The Youth Credit Fund: how it works and how to apply for a loan

The youth credit fund, also called the 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 up to €5000 for each remaining year of study.

You can apply regardless of your academic performance.

It’s simple, you can access it even if:​

👉🏼 you are one month away from completing your studies

👉🏼 you are behind schedule with your coursework

👉🏼 you have not yet obtained CFU credits for the current academic year

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! 👇🏼

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.

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

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

👉🏼 A master’s degree program, having obtained a bachelor’s degree with a score of at least 100/110;

👉🏼 A first or second-level university master’s program, having obtained a bachelor’s or master’s degree with a score of at least 100/110;

👉🏼 A specialization course following a single-cycle master’s degree in medicine and surgery with a score of at least 100/110;

👉🏼 A PhD abroad, which must have a legal duration of three years for recognition in Italy;

👉🏼 A language course of at least 6 months, recognized by a “Certification Body.”

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 👇🏼