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.

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, 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.

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 loans can offer up to €5,000 per remaining year of study, up to a maximum of €25,000.

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

Some products offer higher amounts for students studying away from home. Generally, you can request up to €5,000 per year remaining in your studies.

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.

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.

The grace period helps students transition from school to work. Family support can also help during this time.

After application, the bank checks documents, possibly awaits state guarantee approval, and verifies credit conditions. If approved, the student may need to visit a branch to sign the contract before disbursement.

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.