How to pay for university with the “Fondo per lo Studio”

Have you heard about the Fondo per lo Studio and want to learn more? What is the Fondo per lo Studio? How can you access the Fondo per lo Studio? Then read on.

The Fondo per lo Studio is not a scholarship, but a subsidized student loan: a tool designed to let you study today and repay tomorrow in affordable installments, once you have completed your academic path.

It is a government-backed loan managed by Consap, covering up to 70% of the risk for participating banks. Thanks to this public guarantee, you can obtain a loan even without income, payslips, or family guarantors, with more favorable conditions compared to a traditional personal loan.

It is intended for deserving students between 18 and 40 years old who wish to cover expenses for study, housing, or training in Italy and abroad.

With Habacus, checking the requirements and receiving support is even easier: a fast, transparent, and fully digital process.

Who can access the Fondo per lo Studio

To apply for the loan, you need to meet a few key requirements:

Age → applicants must be between 18 and 40 years old and reside in Italy.
Merit → academic merit must be demonstrated only through the most recent qualification obtained:

• High school diploma grade ≥ 75/100
• University degree grade ≥ 100/110

Individual exam grades are not required.

For which courses of study is it possible to apply for a student loan?

• Bachelor’s and Master’s degree programs
• First and second level Master’s degrees
• Specialization courses
• Three-year PhD programs
• ITS (Higher Technical Institutes) courses
• Recognized language courses

We can help you quickly check whether your course of study is eligible for funding.

How financing works

The process for accessing the Fondo per lo Studio consists of a few simple steps:

1. Check the requirements: verify that you meet the criteria for age, merit, and type of studies.
2. Consult the lending banks: only affiliated institutions can grant guaranteed loans.
3. Apply for the loan: submit your application online or at the bank, attaching the required documents.
4. Receive the money: the amount is paid out in annual installments if the course lasts more than one year.

With Habacus, you can:

• Quickly check online if you meet the requirements
• Compare participating banks
• Receive direct support from our operators

The benefits of the Fondo per lo Studio

Compared to a standard personal loan, a government-backed student loan offers significant benefits:

• No pay slip or guarantor required
• Lower average interest rates than personal loans
• Deferred repayment: up to 30 months after the last installment received
• Coverage targeted at study, accommodation, and training expenses

The Fondo per lo Studio is a concrete solution for financing your education, even without personal income guarantees. Thanks to the state guarantee, the absence of pay slip requirements, and a flexible, deferred repayment plan, it represents an accessible and sustainable investment for those who want to build their academic and professional future.

How much can you apply for with the Fondo per lo Studio

With the Fondo per lo Studio, you can request a bank loan ranging from a minimum of €3,000 to a maximum of €5,000 for each remaining year of study, up to a total cap of €25,000. With the new decree, the maximum amount will be doubled: read our article to find out all the upcoming changes in advance.