{"id":1037,"date":"2024-11-23T14:07:49","date_gmt":"2024-11-23T13:07:49","guid":{"rendered":"https:\/\/habacus.com\/?page_id=1037"},"modified":"2025-09-22T16:22:00","modified_gmt":"2025-09-22T14:22:00","slug":"about","status":"publish","type":"page","link":"https:\/\/habacus.com\/en\/about\/","title":{"rendered":"About us"},"content":{"rendered":"<section\n    class=\"section relative pt-20 panel bg-v2-l-blue flex items-center justify-center overflow-hidden\"\n    >\n\n            <div class=\"absolute flex flex-wrap top-0 right-0 translate-x-1\/4 -translate-y-1\/4 w-3\/5 lg:w-4\/12 overflow-hidden z-0 blur-3xl\" style=\"-webkit-backdrop-filter: blur(64px);\">\n        <svg id=\"Livello_1\" data-name=\"Livello 1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.1\"\n            viewBox=\"0 0 976.3 976.2\"\n            class=\"fill-hoverblue w-1\/2\">\n            <path class=\"cls-1\"\n                d=\"M380,0H0v380c0,329.3,266.9,596.2,596.2,596.2h380v-380C976.3,266.9,709.3,0,380,0h0Z\" \/>\n        <\/svg>\n        <svg id=\"Livello_1\" data-name=\"Livello 1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.1\"\n            viewBox=\"0 0 976.3 976.2\"\n            class=\"fill-hoverblue w-1\/2\">\n            <path class=\"cls-1\"\n                d=\"M380,0H0v380c0,329.3,266.9,596.2,596.2,596.2h380v-380C976.3,266.9,709.3,0,380,0h0Z\" \/>\n        <\/svg>\n        <span class=\"w-1\/2\"><\/span>\n        <svg id=\"Livello_1\" data-name=\"Livello 1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.1\"\n            viewBox=\"0 0 976.3 976.2\"\n            class=\"col-start-2 fill-hoverblue w-1\/2\">\n            <path class=\"cls-1\"\n                d=\"M380,0H0v380c0,329.3,266.9,596.2,596.2,596.2h380v-380C976.3,266.9,709.3,0,380,0h0Z\" \/>\n        <\/svg>\n    <\/div>\n        <div class=\"w-full max-w-container px-4 mx-auto\">\n        <p class=\"font-montserrat text-primary-blue-950 text-sm font-light py-8 px-4\"\n            id=\"breadcrumbs\"><span><span><a href=\"https:\/\/habacus.com\/en\/\">Home<\/a><\/span><\/span><\/p>\n        <div class=\"lg:w-4\/5 text-center ease-in-div flex flex-col justify-center items-center mb-2 mx-auto\">\n                        <span\n                class=\"uppercase flex gap-2  items-center justify-center h-8 bg-white text-dddblue text-xs font-montserrat font-semibold pl-2 pr-3 rounded mb-6\">\n                <svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <path\n                        d=\"M12.9316 7.07189C11.1204 5.26095 9.99895 2.76043 9.99895 0C9.99895 2.76043 8.87748 5.26095 7.07054 7.07189C5.2615 8.88074 2.76072 10.0021 0 10.0021C2.76072 10.0021 5.2615 11.1235 7.07054 12.9302C8.87957 14.739 9.99895 17.2396 9.99895 20C9.99895 14.477 14.4786 10.0021 20 10.0021C17.2393 10.0021 14.7385 8.88074 12.9295 7.07399L12.9316 7.07189Z\"\n                        fill=\"#3762E9\" \/>\n                <\/svg>\n\n                About us<\/span>\n            \n            <h1\n                class=\"text-center text-dddblue text-44 lg:text-7xl font-bold pb-8 leading-12 lg:leading-18\">\n                                                <span class=\"font-montserrat text-40 lg:text-6xl\">Services to unlock<\/span>\n                                                                <span class=\"relative font-fraunces italic lg:font-80\">potential\n                                                        <\/span>\n                                            <\/h1>\n\n\n            <p\n                class=\"pb-10 text-center w-full font-montserrat text-base lg:text-xl font-medium text-dddblue\">\n                We support students with tools, information and qualified guidance to foster their personal and professional development.<\/p>\n\n\n                    <\/div>\n\n        <i class=\"fa-solid fa-chevron-down text-lightblue absolute bottom-4 mx-auto text-4xl hidden\"><\/i>\n    <\/div>\n<\/section>\n\n<section class=\"section about-section rounded-t-llg lg:rounded-t relative panel bg-dwhite flex flex-col items-center justify-center overflow-hidden px-1 pt-16 lg:pt-20\">\n\n    <h2 class=\"text-center text-dddblue font-bold pb-16 lg:pb-32 lg:leading-[56px] w-11\/12 lg:w-4\/5\">\n                                    <span class=\"font-montserrat text-2xl lg:text-40\">Our goal is to help make education more accessible and to create opportunities that generate lasting value for the future.