Fondo per lo Studio: how it works and how to apply for a loan

The “Fondo per lo Studio”, also know as study fund, is a tool that allows young people to obtain a student loan 🚀

Student loans are designed specifically for students, featuring benefits such as no parental guarantees required and the possibility to repay the loan more than a year after completing studies.

Loan disbursement:

With the study fund, you can receive from 3,000€ up to €15,000 for each remaining year of study, with a maximum limit of €50,000 for students enrolled in a course in Italy and €70,000 for those studying abroad.

You can apply regardless of your academic performance.

To access the student loan, you only need to be up to date with tuition fee payments and certify the grade obtained in your last completed degree 🚀

Repayment

Those who receive the loan must repay it within a period of 3 to 15 years. Repayment begins no earlier than the 30th month after the last installment of the loan. What does this mean? At the end of your studies, before the repayment phase starts, you have a mandatory 30-month period during which you will only pay the interest portion of the loan.

This program represents a significant opportunity for young people who want to invest in their education, overcome financial obstacles, and build a solid professional future.

Not sure where to start? Take our test and chat with us, we’ll guide you in shaping your future! 👇🏼

Learn more

Want to learn more about student loans? Read our article here.

Consap manages the fund and ensures compliance with the requirements for accessing the youth study fund.

Lenders commit not to request additional guarantees beyond those provided by the state.

Application

To apply for the study fund, you must be enrolled in one of the following programs:

A three-year bachelor’s degree or a 5th year master’s degree program, having obtained a high school diploma with a score of at least 75/100;

A Master’s degree program, provided the applicant holds a Bachelor’s degree with a final grade of at least 100/110;

A first- or second-level university Master’s program, provided the applicant holds a university degree (either Bachelor’s or Specialist/Master’s degree) with a final grade of at least 100/110;

A postgraduate specialization course following a single-cycle Master’s degree, with a final grade of at least 100/110;

A PhD program, provided the applicant holds a Specialist/Master’s degree with a final grade of at least 100/110;

A language course lasting no less than 6 months, recognized by a Certification Body;

An ITS (Higher Technical Institute) program, provided the applicant holds a high school diploma with a final grade of at least 75/100.

To access the study fund, you must:

• Be between 18 and 40 years old;

Have obtained a high school diploma from:

• An Italian public or private school authorized by the MUR to issue legally recognized diplomas in Italy;
• A foreign school authorized by the MUR to open a branch in Italy and issue legally recognized diplomas in Italy;

Be up to date with tuition fee payments for all degree programs, specialization courses, and master’s programs.

Want to check if your study program is eligible for funding? Take our test and chat with us 👇🏼