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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.

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, the following conditions must be met:

– Age between 18 and 40 years;

– Regular enrollment in an educational institution included in the approved network;

– Completion of the previous level of education with a minimum grade: high school diploma ≥ 75/100, or university degree ≥ 100/110;

– Not being behind schedule with the academic program;

– No outstanding financial obligations with the educational institution.

In addition to the requirements listed above, banks may require proof of residence in Italy as a fundamental condition for granting the loan.

For more details, you can visit the website politichegiovanili.gov.it in the section dedicated to Fondo per il credito ai giovani.

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

It depends on the product. State-guaranteed loans can offer up to €5,000 per remaining year of study, up to a maximum of €25,000.

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.

Before each installment, checks ensure the student still meets requirements (e.g., enrollment, attendance, or credits earned). If not, the bank may suspend further disbursements and start the repayment grace period.