<\/span>\n                        <\/h2>\n\n            <div class=\"w-11\/12 border-t border-t-dddblue\"><\/div>\n\n        <div class=\"about-overlap flex flex-col lg:flex-row items-center lg:justify-between py-8 w-11\/12 lg:w-4\/5\">\n            <div class=\"flex subsection flex-col lg:w-1\/2\">\n                <h2 class=\"text-dddblue font-fraunces font-bold text-44 italic pb-6\">Vision<\/h2>\n                <p class=\"font-montserrat font-medium text-dddblue text-base pb-6 lg:w-full\">We envision a future where student talent is supported by a connected, data-driven ecosystem that makes education a tangible opportunity. A world where barriers are reduced and opportunities become accessible to everyone.<\/p>\n\n                            <\/div>\n            <picture class=\"w-1\/2 items-start flex justify-end\">\n                <img decoding=\"async\" class=\"lg:w-3\/5\" alt=\"Rappresentazione della vision di Habacus\" width=\"\" height=\"\" src=\"https:\/\/habacus.com\/app\/uploads\/2025\/06\/Professore-che-conversa-con-studenti-6.webp\">\n            <\/picture>\n        <\/div>\n            <div class=\"w-11\/12 border-t border-t-dddblue\"><\/div>\n\n        <div class=\"about-overlap flex flex-col lg:flex-row items-center lg:justify-between py-8 w-11\/12 lg:w-4\/5\">\n            <div class=\"flex subsection flex-col lg:w-1\/2\">\n                <h2 class=\"text-dddblue font-fraunces font-bold text-44 italic pb-6\">Mission<\/h2>\n                <p class=\"font-montserrat font-medium text-dddblue text-base pb-6 lg:w-full\">We use data to help students, companies, and institutions make informed choices and achieve tangible results. We create connections that enhance potential and pave the way for real growth pathways. With us, projects become attainable plans and the future comes within reach.<\/p>\n\n                            <\/div>\n            <picture class=\"w-1\/2 items-start flex justify-end\">\n                <img decoding=\"async\" class=\"lg:w-3\/5\" alt=\"Rappresentazione della mission di Habacus\" width=\"\" height=\"\" src=\"https:\/\/habacus.com\/app\/uploads\/2025\/06\/Gruppo-di-studenti-che-batte-cinque-3.webp\">\n            <\/picture>\n        <\/div>\n    \n\n\n<\/section>\n\n\n<section class=\"bg-v2-l-blue flex justify-center pb-16 w-screen\">\n    <div class=\"flex flex-col justify-center items-center text-center lg:text-left lg:justify-between max-w-full pt-16 lg:pt-32\">\n        <div class=\"lg:flex lg:justify-between lg:items-center lg:w-4\/5 pb-10 lg:pb-10\">\n            <h2 class=\"lg:w-1\/2 text-4xl lg:text-44 lg:leading-12 font-bold text-primary-blue-950\">\n                                                            <span class=\"font-montserrat text-32 lg:text-40\">Our<\/span>\n                                                                                <span class=\"font-fraunces italic\">team<\/span>\n                                                <\/h2>\n            <a href=\"https:\/\/habacus.com\/en\/about\/team\/\" class=\"hidden lg:flex btn btn-primary\"><span class=\"\">Show more<\/span><i class=\"fa-solid fa-arrow-right text-white\"><\/i><\/a>\n        <\/div>\n        <div class=\"swiper-container-generic-loop w-screen max-w-full overflow-hidden pb-10\">\n            <div class=\"swiper-wrapper  relative max-w-full\">\n\n                                    <div class=\"swiper-slide group w-1\/2 lg:w-3\/12 rounded-mmd bg-white\/80\">\n                        <div class=\"flex flex-col items-center justify-center p-10\">\n                            <picture class=\"w-[110px] pb-10 rounded-[55px]\">\n                                <img decoding=\"async\" src=\"https:\/\/habacus.com\/app\/uploads\/2024\/11\/Paolo-Cuniberti.webp\" alt=\"\" class=\"object-cover  rounded-[55px]\">\n                            <\/picture>\n                            <h3 class=\"font-montserrat text-dddblue font-bold text-2xl text-center pb-3\">Paolo Cuniberti<\/h3>\n                            <span class=\"flex items-center justify-center h-8 bg-extralightblue text-dddblue text-xs font-montserrat font-semibold px-4 rounded-sm rounded-tr-mmd rounded-bl-mmd mb-6 uppercase\">Founder &#038; CEO<\/span>\n                            <p class=\"font-monsterat text-dddblue text-sm font-medium text-center\">\n                                                                After he graduated in Economics at Bocconi University, he entered the world of finance in &#8230;\n                            <\/p>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"swiper-slide group w-1\/2 lg:w-3\/12 rounded-mmd bg-white\/80\">\n                        <div class=\"flex flex-col items-center justify-center p-10\">\n                            <picture class=\"w-[110px] pb-10 rounded-[55px]\">\n                                <img decoding=\"async\" src=\"https:\/\/habacus.com\/app\/uploads\/2025\/07\/Andrea-Morresi-2.webp\" alt=\"\" class=\"object-cover  rounded-[55px]\">\n                            <\/picture>\n                            <h3 class=\"font-montserrat text-dddblue font-bold text-2xl text-center pb-3\">Andrea Morresi<\/h3>\n                            <span class=\"flex items-center justify-center h-8 bg-extralightblue text-dddblue text-xs font-montserrat font-semibold px-4 rounded-sm rounded-tr-mmd rounded-bl-mmd mb-6 uppercase\">Chairman of the Board<\/span>\n                            <p class=\"font-monsterat text-dddblue text-sm font-medium text-center\">\n                                                                A graduate in Finance from Bocconi University, he entered the world of finance with Deutsc&#8230;\n                            <\/p>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"swiper-slide group w-1\/2 lg:w-3\/12 rounded-mmd bg-white\/80\">\n                        <div class=\"flex flex-col items-center justify-center p-10\">\n                            <picture class=\"w-[110px] pb-10 rounded-[55px]\">\n                                <img decoding=\"async\" src=\"https:\/\/habacus.com\/app\/uploads\/2025\/01\/John-Galea-e1751553329533.webp\" alt=\"John Joseph Galea Habacus CFO\" class=\"object-cover  rounded-[55px]\">\n                            <\/picture>\n                            <h3 class=\"font-montserrat text-dddblue font-bold text-2xl text-center pb-3\">John Joseph Galea<\/h3>\n                            <span class=\"flex items-center justify-center h-8 bg-extralightblue text-dddblue text-xs font-montserrat font-semibold px-4 rounded-sm rounded-tr-mmd rounded-bl-mmd mb-6 uppercase\">CFO<\/span>\n                            <p class=\"font-monsterat text-dddblue text-sm font-medium text-center\">\n                                                                Graduate in Management Engineering (Sapienza University, 2009) with an MBA from IE Busines&#8230;\n                            <\/p>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"swiper-slide group w-1\/2 lg:w-3\/12 rounded-mmd bg-white\/80\">\n                        <div class=\"flex flex-col items-center justify-center p-10\">\n                            <picture class=\"w-[110px] pb-10 rounded-[55px]\">\n                                <img decoding=\"async\" src=\"https:\/\/habacus.com\/app\/uploads\/2025\/01\/Jacopo-Gasparetti.webp\" alt=\"Jacopo Gasparetti Tech Lead Habacus\" class=\"object-cover  rounded-[55px]\">\n                            <\/picture>\n                            <h3 class=\"font-montserrat text-dddblue font-bold text-2xl text-center pb-3\">Jacopo Gasparetti<\/h3>\n                            <span class=\"flex items-center justify-center h-8 bg-extralightblue text-dddblue text-xs font-montserrat font-semibold px-4 rounded-sm rounded-tr-mmd rounded-bl-mmd mb-6 uppercase\">Tech Lead<\/span>\n                            <p class=\"font-monsterat text-dddblue text-sm font-medium text-center\">\n                                                                Graduated in Computer Engineering in 2015 from Politecnico di Milano. During his master\u2019&#8230;\n                            <\/p>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"swiper-slide group w-1\/2 lg:w-3\/12 rounded-mmd bg-white\/80\">\n                        <div class=\"flex flex-col items-center justify-center p-10\">\n                            <picture class=\"w-[110px] pb-10 rounded-[55px]\">\n                                <img decoding=\"async\" src=\"https:\/\/habacus.com\/app\/uploads\/2025\/03\/19eab456-2b99-4f69-a128-d0ce1489bef3-e1741102327647.webp\" alt=\"Gabriella