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 approval processes.

3- Ongoing Verification: We ensure that students continue to meet the requirements set by 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 find out which student loans you might be eligible for before submitting an official application, Habacus offers a helpful pre-assessment tool consisting of 3 steps:

1. Access the test: you can take the pre-assessment test available at this link.
2. How it works: After answering a series of simple questions about your personal details and academic background, the tool will provide a list of student loans available on the market that you might qualify for.
3. Results: the test will help you understand which financing options are suitable for your academic profile, making it easier for you to choose and prepare for the official application.

As a certification body, Habacus integrates its academic performance certification into banking 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.

For any doubts about the certification request or if support is needed, students can write to info@habacus.com or download the Habacus app to chat with an operator (available from Monday to Friday from 9:00 AM to 6:00 PM).