Data at the service of the future

Habacus is the first certification body in Italy specialized in the verification of students’ academic performance. Our key role is to facilitate the relationship between students and financial institutions to facilitate access to student loans.
As a certification body, Habacus integrates its academic performance certification into banking processes, helping banks determine student eligibility for loans. This certification confirms that students meet the specific requirements of various financial products.

No, Habacus does not grant loans. We are a certification body that connects students, post-graduate educational institutions, and financial institutions. What we do: 1- Certification: We collect and analyze students’ academic data to certify their eligibility for student loans. 2- Facilitation: We collaborate with banks, integrating our certification into their loan granting processes. 3- Continuous Verification: We ensure that students maintain the necessary requirements for banks before each loan installment is disbursed. Important Note: Students do not sign contracts directly with Habacus. To access loans, they must open an account and sign a contract with their chosen bank. Habacus handles the necessary certification to access loans.

If you want to know which student loans you may qualify for before submitting an official request, Habacus offers a useful pre-certification tool: 1- Access to the test: You can use the pre-certification test available on this site. 2- How it works: After answering a series of simple questions about your personal data and academic path, the tool will provide you with a list of student loans available on the market that may be suitable for you. 3- Results: The test will help you understand which financing options are right for your academic profile, assisting in your selection and preparation of the official request.

As a certification body, Habacus integrates its academic performance certification into bank processes, helping banks determine students’ eligibility for loans. This certification confirms that students meet the specific requirements of various financial products. Following the initial assessment, Habacus also manages the ongoing monitoring of students’ academic progress. This includes periodic verification that students maintain the necessary requirements to continue receiving further loan installments.

Pre-certification is a non-binding test that students can use to simulate their eligibility for a student loan based on the academic requirements they have declared. Certification is the verification of the student’s requirements based on the characteristics requested by the chosen financial product, which takes place after a loan request has been made to the bank.