Berardi Habacus\" class=\"object-cover  rounded-[55px]\">\n                            <\/picture>\n                            <h3 class=\"font-montserrat text-dddblue font-bold text-2xl text-center pb-3\">Gabriella Berardi<\/h3>\n                            <span class=\"flex items-center justify-center h-8 bg-extralightblue text-dddblue text-xs font-montserrat font-semibold px-4 rounded-sm rounded-tr-mmd rounded-bl-mmd mb-6 uppercase\">Marketing &#038; Communication Manager<\/span>\n                            <p class=\"font-monsterat text-dddblue text-sm font-medium text-center\">\n                                                                Graduated in Communication Design in 2016 from Politecnico di Milano, she strengthened her&#8230;\n                            <\/p>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"swiper-slide group w-1\/2 lg:w-3\/12 rounded-mmd bg-white\/80\">\n                        <div class=\"flex flex-col items-center justify-center p-10\">\n                            <picture class=\"w-[110px] pb-10 rounded-[55px]\">\n                                <img decoding=\"async\" src=\"https:\/\/habacus.com\/app\/uploads\/2025\/03\/raffaele-esposto.webp\" alt=\"\" class=\"object-cover  rounded-[55px]\">\n                            <\/picture>\n                            <h3 class=\"font-montserrat text-dddblue font-bold text-2xl text-center pb-3\">Raffaele Esposto<\/h3>\n                            <span class=\"flex items-center justify-center h-8 bg-extralightblue text-dddblue text-xs font-montserrat font-semibold px-4 rounded-sm rounded-tr-mmd rounded-bl-mmd mb-6 uppercase\">Head of Project Delivery &#038; Revenue Operations<\/span>\n                            <p class=\"font-monsterat text-dddblue text-sm font-medium text-center\">\n                                                                Graduated in Management Engineering in 2012 from Politecnico di Bari. He began his career &#8230;\n                            <\/p>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"swiper-slide group w-1\/2 lg:w-3\/12 rounded-mmd bg-white\/80\">\n                        <div class=\"flex flex-col items-center justify-center p-10\">\n                            <picture class=\"w-[110px] pb-10 rounded-[55px]\">\n                                <img decoding=\"async\" src=\"https:\/\/habacus.com\/app\/uploads\/2025\/10\/Iris-De-Stefano_foto-sito.webp\" alt=\"\" class=\"object-cover  rounded-[55px]\">\n                            <\/picture>\n                            <h3 class=\"font-montserrat text-dddblue font-bold text-2xl text-center pb-3\">Iris De Stefano<\/h3>\n                            <span class=\"flex items-center justify-center h-8 bg-extralightblue text-dddblue text-xs font-montserrat font-semibold px-4 rounded-sm rounded-tr-mmd rounded-bl-mmd mb-6 uppercase\">Channels development and products strategy<\/span>\n                            <p class=\"font-monsterat text-dddblue text-sm font-medium text-center\">\n                                                                Graduated in International Relations from LUISS University in Rome and in International Bu&#8230;\n                            <\/p>\n                        <\/div>\n                    <\/div>\n                \n            <\/div>\n        <\/div>\n        <a href=\"https:\/\/habacus.com\/en\/about\/team\/\" class=\"flex lg:hidden min-h-12 min-w-44 font-montserrat text-white font-semibold bg-dddblue rounded-tl-sm rounded-br-sm rounded-tr-mmd rounded-bl-mmd p-1 text-base inline-flex items-center justify-center border border-newlightblue hover:border-dddblue transition-all duration-300 ease-in-out space-x-4 px-4\"><span class=\"\">Show more<\/span><i class=\"fa-solid fa-arrow-right text-white\"><\/i><\/a>\n    <\/div>\n<\/section>\n\n\n<section class=\"block-v2-faq bg-white flex justify-center pb-16 w-screen rounded-b-lg lg:rounded-b\">\n\n    <div class=\"flex flex-col justify-center items-center text-center lg:text-left lg:justify-between max-w-full pt-16 lg:pt-32 w-4\/5 \">\n        <div class=\"pb-10 lg:pb-10 w-full text-center\">\n            <h2 class=\"text-primary-blue-950\">\n                <span class=\"font-montserrat font-bold  text-[1.75rem] lg:text-40 \" style=\"\">Frequently Asked