{"id":1046,"date":"2024-10-18T09:25:08","date_gmt":"2024-10-18T07:25:08","guid":{"rendered":"https:\/\/habacus.com\/?page_id=1046"},"modified":"2025-09-23T12:09:25","modified_gmt":"2025-09-23T10:09:25","slug":"faq","status":"publish","type":"page","link":"https:\/\/habacus.com\/en\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"<section class=\"block-013-faq bg-dwhite\">\n\n    <div class=\"w-11\/12 lg:w-4\/5 mx-auto pt-32 lg:mt-0 flex items-center px-8 justify-between border-b border-b-primary-blue-950\">\n        <form id=\"formFAQ\" class=\"relative flex w-full justify-between\" action=\"#\">\n            <label class=\"grow\">\n                <span class=\"sr-only\">\n                    Search\n                <\/span>\n\n                <input type=\"search-faq\" placeholder=\"Search\" value=\"\" name=\"faqSearch\" class=\"w-full p-2 font-semibold font-montserrat text-3xl text-primary-blu-950 focus:outline-none focus:ring-0\">\n            <\/label>\n\n            <button><i class=\"fa-solid fa-magnifying-glass text-primary-blue-700 text-xl px-2\" aria-hidden=\"true\"><\/i><\/button>\n            <span class=\"absolute -bottom-7 -right-8 text-sm text-primary-blu-950 font-montserrat\">Press enter to search<\/span>\n\n        <\/form>\n    <\/div>\n\n    <div class=\"bg-v2-l-blue rounded-t-lg p-4 lg:px-0 pb-32 mt-24\">\n\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=\"7a5b28-faq-button-1\" onclick=\"onChangeFaq('7a5b28', 1)\" class=\"w-1\/2 py-2 font-montserrat font-semibold text-sm text-dddblue text-center rounded-md text-white bg-mediumblue\">Habacus<\/button>\n                            <button id=\"7a5b28-faq-button-4\" onclick=\"onChangeFaq('7a5b28', 4)\" class=\"w-1\/2 py-2 font-montserrat font-semibold text-sm text-dddblue text-center rounded-md \">Loans<\/button>\n                            <button id=\"7a5b28-faq-button-3\" onclick=\"onChangeFaq('7a5b28', 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=\"7a5b28-faq-content-1\" 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\">What does Habacus do?<\/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>Habacus was<strong> founded to assess the academic performance<\/strong> of students seeking student loans.<\/p>\n<p>&nbsp;<\/p>\n<p>Our role is to <strong>facilitate the relationship between students and financial institutions,<\/strong> helping the former understand the financing options available on the market and the latter assess students\u2019 eligibility for loans.<\/p>\n<p>In addition, Habacus provides guidance services for post-secondary education and financial education services to help students better understand opportunities related to the right to education and to make more informed decisions about their future.<\/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\">Does Habacus provide 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                                    <table width=\"776\">\n<tbody>\n<tr>\n<td width=\"776\">Habacus does not provide financing directly; instead, we connect students, post-secondary education providers, and financial institutions. What we do:<\/p>\n<p><strong>&#8211; Support:<\/strong> We help students learn about student financing options available in Italy, supporting them in understanding how these work.<\/p>\n<p><strong>&#8211; Verification:<\/strong> We collect and analyze students\u2019 academic data to determine their eligibility for student loans.<\/p>\n<p><strong>&#8211; Facilitation:<\/strong> We work closely with banks, integrating our services into their loan approval processes.<\/p>\n<p><strong>&#8211; Ongoing verification:<\/strong> We ensure that students continue to meet the requirements set by banks before each loan tranche is disbursed.<\/p>\n<p>Important note: Students do not sign contracts directly with Habacus. To access student loans, they must still interact directly with the banks.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\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\">I need assistance, who can I contact?<\/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>Contact Habacus<\/p>\n<p>If you need assistance, you can contact Habacus via:<\/p>\n<p><strong>Habacus email:<\/strong> info@habacus.com<\/p>\n<p><strong>Habacus WhatsApp:<\/strong> +39 348 820 6605<\/p>\n<p>Habacus customer service is available Monday through Friday from 9:00 AM to 6:00 PM via WhatsApp chat.<\/p>\n\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                            <\/div>\n                    <div id=\"7a5b28-faq-content-4\" 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\">How can I find out which loans I\u2019m eligible for?<\/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 understand which loans you might qualify for, you can use our 3-step pre-screening tool: access the test on the Habacus website, answer basic questions about yourself and your academic path, and receive a list of possible loan options tailored to your profile.<\/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\">Which courses can be funded?<\/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>The range of eligible courses and institutions that can be financed may vary depending on the product. Generally, all courses recognized by the MUR as tertiary education pathways are eligible for funding. These therefore include bachelor\u2019s degrees, master\u2019s degrees, single-cycle degree programs, first- and second-level university master\u2019s programs, specialization schools, and doctoral programs offered by Universities, AFAM institutions (Higher Education in Art, Music and Dance), and SSMLs (Higher Schools for Linguistic Mediators), as well as tertiary and professional training courses offered by ITSs (Higher Technical Institutes). Language courses with a duration of no less than six months, recognized by a \u201cCertifying Body,\u201d are also eligible for funding.<\/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 does the Habacus test work, and is registration required?<\/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                                    <div class=\"flex-shrink-0 flex flex-col relative items-end\">\n<div class=\"pt-0\">\n<div class=\"gizmo-bot-avatar flex h-8 w-8 items-center justify-center overflow-hidden rounded-full\">\n<div class=\"relative p-1 rounded-sm flex items-center justify-center bg-token-main-surface-primary text-token-text-primary h-8 w-8\">To see which loans you may access, you\u2019ll need to enter personal data (name, tax code, phone number), but registration with username and password is not required. The tool is free and non-binding.<\/div>\n<\/div>\n<\/div>\n<\/div>\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 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=\"7a5b28-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\">What is the government guarantee &#8216;Fondo per il Credito ai Giovani&#8217;?<\/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>The &#8216;Youth Credit Fund&#8217; is a government guarantee managed by Consap to support banks in providing student loans. It protects the bank and makes credit access easier for eligible individuals.