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Is it time to pay
for university?
Supporting your child’s post-secondary education is possible — even without straining the family budget.
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Why a student loan is simple and accessible
It takes very little to access a student loan. Here’s what’s required:
Be enrolled in a university, master’s program, academy, or conservatory
Have already paid university fees for the current academic year
Be regularly attending the program (not behind schedule)
No rankings or minimum test scores required
High grades are not needed to qualify
The ISEE income statement is not required and does not affect eligibility
How does a student loan actually work?
Spoiler: it’s very different from a personal loan
Required guarantees
When repayment starts
Interest rates
Personal loan
Payslip / guarantor / parents’ signature
Immediately, from the first installment
>8%
Student loan
Not required
After graduation*
<7%
*Repayment starts 30 months after the last disbursement. See the FAQs for full details.
What makes a student loan a sustainable choice
Disbursement in tranches
The loan is distributed in multiple phases, following verification of active student status — so you only receive what you need, when you need it.
Post-graduation repayment
Repayment can begin even 24 months after the end of studies, allowing families to manage university expenses gradually and sustainably.
Reduced interest rates
Student loans offer lower interest rates than personal loans. Terms are designed specifically for students covering education costs.
Flexible use
Whether it’s rent, daily expenses, study trips, or unexpected costs, the loan helps pay for university without sacrificing peace of mind.
*Repayment starts 30 months after the last disbursement. See the FAQs for full details.
Want to know if your son/daughter can get a student loan?
Explore how to pay for university together with our free eligibility checker.
F.A.Q. – Frequently asked questions
We offer all the support you need
Not sure if this is the right choice for your family? We can help you evaluate it with confidence.
How much can I request?
Quickly find out how much you can apply for with a student loan designed to cover university expenses.
How does the application work?
Learn the simple steps to access the loan and help your child without complications.
When does repayment start?
It’s easy to understand how repayment works, so you can plan ahead with peace of mind.
Which universities are included?
Check if your child’s university is eligible and part of the loan network.
How is the loan disbursed?
Learn about the phased disbursement process to understand how funds are distributed over time.
What documents are needed?
We guide you step-by-step with everything you need to complete the application without delays.
An opportunity to reach your goals
On average, a student enrolling in an Italian university today will spend around €20,000 by graduation to cover educational costs. That’s why the student loan exists: to reduce pressure on the family budget and give students the freedom to focus on their future.
A different approach
Italy vs USA
🇺🇸 United States of America
- University fees in the U.S. can range from $30,000 to $50,000 per year
- The average U.S. student graduates with over $41,000 in education debt
- More than 60% of students use credit tools to fund their education
🇮🇹 Italy
- In Italy, public university tuition ranges from €0 to around €3,500 per year
- The average student loan amount is under €15,000
- Student loans are an additional option to help pay for education and related expenses
📌 In summary
Even though university in Italy isn’t always free, support tools are available and accessible. The student loan is a useful and flexible resource, designed for those who want to:
- Cover daily living expenses during studies
- Attend a high-quality master’s program, even abroad
- Support an international education experience
- Purchase essential tech tools like a new laptop or tablet
Real stories, conscious 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.