Questions<\/span>\n                <\/h2>\n        <\/div>\n        <div class=\"w-full pb-10\">\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            \n                \n                <div class=\"w-full flex p-1 bg-white rounded-mmd mb-6 lg:w-[450px] lg:mx-auto\">\n                                            <button id=\"54ba3f-faq-button-4\" onclick=\"onChangeFaq('54ba3f', 4)\" class=\"w-1\/2 py-2 font-montserrat font-semibold text-sm text-dddblue text-center rounded-md text-white bg-mediumblue\">Loans<\/button>\n                                            <button id=\"54ba3f-faq-button-3\" onclick=\"onChangeFaq('54ba3f', 3)\" class=\"w-1\/2 py-2 font-montserrat font-semibold text-sm text-dddblue text-center rounded-md \">Services<\/button>\n                                    <\/div>\n\n                \n                                    <div id=\"54ba3f-faq-content-4\" class=\"lg:w-4\/5 lg:mx-auto \">\n                                                    <div class=\"accordion pointer border rounded-mmd mb-3\">\n                                <h2>\n                                    <button type=\"button\" class=\"button-accordion text-base font-montserrat font-semibold bg-white flex items-center justify-between w-full p-6 text-primary-blue-950 lg:text-lg rounded-b-mmd rounded-t-mmd gap-3\" data-accordion-target=\"#accordion-open-body-1\" aria-expanded=\"true\" aria-controls=\"accordion-open-body-1\">\n                                        <span class=\"flex items-center text-20 text-left\">How can I compare student loans?<\/span>\n\n                                        <i class=\"fa-solid fa-plus text-primary-blue-950\"><\/i>\n                                        <i class=\"fa-solid fa-minus hidden lg:hidden text-primary-blue-950\"><\/i>\n                                    <\/button>\n                                <\/h2>\n                                <div id=\"\" class=\"accordion-content hidden w-full relative\" aria-labelledby=\"\">\n                                    <div class=\"p-5 lg:pt-0 bg-white rounded-b-mmd flex flex-col\">\n                                        <div class=\"font-inter text-base text-primary-blue-950 text-left\">\n                                            <p>To compare student loans, focus on the interest rate and maximum repayment period. Each loan requires signing a contract at a bank branch, so proximity to a local branch might influence your choice.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                            <\/div>\n                                    <div id=\"54ba3f-faq-content-3\" class=\"lg:w-4\/5 lg:mx-auto hidden\">\n                                                    <div class=\"accordion pointer border rounded-mmd mb-3\">\n                                <h2>\n                                    <button type=\"button\" class=\"button-accordion text-base font-montserrat font-semibold bg-white flex items-center justify-between w-full p-6 text-primary-blue-950 lg:text-lg rounded-b-mmd rounded-t-mmd gap-3\" data-accordion-target=\"#accordion-open-body-1\" aria-expanded=\"true\" aria-controls=\"accordion-open-body-1\">\n                                        <span class=\"flex items-center text-20 text-left\">Are there income requirements to apply for a student loan?<\/span>\n\n                                        <i class=\"fa-solid fa-plus text-primary-blue-950\"><\/i>\n                                        <i class=\"fa-solid fa-minus hidden lg:hidden text-primary-blue-950\"><\/i>\n                                    <\/button>\n                                <\/h2>\n                                <div id=\"\" class=\"accordion-content hidden w-full relative\" aria-labelledby=\"\">\n                                    <div class=\"p-5 lg:pt-0 bg-white rounded-b-mmd flex flex-col\">\n                                        <div class=\"font-inter text-base text-primary-blue-950 text-left\">\n                                            <p>No income requirements are needed to apply. Eligibility is mostly based on academic performance, although the final decision rests with the bank, which may conduct credit checks.