Habacus’ Community

Habacus is the first certification body in Italy specialized in assessing students’ academic performance. Habacus supports financial institutions in evaluating students’ profiles and academic merits.

As a licensed credit intermediary, Habacus also facilitates and manages the connection between students and financial institutions.

In its role as a certification body, Habacus integrates academic performance certification into banking processes, helping financial institutions assess students’ eligibility for student loans. This certification confirms that students meet the specific requirements set by different financial products.

In addition, Habacus provides post secondary education guidance and financial education services to help students better understand the opportunities related to the right to education and make more informed decisions about their future.

No, Habacus does not provide financing. We are a certifying body that connects students, post-secondary education institutions, and financial institutions.

What we do:

1. Certification: We collect and analyze students’ academic data to certify their eligibility for student loans.

2. Support: We assist banks in evaluating students’ academic profiles and merits as part of their loan approval processes. Once Habacus obtains the status of credit broker—currently underway—we will also facilitate the connection between students and financial institutions.

3. Ongoing verification: We check that students continue to meet the requirements set by banks before each loan disbursement tranche.

Important note: Students do not sign contracts directly with Habacus. To access the loans, they must open an account and sign a contract with the selected bank.

You can contact us by email at info@habacus.com or via WhatsApp chat from Monday to Friday, 9:00 AM to 6:00 PM, at +393492360070.

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 depends on the product. Typically, all tertiary education courses recognized by the Italian Ministry of University and Research (MUR) are eligible, including university degrees, AFAM, SSML, ITS, and language courses lasting at least six months certified by a recognized institution.