To understand which loans you might qualify for, you can use our 3-step pre-screening tool: access the test on the Habacus website, answer basic questions about yourself and your academic path, and receive a list of possible loan options tailored to your profile.

The range of eligible courses and institutions that can be financed may vary depending on the product. Generally, all courses recognized by the MUR as tertiary education pathways are eligible for funding. These therefore include bachelor’s degrees, master’s degrees, single-cycle degree programs, first- and second-level university master’s programs, specialization schools, and doctoral programs offered by Universities, AFAM institutions (Higher Education in Art, Music and Dance), and SSMLs (Higher Schools for Linguistic Mediators), as well as tertiary and professional training courses offered by ITSs (Higher Technical Institutes). Language courses with a duration of no less than six months, recognized by a “Certifying Body,” are also eligible for funding.

To compare student loans, focus on the interest rate and maximum repayment period. Each loan requires signing a contract at a bank branch, so proximity to a local branch might influence your choice.

The ‘Youth Credit Fund’ is a government guarantee managed by Consap to support banks in providing student loans. It protects the bank and makes credit access easier for eligible individuals.

Yes, obtaining or applying for a scholarship does not prevent you from applying for a student loan.

No income requirements are needed to apply. Eligibility is mostly based on academic performance, although the final decision rests with the bank, which may conduct credit checks.

To be eligible for a state-guaranteed student loan, students should meet these requirements:

– Age between 18 and 40;

– Regular enrollment at an education provider included in the partner network;

– No outstanding financial obligations toward the education provider;

– Not being behind schedule with the program (i.e. within the standard duration of studies);

– Completion of the previous level of education with a minimum grade:

– High school diploma ≥ 75/100 (to finance a bachelor’s degree, a single-cycle master’s degree, or an ITS program), or

– Qualifying bachelor’s degree ≥ 100/110 (to finance a master’s degree, a first- or second-level master’s program, or a specialization school).

In addition to the requirements listed above, banks may request further conditions (e.g. residency in Italy) as essential criteria for granting financing.

Yes, obtaining or applying for a scholarship does not prevent you from applying for a student loan.

Student loans can cover more than tuition: they can also be used for rent, books, devices like laptops or tablets, and transportation costs.

No. Student loans are personal and generally do not require a parent’s signature.

No. You must be formally enrolled through the payment of the enrollment fee.

Unlike traditional loans, student loans don’t require job contracts or guarantors, but enrollment in a recognized institution is mandatory, along with basic requirements like age and possibly a minimum grade.

You need to be enrolled in a post-secondary institution to apply. Our tool shows which institutions are eligible.

Loans with a state guarantee require a minimum diploma score (≥ 75/100) or degree score (≥ 100/110). Some banks offer loans without state guarantees, using more flexible criteria.

Yes. The loan can be used to cover study-abroad programs like Erasmus, as long as your enrollment at a recognized institution remains valid.

Yes, the repayment duration is agreed between the student and the bank based on personal needs and the selected product’s terms.

No, there are no differences as long as the university is within the eligible scope. Use our tool to check eligibility.

It depends on the product. State-guaranteed student loans provide up to €15,000 for each remaining year of study, including the current academic year, up to a maximum of €50,000.

Student loans can be used for all education-related expenses, including living costs, rent, deposits, and materials. They are not restricted to tuition.

You may request up to €15,000 for each remaining year of study (up to a maximum of €50,000), including the current academic year, regardless of whether you are a local or out-of-town student

Yes. Since it’s a personal loan, you can use it to buy tools or equipment like a computer or tablet needed for your studies.

The interest rate is fixed and disclosed at the time of contract signing, giving you clarity on installment amounts and total interest.

Each bank has its own process. The Habacus site tool helps guide you through options and identify whom to contact.

If the loan is a lump sum, the full amount is disbursed at once. If in installments, disbursements are scheduled and conditioned on academic progress, verified by Habacus.

If the loan provides for disbursement in installments (particularly for multi-year programs), before each new disbursement other than the first, checks are carried out to verify that the student still meets the required eligibility criteria.
Depending on the banking product chosen, one or more of the following conditions may be verified:
• Proper enrollment in the subsequent academic year, evidenced by payment of the enrollment fee;
• Regular attendance, where required;
• Achievement of a minimum number of CFUs (university credits) as required by the study plan (the threshold varies from bank to bank).

If the requirements are no longer met, the disbursement of the subsequent installment may be denied. In some cases, this may result in the definitive termination of the financing.

In the event of termination, the disbursement phase is considered concluded and the pre-amortization period begins, at the end of which repayment will start according to the terms and conditions agreed with the bank.

The pre-amortization period, lasting at least 30 months, is specifically intended to help ease the transition from education to employment. Repayment may also be temporarily supported by the family.

After the application is submitted, the bank reviews the documentation and, in the case of a student loan backed by a State guarantee, waits for confirmation on the availability of guarantee funds. Once these checks are completed, and following an assessment of your creditworthiness, the loan is disbursed. A visit to a branch is required to sign the contract.

Yes, banks can give a general timeline for annual checks, which depend on when the loan was initiated.

Yes. If you fail to meet requirements (e.g., insufficient credits, inactive enrollment), the bank may withhold the installment and terminate the loan.

To continue receiving loan installments, you must submit official documentation (exam records, credit achievements, paid enrollment fees) from your institution.

Repayment starts after the grace period, which follows the final disbursement. During this period, you may only pay interest.

Student loans are tied to your specific academic program. If you drop out, the disbursement ends and the grace period before repayment begins.