I am type 1 residence permit holder who is non- EU nationality with a registered Dutch partner.

    I would like to know whether I am eligible for student finance- supplementary grant & traveling package since my parents who living abroad are both unemployed for the past two years. If yes, do I need to work 56hrs per month too? (I recently just move to NL.) Next, I am turning 30 years old in this November, do I still eligible to apply student finance now? Will my entitlement got cancelled once I turn into 30 years old? Thank you!

    • nali

      Hi E,

      Thank you for your message.

      Our mission at College Life is to make your life easier. For this purpose we’ve created a complete guide on the topic of study finance.

      Unfortunately, students with a non-EU/EEA nationality do not qualify for study financing. However, there are often other available options for non-EU/EEA students. The IND determines the requirements for your working conditions, and also your eligibility for work in the Netherlands based on the type of residence permit issued to you. A quick check you can do is check your permit. If your permit says “Arbeid is vrij toegestaan; TWV is niet vereist’ it means you do not need a work permit and can work freely. If your permit says ‘(TWV) vereist
      voor arbeid van bijkomende aard, andere arbeid in loondienst niet toegestaan’ it means you have special conditions that must be fulfilled by your employer before you can work in the Netherlands.

      Your personal situation & circumstances are unique and therefore I advise you to check with the student advisor at Tilburg University, as well as consult with the Tilburg finance office. They can direct you to scholarships that the school makes available for international students, as well as provide you with information on external grants they are aware of. Keep in mind these often have a deadline for application, and you may have to apply for the grants available next academic year.

      Wishing you all the best!

      Kind regards,
      Nali

  • Milly
    Reply

    Hi,

    I’ll be starting studies in the Netherlands in September 2021. I’m slightly confused by the wording about the requirements for applying for the supplementary grant. I am an EU-citizen who has never lived in the Netherlands (no family members either), can I apply for the supplementary grant without working 56hr/month and can I apply for it directly without applying for the regular loan? I can’t quite tell if the supplementary grant has additional requirements to the regular loan.

    Thank you

    • mashal

      Hi Milly,
      You can apply for the supplementary grant separately but you need to be working for the specified hours at least.
      Hope this helps,
      -M

  • Jorg
    Reply

    Hi, Thanks for this article. I’m a EU citizen and would like to apply for student finance. In your article it states under eligibility for student finance “Or, you must be an EU/ EEA or Swiss national” and you highlight no further conditions within that.
    When going on the DUO website, I get the following: “Requirements EU/EEA citizens and Swiss
    You qualify for student finance if you meet 1 of the following requirements:

    You have been living in the Netherlands for 5 consecutive years or more.
    You have come to the Netherlands to work, for 56 hours a month or more. The start date of your employment contract must be the 1st of the month. If your employment contract starts later, you won’t be eligible for student finance until the next month.
    Your non-Dutch parent or partner has the nationality of an EU/EEA country Link opent externe pagina or Switzerland and works, or has worked, in the Netherlands for at least 56 hours a month.
    Can you pls clarify? Thanks!

    • mashal

      Hi Jorg,
      We have also mentioned all the other requirements for the study finance. As it is more directed towards Dutch students, that is why is says, you can also apply if you are an EU/EEA student and of course you will need to fulfill all other requirements such as working hours.
      Hope this helps,
      -M

  • Steph
    Reply

    Hi there. Thank you so much for this super helpful article. I have a few questions and any advice would be greatly appreciated;

    I am a Dutch passport holder but only just moved from South Africa this year. I am currently working full time but hoping to study next September however I am not sure what I would qualify for- I have enough savings to cover my tuition but was wondering if I could still apply exclusively for the supplementary and travel grants. Another question is regarding parental income- I am and have been financially independent from my parents for over 2 years now- how would that effect my eligibility?

    • mashal

      Hi Steph,
      Yes you can still apply for the supplementary and travel grants.
      Best,
      -m

  • Francesco
    Reply

    Hi,

    So it says as a requirement for student finance that the university course/degree should be officially recognized in the Netherlands. So does the course/degree have to be from a Dutch institute or can it be from any other (EU) country?

    Cheers!

    Francesco

    • mashal

      Hello Francesco,
      It should naturally be a Dutch institute to qualify for the student finance.
      Best,
      -M

  • Pola
    Reply

    Hello!
    Can I apply for Student Finance after or separately from my application for a certain university? At Utrecht University deadline for students in need for financial aid is awfully early and I wonder whether I can apply for UU in normal mode and despite that still apply for Student Finance?
    Kind Regards,
    Pola

    • mashal

      Hi Pola,
      Yes you can apply for the student finance separately as well.
      Hope this helps!

  • David
    Reply

    Hi,

    I am going to study in The Netherlands from September 2021. I am an EU citizen and non of my relatives worked in The Netherlands. Is it possible to apply for a tuition fee loan before arriving to the country? Or first I must pay the first year’s fee and when I arrive I can apply for the loan and I will receive it monthly?

    Thank you for your answer.

    David

    • mashal

      Hello David,
      You can apply for the loan when you in register as a resident in the Netherlands. You will need your BSN (received upon registration) to apply for the loan.

