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Invest in your future
with confidence.
Access the best educational opportunities. Student loan support you building in the future you want.
Start your journey
We help you make an informed choice.
Our goal is to help you understand, compare, and choose the right student funding option in Italy, especially if you don’t have proof of income or a guarantor.
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Explore your options: compare key features
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Check the eligibility criteria: age, enrollment, minimum grade
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Make a calm decision: timing, costs, and repayment terms
What is a student loan?
Student loans offer support throughout your studies, and you won’t need to start repaying them immediately.
Whether for tuition, housing, transport, or daily costs, a student loan can support you while attending university or a master’s degree.
Repayment starts after your studies, and in some cases, only after 24 or even 30 months from the final disbursement.
What can you finance with a student loan?
In many cases, a student loan helps cover the costs of recognized study programs, both in Italy and internationally. Among the options:
Bachelor’s, Master’s, or combined programs in Italy
First or second level university Master’s degrees
Three-year PhD programs abroad
Postgraduate specialization courses in Medicine and Surgery
Erasmus experiences or academic programs abroad
Language courses of at least six months, certified by recognized institutions
The loan can cover not only tuition fees, but also rent, transport, meals, books, study materials, and other education-related expenses.
Got questions?
Totally normal.
After all, when it comes to money and your future, wanting clarity is completely natural. That’s why student-focused solutions are built to be flexible, accessible, and tailored to your needs.
What’s like to get started with us?
1. Choose your program
Tell us which course of study you’d like to apply for a student loan.
2. Check your eligibility
See if you meet the requirements for the available student loan options
3. Compare your options
Dive into terms, costs, disbursment details and repayment conditions.
4. Make your choice
Pick the solution that fits you best and start building your future.
What’s your goal?
We’ve gathered all the available solutions for these specific needs:
Real stories, smart choices
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.
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.
A smart choice
opens the door to your future
Since making informed choices starts with knowledge, understanding how student financing works is the first step.
Then, compare options, run simulations, and ask for support.
Every achievement starts with a first step. Yours can begin today.