<\/p>\n<p>&nbsp;<\/p>\n\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"accordion pointer border rounded-mmd mb-3\">\n                                <h2>\n                                    <button type=\"button\" class=\"button-accordion text-base font-montserrat font-semibold bg-white flex items-center justify-between w-full p-6 text-primary-blue-950 lg:text-lg rounded-b-mmd rounded-t-mmd gap-3\" data-accordion-target=\"#accordion-open-body-1\" aria-expanded=\"true\" aria-controls=\"accordion-open-body-1\">\n                                        <span class=\"flex items-center text-20 text-left\">What are the requirements to access a state-guaranteed student loan?<\/span>\n\n                                        <i class=\"fa-solid fa-plus text-primary-blue-950\"><\/i>\n                                        <i class=\"fa-solid fa-minus hidden lg:hidden text-primary-blue-950\"><\/i>\n                                    <\/button>\n                                <\/h2>\n                                <div id=\"\" class=\"accordion-content hidden w-full relative\" aria-labelledby=\"\">\n                                    <div class=\"p-5 lg:pt-0 bg-white rounded-b-mmd flex flex-col\">\n                                        <div class=\"font-inter text-base text-primary-blue-950 text-left\">\n                                            <p>To be eligible for a state-guaranteed student loan, students should meet these requirements:<\/p>\n<p>&#8211; Age between 18 and 40;<\/p>\n<p>&#8211; Regular enrollment at an education provider included in the partner network;<\/p>\n<p>&#8211; No outstanding financial obligations toward the education provider;<\/p>\n<p>&#8211; Not being behind schedule with the program (i.e. within the standard duration of studies);<\/p>\n<p>&#8211; Completion of the previous level of education with a minimum grade:<\/p>\n<p>&#8211; High school diploma \u2265 75\/100 (to finance a bachelor\u2019s degree, a single-cycle master\u2019s degree, or an ITS program), or<\/p>\n<p>&#8211; Qualifying bachelor\u2019s degree \u2265 100\/110 (to finance a master\u2019s degree, a first- or second-level master\u2019s program, or a specialization school).<\/p>\n<p>In addition to the requirements listed above, banks may request further conditions (e.g. residency in Italy) as essential criteria for granting financing.<\/p>\n\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"accordion pointer border rounded-mmd mb-3\">\n                                <h2>\n                                    <button type=\"button\" class=\"button-accordion text-base font-montserrat font-semibold bg-white flex items-center justify-between w-full p-6 text-primary-blue-950 lg:text-lg rounded-b-mmd rounded-t-mmd gap-3\" data-accordion-target=\"#accordion-open-body-1\" aria-expanded=\"true\" aria-controls=\"accordion-open-body-1\">\n                                        <span class=\"flex items-center text-20 text-left\">Can student loans be combined with scholarships?<\/span>\n\n                                        <i class=\"fa-solid fa-plus text-primary-blue-950\"><\/i>\n                                        <i class=\"fa-solid fa-minus hidden lg:hidden text-primary-blue-950\"><\/i>\n                                    <\/button>\n                                <\/h2>\n                                <div id=\"\" class=\"accordion-content hidden w-full relative\" aria-labelledby=\"\">\n                                    <div class=\"p-5 lg:pt-0 bg-white rounded-b-mmd flex flex-col\">\n                                        <div class=\"font-inter text-base text-primary-blue-950 text-left\">\n                                            <p>Yes, obtaining or applying for a scholarship does not prevent you from applying for a student loan.<\/p>\n<p>&nbsp;<\/p>\n\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"accordion pointer border rounded-mmd mb-3\">\n                                <h2>\n                                    <button type=\"button\" class=\"button-accordion text-base font-montserrat font-semibold bg-white flex items-center justify-between w-full p-6 text-primary-blue-950 lg:text-lg rounded-b-mmd rounded-t-mmd gap-3\" data-accordion-target=\"#accordion-open-body-1\" aria-expanded=\"true\" aria-controls=\"accordion-open-body-1\">\n                                        <span class=\"flex items-center text-20 text-left\">What is the maximum amount I can request with a student loan?