Student loans in Italy

Discover financing solutions to study without worries

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Studentessa universitaria sorridente con documenti e caffè, pronta a iniziare il suo percorso accademico con il supporto di Habacus,

Education planning

Not sure where to start? Our tool helps you figure out where to study

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Gruppo di studenti universitari davanti all’ateneo, supportati da Habacus nella scelta del loro percorso accademico.

Student loans tailored to you

Turn your dream into a concrete plan: with sustainable repayments designed to support you without limiting your choices. Because every great project begins with smart planning.

Studentessa sorridente con zaino, pronta a iniziare un percorso accademico supportato dalla certificazione Habacus

Simulate your student loan

Which course would you like to finance?

Required amount –

– –

Repayment period –

3 years 15 years

Starting from

– € / month*

Repayment begins after the end of studies.

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*Calculation Assumptions
The simulation is intended for illustrative purposes only and is based on sample parameters, which do not correspond to actual contractual conditions. The annual interest rate has been calculated according to the formula IRS + spread, assuming a spread of 0%. At present, the IRS value recorded on September 30, 2025, has been used. This value will be subject to updates over time. The final rate indicated is not binding and does not constitute an offer or a promotion addressed to the public. Given its purely illustrative and exemplary purpose, the simulations cannot in any way replace the official documentation provided by banks.

Data and Assessments
The simulator does not collect sensitive personal data as defined by Regulation (EU) 2016/679, nor does it assess the user’s financial situation. It does not perform profiling, creditworthiness checks, or preliminary investigations.

Amounts and Conditions
The maximum amount that can actually be requested depends on various factors, starting with the remaining duration of the course of study, and may therefore differ from the amount shown in the simulation.

Updated terms and conditions and disbursement
The granting of the loan and the financial terms and conditions depend exclusively on the lending bank. For up-to-date information on banks and terms and conditions, click on “View the list of available banks”.

How Habacus works

We guide you through a world that often no one really explains

1. Check your eligibility

We explain how student loans work, using simple language and giving you all the information you need to make informed decisions.

2. Explore your options

We show you the options that best suit your path, clearly explained.

3. Ask for help, if you need it

Have questions or need help with your application? We’re here for you, step by step.

Taking the first step is the best way to reach a goal.
Take the test for free and with no obligation

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Why Habacus

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Trust

We are licensed credit brokers, regulated by OAM. Our team is trained to guide you through everything, one step at a time.

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Transparency

We’re transparent from the very beginning: requirements, interest rates, disbursement and repayment plans—everything clearly laid out, with no hidden jargon.

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Smart choice

With our tools, you have all the information you need—but the choice is entirely yours. No pressure, just clarity.

Data helps you make better choices. Find the right student loan for you,
free and with no obligation.

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We help you dream, choose and achieve

Whether you’re just starting out or looking for a new direction, we’ll help you find the right course, in the right city, whit a clear view of costs and potential.

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Studentessa felice nel campus, sostenuta dai prestiti studenti che permettono di concentrarsi sullo studio, grazie ad Habacus.

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Dive into courses, costs and key strengths, so you can choose the right place for you, with greater awareness.

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Studente universitario concentrato al computer, impegnato nella ricerca e nel confronto di soluzioni finanziarie sulla guida prestiti studenti di Habacus

Can you get a student loan?

Find out in seconds if the university or school you chose is eligible for a student loan in Italy

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Habacus-supported students

Niloon M.

I would like to share my feedback regarding the loan I took out for my studies. Overall, the loan application process was well organized, and I appreciated the support I received throughout the various stages.

Vanessa D.

I would like to sincerely thank you for what you do. You are giving me the opportunity to study with peace of mind by handling my application. I am deeply grateful.

Malick D.

Habacus’ service is fast and extremely clear. The support via WhatsApp is very transparent and friendly, as well as highly knowledgeable, and they guide you all the way through to obtaining the loan. I recommend it to anyone who is struggling with their studies.

Mariateresa D.

Very fast and accurate service in checking documents. The team is always available and kind; they followed my application step by step with great speed and punctuality.

Claudia B.

Very professional, and I find the simplicity of their procedures important. Highly recommended.

Thomas D.G.

I am an Italian university student studying in the United States. The Habacus team, with their kindness and professionalism, gave me the opportunity to access a loan that will allow me to complete my criminology studies. I am very grateful to have met such attentive and kind people. Nowadays, it’s not easy to find people like that. Grateful.

Antonio F.

They were very kind to grant me this loan. Once the required documents were uploaded, the service was fast and the response was immediate—within a maximum of 3 to 5 business days.

Alex P.

Functional, practical, and effective…

Gian M.

Responsible and attentive — the best words to describe Habacus.

Catherine K.

Thanks to the merit-based loan provided through Habacus, I had the opportunity to invest in my education without worrying too much about expenses. It was a concrete support that allowed me to focus on my studies and grow professionally. I recommend it to anyone who wants to build their future with peace of mind and without placing a burden on their family.