  • Mahak Khubani
    Reply

    Hi There,

    I am a nonEU student and have an admission letter from a management school in Maastricht with a scholarship of €7500, does this makes me eligible to apply for any further financial help for rent?
    or is there a way I can save on rent/does the government provide and concession or aid for student rent?

    • mashal

      Hi Mahak,
      You can apply for housing allowance if your are eligible.
      Please check out our Allowances Guide for more information on this.
      Hope this helps.
      -M

  • Tony
    Reply

    Hey,

    Thanks for putting this together, it’s super helpful!

    I am currently in my third year at a Dutch university and I am (planning to go) going on exchange to Norway for six months. I now received both the tuition loan and the regular loan as I work the 56 hours per month. However, there’s no information anywhere about whether I can keep my regular loan abroad. Am I expected to work 56hours there too? If I do, can I still get the loan?

    Any help or advice would be amazing as no one seems to be able to give me any information about this.

    Best,
    Tony

    • mashal

      Hi Tony,
      In many cases you can keep your study financing as long as you meet the requirements set by DUO. For your case I would suggest to contact DUO directly as they will be able to guide you better.
      Hope this helps,
      -M

  • Jaime
    Reply

    Hi!
    I would like to know how I can demonstrate I am working as self employed the 56 minimum hours
    Thank you so much!

    • mashal

      Hi Jaime,
      Usually pay slips/bank balance would do in case of being self-employed. You can also contact DUO directly and they will be able to guide you better about your situation as a self-employed applicant.
      Hope this helps,
      -M

    • farheen baig

      Hye my name is baig i am study in amsterdam private university if i need loan after august so can i apply loan for study

    • mashal

      Hi Farheen,
      You can apply for the study loan if you meet all the conditions for eligibilty.
      Best,
      -m

  • Jordan
    Reply

    Hi,

    I meet all the requirements for a loan and I recently applied for the student travel product. I just received a rejection from DUO because I “don’t meet the nationality requirements”. I was wondering if you could refer me to the source of the law/guidelines that you used as a source for this article so that I could object. Or maybe there’s another way you could help out?

    • mashal

      Hello Jordan,
      As an EU/EEA national, you need to meet at least one of the listed requirements at DUO.
      I would suggest to contact DUO directly, as they can guide you better with your situation and if there is another way to apply for the financing option.
      Hope this helps,
      -M

  • Eva Klovanics
    Reply

    Hey! My name is Eva, I am Hungarian, so I am an EU citizen. I’ve tried to apply for student finance and today I received a response that said that my application is rejected because I do not meet a nationality requirement. And I meet all the other requirements. Could you please explain what is the problem?

    • mashal

      Hi Eva,
      There must be a misunderstanding or lack of documentation, as this should not be the case if you meet all the requirements. Would suggest you to follow up with the IND and I am sure they can guide you and fix the issue.
      Best,
      -m

  • Andre
    Reply

    I have been accepted for a 3-month course: Sustainable Urban Development (SUD) of the Institute for Housing and Urban Development Studies (IHS). What are my options in terms of funding this 3 month course? I do have a Dutch passport.

    • mashal

      Hi Andre,
      You can apply for the study finance if you meet all the requirements or check with your university about scholarships you may be eligible for.
      Hope this helps,
      -M

  • Anastasija
    Reply

    Hi,
    I am second year of my psychology studies at Tilburg university, I am from non EU country but I have student residence type I permit and also Dutch account.
    Can I apply for some financial aid at the moment?

    • mashal

      Hello Anastasija,
      As a non EU/EEA student you are not eligible for study finance unfortunately. However, you can look into other financing options such as: scholarships.
      Hope this helps,
      -M

  • Melissa
    Reply

    Hi,
    I have been accepted to a HBO Bachelor program and I have started studying at the beginning of this month. Because of the situation with the pandemic, the program’s first year is entirely online. Can I apply for a student loan, if I am enrolled at a dutch University, but not living for the moment in the Netherlands? I am an EU citizen.

    • mashal

      Hi Melissa,
      Yes as an EU student you can apply for the tuition loan, as long as you can meet all the other requirements as well.
      Best,
      -M

  • angelica Ourri
    Reply

    I am starting a master at UVA and i want to apply for a tuition fee loan however I dont have a citizen number as im not in the netherlands because of corona virus, what happens

    • mashal

      Hi Angelica,
      Please contact the IND and DUO directly as they will be able to guide you better. This would depend on your current place of residence and nationality.
      Hope this helps!

  • Naomi
    Reply

    HI,
    I’m an EU student studying form Ireland. I have never lived in the Netherlands or worked there. I’m going to Maastricht for my full-time taught masters. Can I still apply for the loan is or is there any other financial aid available to EU student. 

    • mashal

      Hi Naomi,
      As an EU student you are eligible to apply for the student finance, as long as you meet the requirements.
      Best,
      -M

  • Andrea
    Reply

    Hi,

    I’m an Italian student who wants to start a bachelor’s degree in Groningen. I’d like to know if student financing is currently still available because of the coronavirus. And if not , when will it be available again?