<\/span>\n\n                                        <i class=\"fa-solid fa-plus text-primary-blue-950\"><\/i>\n                                        <i class=\"fa-solid fa-minus hidden lg:hidden text-primary-blue-950\"><\/i>\n                                    <\/button>\n                                <\/h2>\n                                <div id=\"\" class=\"accordion-content hidden w-full relative\" aria-labelledby=\"\">\n                                    <div class=\"p-5 lg:pt-0 bg-white rounded-b-mmd flex flex-col\">\n                                        <div class=\"font-inter text-base text-primary-blue-950 text-left\">\n                                            <p>It depends on the product. State-guaranteed student loans provide up to \u20ac15,000 for each remaining year of study, including the current academic year, up to a maximum of \u20ac50,000.<\/p>\n\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"accordion pointer border rounded-mmd mb-3\">\n                                <h2>\n                                    <button type=\"button\" class=\"button-accordion text-base font-montserrat font-semibold bg-white flex items-center justify-between w-full p-6 text-primary-blue-950 lg:text-lg rounded-b-mmd rounded-t-mmd gap-3\" data-accordion-target=\"#accordion-open-body-1\" aria-expanded=\"true\" aria-controls=\"accordion-open-body-1\">\n                                        <span class=\"flex items-center text-20 text-left\">What happens after the loan is approved?<\/span>\n\n                                        <i class=\"fa-solid fa-plus text-primary-blue-950\"><\/i>\n                                        <i class=\"fa-solid fa-minus hidden lg:hidden text-primary-blue-950\"><\/i>\n                                    <\/button>\n                                <\/h2>\n                                <div id=\"\" class=\"accordion-content hidden w-full relative\" aria-labelledby=\"\">\n                                    <div class=\"p-5 lg:pt-0 bg-white rounded-b-mmd flex flex-col\">\n                                        <div class=\"font-inter text-base text-primary-blue-950 text-left\">\n                                            <p>If the loan is a lump sum, the full amount is disbursed at once. If in installments, disbursements are scheduled and conditioned on academic progress, verified by Habacus.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"accordion pointer border rounded-mmd mb-3\">\n                                <h2>\n                                    <button type=\"button\" class=\"button-accordion text-base font-montserrat font-semibold bg-white flex items-center justify-between w-full p-6 text-primary-blue-950 lg:text-lg rounded-b-mmd rounded-t-mmd gap-3\" data-accordion-target=\"#accordion-open-body-1\" aria-expanded=\"true\" aria-controls=\"accordion-open-body-1\">\n                                        <span class=\"flex items-center text-20 text-left\">How are student loan disbursements managed?<\/span>\n\n                                        <i class=\"fa-solid fa-plus text-primary-blue-950\"><\/i>\n                                        <i class=\"fa-solid fa-minus hidden lg:hidden text-primary-blue-950\"><\/i>\n                                    <\/button>\n                                <\/h2>\n                                <div id=\"\" class=\"accordion-content hidden w-full relative\" aria-labelledby=\"\">\n                                    <div class=\"p-5 lg:pt-0 bg-white rounded-b-mmd flex flex-col\">\n                                        <div class=\"font-inter text-base text-primary-blue-950 text-left\">\n                                            <p>If the loan provides for disbursement in installments (particularly for multi-year programs), before each new disbursement other than the first, checks are carried out to verify that the student still meets the required eligibility criteria.<br \/>\nDepending on the banking product chosen, one or more of the following conditions may be verified:<br \/>\n\u2022 Proper enrollment in the subsequent academic year, evidenced by payment of the enrollment fee;<br \/>\n\u2022 Regular attendance, where required;<br \/>\n\u2022 Achievement of a minimum number of CFUs (university credits) as required by the study plan (the threshold varies from bank to bank).