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Information for families

Is it time to support your child’s future?

Helping your child continue their education after high school is possible, without putting pressure on the family budget.

Explore student loans
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Cosa serve davvero

Student loans can be
rectangle simple to access

It does not take much to get started. Here is what you need, and what you do not need.

Enrolled in a university, master’s programme, academy, or conservatory

Have paid the enrolment fee for the current year

Attend regularly and not be behind schedule in your studies

Rankings or minimum score requirements

High exam grades

Italian ISEE income declaration

Free eligibility check tool

Check together whether a funding option is available for your path. In 2 minutes, with no bank details required.

Check the requirements
Perchè è diverso

How circle-yellow a student loan really
works

Good to know: it is very different from a personal loan.

Student loan

Fondo Studio
  • Guarantee Not required
  • Repayment After graduation At least 30 month after disbursment
  • Interest rate Less than 7%
  • ISEE Not required

Personal loan

  • Guarantee Payslip / required
  • Repayment Immediately, from the first instalment
  • Tasso More than 8%
  • ISEE Often required

Repayment starts 30 months after the last disbursement. Learn more in the FAQs.

Why it is sustainable

A smart choice

Disbursement in instalments

The amount is paid in separate steps, after each check confirms active student status. You receive only what you need, when you need it.

Post-graduation repayment

Repayment can start up to 24 months after completing the study programme. This allows for a more gradual and sustainable plan for the family.

Preferential rates

Lower rates than personal loans. Conditions designed for students.

Flexible use

Rent, daily expenses, study trips, emergencies. The loan can cover what is needed, with no restrictions.

Take the first step together

Want to know if your son or daughter
can access line-zc-white student funding?

Find out together how to pay for university. It only takes 2 minutes. No commitment, no bank details required.

Free
No bank details required
OAM-certified brokers
Start with no commitment
famiglia finanzia studi università con prestito studenti

Answers that can help you

To compare student loans before applying to a bank, Habacus offers a useful 3-step pre-check tool:

1. Fill in the form
Enter academic information, such as the name of the education provider, the type of course, and the city.

2. View the results
See the list of student loans available in Italy.

3. Get free guidance
Contact our expert team to receive clear information about access, disbursement, and repayment.

Still have questions?

Message us on WhatsApp. Reply within 5 minutes.

Chat now

What other families circle-orange say

Don’t take our word for it. Hear it from them.

Niloon M.

07/05/2025

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.

24/04/2025

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.

17/07/2025

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.

01/05/2025

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.

15/05/2026

Very professional, and I find the simplicity of their procedures important. Highly recommended.

Thomas D.G.

12/03/2024

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.

13/11/2025

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.

Gian M.

24/10/2025

Responsible and attentive — the best words to describe Habacus.

Catherine K.

15/09/2025

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.

Salvatore F.

18/10/2025

Very simple and intuitive – even when I had an issue at the beginning last year, it was fully resolved.

4.6 out of 5 · 120+ verified reviews Read all reviews on Google

Take the first step. It costs nothing.

Find out in 2 minutes whether your son or daughter can fund their studies. No commitment, no surprises.

Start here
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genitori habacus scegli prestito studenti