    Thanks a lot,

    Andrea

    • mashal

      Hi Andrea,
      Yes study financing is still available as long as you meet all the requirements.
      Best,
      -M

  • Chiara Catalini
    Reply

    Hi,
    I’m a EU citizen from Italy and I am enrolled at a HBO master course, full time. I also work with a zero-hours contract to a restaurant as a part time job. Do i need a 56 hours contract or I just need to prove that I work at least 56 hours every month, in order to get the student financing ?

    Thank you

    • mashal

      Hi Chiara,
      As long as you can prove your 56 hours you will be good to go.
      Best,
      -M

  • Veronika
    Reply

    I will be leaving my country in one month. Do I need any documents/proof of how high my parents income was to bring with myself so that I can apply for study finance? How does this work?

    • Kristian

      Hi Veronika,

      Yes, you need to provide income statements of both of your parents (usually, from the previous two years). You will then submit these along with your application (either online, or offline). There is no need to translate these documents into English / Dutch.

      Hope this helps,
      -K

  • Matteo
    Reply

    Hello there,

    I have recently moved to the Netherlands as I have been offered a professional internship based in Boxtel. This is a extracurricular experience I have spontaneously decided to take, however I am a second year student attending a Master’s Degree at the University do Algarve, Portugal. As I am not directly enrolled in a Dutch University, yet I am a student doing an extracurricular internship here, I wanted to clarify with you guys if this makes me eligible to apply for student finance.

    Thanks a lot for your time.

    • Kristian

      Hi Matteo,

      You must be directly enrolled at a Dutch university to be eligible for student finance.

      Best of luck,
      -Kristian

  • Paul Verheul
    Reply

    Hi,

    I am an EU citizen enrolled for a Masters beginning in September 2020, however I turn 30 in July.
    I suppose this means I don’t qualify for student finance?
    Would this rule apply to your age at the time of applying?
    Or the age when you begin your studies?

    Thanks so much.

  • Michelle
    Reply

    Hello!

    I have a doubt regarding the conditions for receiving the Regular Loan. Since I have not been living in the Netherlands for the past 5 years, just a couple months by now, it means that if I work at least 56 hours for 1 month (or more), then I will be eligible for the loan?
    Do I still need to be employed for 56 hours a month while studying/reciving the loan?

    Thank you very much!

    • Kristian

      Hi Michelle,

      Great question. Meeting the 56 hour requirement is only one of the requirements that you must meet – please review all of the requirements thoroughly before applying. You must be able to prove that you have a working contract & then must meet the 56 hours every month that you aim to receive student finance in.

      Also keep in mind that at this point in time, you may only ‘average’ out your hours if you’ve been eligible for student finance for at least 12 months. Up until then, you must have at least 56 hours every month and cannot compensate hours from separate months.

      As for your employment question – you must either be employed or work as a freelancer/entrepreneur for the 56 hours per month.

      Good luck,
      -Kristian

  • Pierre
    Reply

    Dear sir/madam,

    Is it possible for Turkish citizens that want to study in Netherlands (HBO or university) to get any financial support or loans. I am looking for information for a Turkish friend of mine, she just finished high school.

    • Kristian

      Hi Pierre,

      At the moment, student finance provided by the Dutch Ministry of Education & Culture is only available to students that are citizens of an EEA country. However, I’d recommend to explore all available scholarships to see whether any of them fit the requirements of your friend: https://www.studyinholland.nl/finances/scholarships/find-a-scholarship

      Hope this helps,
      -Kristian

  • Tere
    Reply

    Hello!

    Is there any specific deadline when applying for Student Finance? Should I apply for Student Finance when applying for a university or is it done later?

    • Kristian

      Hi Tere,

      There is no specific deadline when applying for student finance. You should and can only apply for student finance once you’ve been accepted to a university in the Netherlands.

      Also, If you are eligible for student finance, you will receive it from the date that you applied (i.e. the payments will be back-dated).

      Hope this helps,
      -K

  • A Kiss
    Reply

    Hello!
    Could you please tell me whether the full-time (160 hours/month) paid traineeship contracts (during the HBO Bachelors studies) count as a contract for receiving the student loan (for an EU student, non-Dutch)?
    in this regard, is there any major difference in terms of a how a “traineeship” is regarded in comparison to an “internship” or “employment” position (since the traineeship is still taking place during the period when the student is enrolled in a Dutch university and there is a signed contract between the trainer and trainee).
    Thank you very much!

    • Kristian

      Hi A,

      Thank you for your question. Since this question is very specific and has to do with the way you interpret specific paragraphs in Dutch law, we’d recommend to ask our Legal Partner – Van Ardenne & Crince le Roy Advocaten. They have a free help desk using which you can request an answer to any question. Please send your questions directly to r.wijling@vanardenne-crinceleroy.nl

    • K

      Hi,

      I have the exact same question. Were you able to get an answer?
      Krisitian, the email you provided does not work anymore – do you know if DUO is applicable to interns (combined with studies).

      Thank you!

    • Kristian

      Hi K,

      Thank you for pointing this out – the email has been corrected!

      Please contact the provided email to request more information on this topic.

      Good luck,
      -Kristian

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