<\/p>\n<p>If the requirements are no longer met, the disbursement of the subsequent installment may be denied. In some cases, this may result in the definitive termination of the financing.<\/p>\n<p>In the event of termination, the disbursement phase is considered concluded and the pre-amortization period begins, at the end of which repayment will start according to the terms and conditions agreed with the bank.<\/p>\n\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                            <\/div>\n                                    <\/div>\n    <\/div>\n<\/section>\n\n\n\n<section class=\"block-v2-card-wall relative panel home-hero bg-white flex items-center justify-center overflow-hidden p-8 lg:p-14\">\n\n    <div class=\"relative w-full max-w-container px-4 bg-white rounded-mmd lg:rounded-lg rounded-tr border border-v2-l-blue lg:rounded-tr-large text-center mx-auto flex flex-col gap-8 items-center justify-center py-12 lg:py-40 overflow-hidden\">\n                    <div class=\"absolute flex flex-wrap top-0 left-0 -translate-x-1\/4 -translate-y-1\/4 w-3\/5 lg:w-2\/5 overflow-hidden\">\n\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.1\" viewBox=\"0 0 976.3 976.2\" class=\"fill-primary-blue-700\/10 w-1\/2\">\n\t\t<path d=\"M380,0H0v380c0,329.3,266.9,596.2,596.2,596.2h380v-380C976.3,266.9,709.3,0,380,0h0Z\" \/>\n\t<\/svg>\n\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.1\" viewBox=\"0 0 976.3 976.2\" class=\"fill-primary-blue-700\/30 w-1\/2\">\n\t\t<path d=\"M380,0H0v380c0,329.3,266.9,596.2,596.2,596.2h380v-380C976.3,266.9,709.3,0,380,0h0Z\" \/>\n\t<\/svg>\n\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.1\" viewBox=\"0 0 976.3 976.2\" class=\"fill-primary-blue-700\/30 w-1\/2\">\n\t\t<path d=\"M380,0H0v380c0,329.3,266.9,596.2,596.2,596.2h380v-380C976.3,266.9,709.3,0,380,0h0Z\" \/>\n\t<\/svg>\n<\/div>\n\n<div class=\"absolute flex flex-wrap bottom-0 right-0 translate-y-1\/4 translate-x-1\/4 w-3\/5 lg:w-2\/5 overflow-hidden\">\n\t<span class=\"w-1\/2\"><\/span>\n\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.1\" viewBox=\"0 0 976.3 976.2\" class=\"fill-primary-blue-700\/10 w-1\/2\">\n\t\t<path d=\"M380,0H0v380c0,329.3,266.9,596.2,596.2,596.2h380v-380C976.3,266.9,709.3,0,380,0h0Z\" \/>\n\t<\/svg>\n\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.1\" viewBox=\"0 0 976.3 976.2\" class=\"fill-primary-blue-700\/10 w-1\/2\">\n\t\t<path d=\"M380,0H0v380c0,329.3,266.9,596.2,596.2,596.2h380v-380C976.3,266.9,709.3,0,380,0h0Z\" \/>\n\t<\/svg>\n\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.1\" viewBox=\"0 0 976.3 976.2\" class=\"fill-primary-blue-700\/30 w-1\/2\">\n\t\t<path d=\"M380,0H0v380c0,329.3,266.9,596.2,596.2,596.2h380v-380C976.3,266.9,709.3,0,380,0h0Z\" \/>\n\t<\/svg>\n<\/div>        \n        \n        <div class=\"w-4\/5 z-10 text-white flex flex-nowrap justify-center items-center\">\n            <div class=\"flex flex-col gap-2\">\n                <h2 class=\"leading-10 lg:leading-12 font-bold text-primary-blue-950\">\n                    <span class=\"font-montserrat font-bold  text-[1.75rem] lg:text-44 \" style=\"\">Keep us <\/span>\n                <span class=\"font-fraunces font-bold italic text-[2.125rem] lg:text-50 \" style=\"\">\n            in contact\n                                <\/span>\n                    <\/h2>\n                                    <p class=\"text-base text-primary-blue-950\"> Fill out the form below, and we will respond to your questions.<\/p>\n                            <\/div>\n        <\/div>\n        \n                    <a href=\"https:\/\/habacus.com\/en\/contacts\/\" id=\"\" class=\"btn btn-primary\" style=\"max-width: 300px; border: 1px solid #2043D5; border-radius: 0.375rem; padding: 25px; font-size: 16px; white-space: nowrap; \" >\n    <span class=\"\">Contact us<\/span>\n            <i class=\"fa-solid fa-arrow-right primary\"><\/i>\n    <\/a>\n        \n    <\/div>\n\n<\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1037","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>About us - Habacus<\/title>\n<meta name=\"description\" content=\"Habacus is a team of professionals supporting students and companies. 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