About Habacus
Habacus certifies students’ academic performance and promotes the right to education.
Our goal is to make post‑secondary education accessible, informed, and sustainable.
The first Italian organization connecting merit, credit, and inclusion
Habacus is the first entity in Italy to certify students’ academic performance, facilitating access to student loans in an objective, digital, and independent manner.
In Italy, access to university remains unequal
A challenging context for students and families
Italy has one of the lowest graduation rates among OECD countries. 35% of students cite financial difficulties as the main obstacle to continuing their studies. In this scenario, Habacus acts as a bridge between students and opportunities.
Habacus was founded to enhance human capital
Since 2017, a journey of innovation and impact
Founded by Paolo Cuniberti in 2017, Habacus addresses the educational gap with technological solutions and institutional partnerships. In 2024, it closed a €5 million funding round led by P101 SGR and CDP Venture Capital to strengthen its network with banks and universities.
The company has already certified over 50,000 students, facilitating access to student loans through its network of around 1,300 educational institutions, banks, and companies.
Moreover, Habacus aims to reach up to 100,000 students by 2026, consolidating an integrated educational and professional ecosystem.
How the Habacus certification service works
Habacus certifies academic performance, integrating it into banking systems to facilitate access to student loans, even without collateral. More than 10,000 students every year use the platform to fund their university or master’s studies.
Habacus is not just a bridge between students and student loans, but a comprehensive platform that integrates educational guidance, skills certification, information validation, housing solutions, and job placement opportunities. Only 0.8% of certified students discontinue their studies, compared to the 17% national average [source: Istat].
With the aim of reducing university dropout rates and promoting inclusion, the Habacus community has already proven its effectiveness. This demonstrates how access to tools like study funds can make a real difference in academic success.
The student loan: an under‑known but essential tool
An accessible resource for those who demonstrate academic commitment
The student loan allows students to cover the costs of post-secondary education with favorable interest rates, repayable only after completing the program. Contrary to the perception often associated with the term “merit,” these products are not reserved for top performers: they are designed for those who show consistency and motivation.
Loans with state guarantee change the game
The role of the Fondo per il Credito ai Giovani and the 2024 reform
In July 2024, the Fondo per il Credito ai Giovani, also known as “Fondo per lo Studio”, was deeply reformed with the introduction of the garanzia statale di ultima istanza, which covers up to 70% of the capital disbursed. Thanks to this innovation, banks can significantly reduce their share of risk and support greater accessibility to credit for individuals without assets.
Technology serving education and employment
The Habacus platform connects academic career and the job market
Habacus’s digital architecture enables continuous monitoring of educational paths and integrates ESG metrics. We are building a national infrastructure to make educational investment more transparent, sustainable, and valued by the job market.
The Habacus platform is built on an API-based architecture, designed to enable full digitalization of the credit cycle, continuous monitoring of academic careers, the collection of ESG metrics on educational investment, and direct linkage between education and the labor market. Our goal is to build a national infrastructure that makes investment in human capital measurable, sustainable, and accessible.
Three areas of action to support students and families
Habacus operates on three levels: financial education, academic guidance, and investment awareness.
• We support families in evaluating the economic impact of university;
• We provide practical tools to compare costs, returns, and career paths;
• We help students understand how a loan works and what it entails.
We offer the tools to decide whether and how to access credit for their future.
Banks we work with
Our partnerships
To reach students at the crucial moments of their choices.
Carta Giovani Nazionale
In collaboration with the Presidenza del Consiglio, we offer guidance and planning content via the IO app.
Read the articleLezioni del Corriere
To contribute to Corriere della Sera’s educational platform with content on guidance and future-oriented education.
Visit the websiteStudenti.it
A guidance model that helps students assess post-diploma pathways, living costs, and employment returns.
Find out morePress coverage
Insights from national media
The Fondo Studio is strengthened through the Consap–Habacus agreement
Consap
Loans for university and master’s programs: the banks and institutions that finance students on better terms
Corriere.it
Habacus, the startup that facilitates student loans without financial guarantees
Corriere della Sera – L’Economia
Student loans made easier with Habacus, the startup improving access to financial resources
ilSole24ore
Habacus’ students
Niloon M.
I would like to share my feedback regarding the loan I took out for my studies. Overall, the loan application process was well organized, and I appreciated the support I received throughout the various stages.
Vanessa D.
I would like to sincerely thank you for what you do. You are giving me the opportunity to study with peace of mind by handling my application. I am deeply grateful.
Malick D.
Habacus’ service is fast and extremely clear. The support via WhatsApp is very transparent and friendly, as well as highly knowledgeable, and they guide you all the way through to obtaining the loan. I recommend it to anyone who is struggling with their studies.
Mariateresa D.
Very fast and accurate service in checking documents. The team is always available and kind; they followed my application step by step with great speed and punctuality.
Claudia B.
Very professional, and I find the simplicity of their procedures important. Highly recommended.
Thomas D.G.
I am an Italian university student studying in the United States. The Habacus team, with their kindness and professionalism, gave me the opportunity to access a loan that will allow me to complete my criminology studies. I am very grateful to have met such attentive and kind people. Nowadays, it’s not easy to find people like that. Grateful.
Antonio F.
They were very kind to grant me this loan. Once the required documents were uploaded, the service was fast and the response was immediate—within a maximum of 3 to 5 business days.
Alex P.
Functional, practical, and effective…
Gian M.
Responsible and attentive — the best words to describe Habacus.
Catherine K.
Thanks to the merit-based loan provided through Habacus, I had the opportunity to invest in my education without worrying too much about expenses. It was a concrete support that allowed me to focus on my studies and grow professionally. I recommend it to anyone who wants to build their future with peace of mind and without placing a burden on their family.
Nicole S.
Top-notch service and support!
Salvatore F.
Very simple and intuitive – even when I had an issue at the beginning last year, it was fully resolved.
Giorgia D.
Super helpful, they guided me step by step 🫶🏻 10 out of 10!
Paola P.
Very quick in checking documents, I didn’t have any problems.
Sara A.
Kind and always available.
Luigi A.
Habacus is a competent and efficient certifying body that truly cares about students’ needs.
Nicola D.
Great supporters and great allies — we hope to be able to count on you in the future as well.
Margherita D.
A truly unique support to help you achieve your professional dreams.
Federico C.
Two words: professionalism and flexibility.
Carlo D.
You are always precise and punctual.
Gabriele T.
Thanks to Habacus’s service, I was able to obtain a student loan. The team was truly kind and helpful!
Nicari
Excellent service and excellent communication.
Mohammad M.
It’s great that you handle everything as quickly as possible and keep us updated via email throughout the process.
Salvatore L.
Great experience.
Josef Z.
Fast service.
Press contacts
For press inquiries, interviews, data, or official materials.
Email: press@habacus.com
Interviews available in Italian and English, upon request.