<\/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\">What is 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>Yes, obtaining or applying for a scholarship does not prevent you from applying for a student loan.<\/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\">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 expenses can be covered 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>Student loans can cover more than tuition: they can also be used for rent, books, devices like laptops or tablets, and transportation costs.<\/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\">Is a parent&#8217;s signature required?<\/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. Student loans are personal and generally do not require a parent&#8217;s signature.<\/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\">Is a university admission letter enough to get 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. You must be formally enrolled through the payment of the enrollment fee.<\/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\">Why must I already be enrolled 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>Unlike traditional loans, student loans don\u2019t require job contracts or guarantors, but enrollment in a recognized institution is mandatory, along with basic requirements like age and possibly a minimum grade.<\/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\">Can I apply for a loan even if I haven\u2019t chosen a university yet?<\/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>You need to be enrolled in a post-secondary institution to apply. Our tool shows which institutions are eligible.<\/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\">My diploma grade is low: can I still apply for a 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>Loans with a state guarantee require a minimum diploma score (\u2265 75\/100) or degree score (\u2265 100\/110). Some banks offer loans without state guarantees, using more flexible criteria.<\/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\">Is the loan valid if I participate in Erasmus?<\/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. The loan can be used to cover study-abroad programs like Erasmus, as long as your enrollment at a recognized institution remains valid.<\/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\">Who sets the repayment period, can it be negotiated with the bank?<\/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, the repayment duration is agreed between the student and the bank based on personal needs and the selected product&#8217;s terms.<\/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\">Are there differences between public and private universities?<\/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, there are no differences as long as the university is within the eligible scope. Use our tool to check eligibility.<\/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\">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\">Does the loan cover only tuition or also rent and living expenses?<\/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>Student loans can be used for all education-related expenses, including living costs, rent, deposits, and materials. They are not restricted to tuition.<\/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\">If I move to another city to study, can I request more money?<\/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>You may request up to \u20ac15,000 for each remaining year of study (up to a maximum of \u20ac50,000), including the current academic year, regardless of whether you are a local or out-of-town student<\/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 I use the loan to buy a computer, tablet, or technical equipment?<\/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. Since it&#8217;s a personal loan, you can use it to buy tools or equipment like a computer or tablet needed for your studies.<\/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\">Is the interest rate on student loans fixed or variable?<\/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>The interest rate is fixed and disclosed at the time of contract signing, giving you clarity on installment amounts and total interest.<\/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 do I fill out a student loan application?<\/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>Each bank has its own process. The Habacus site tool helps guide you through options and identify whom to contact.<\/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\">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 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 if I can\u2019t find a job right after graduation?<\/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>The pre-amortization period, lasting at least 30 months, is specifically intended to help ease the transition from education to employment. Repayment may also be temporarily supported by the family.<\/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\">When is the money disbursed after the loan request?<\/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>After the application is submitted, the bank reviews the documentation and, in the case of a student loan backed by a State guarantee, waits for confirmation on the availability of guarantee funds. Once these checks are completed, and following an assessment of your creditworthiness, the loan is disbursed. A visit to a branch is required to sign the contract.<\/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\">If the loan is in installments, can I know the dates in advance?<\/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, banks can give a general timeline for annual checks, which depend on when the loan was initiated.<\/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\">If I fail an exam or delay my studies, do I risk losing the installment?<\/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. If you fail to meet requirements (e.g., insufficient credits, inactive enrollment), the bank may withhold the installment and terminate the loan.<\/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\">Are the checks for receiving loan installments automatic or must I submit documentation?<\/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 continue receiving loan installments, you must submit official documentation (exam records, credit achievements, paid enrollment fees) from your institution.<\/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\">When does the repayment of the student loan begin?<\/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>Repayment starts after the grace period, which follows the final disbursement. During this period, you may only pay interest.<\/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\">What happens if I change universities while having 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>Student loans are tied to your specific academic program. If you drop out, the disbursement ends and the grace period before repayment begins.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                            <\/div>\n            <\/div>\n<\/section>\n\n\n\n<section class=\"relative panel home-hero bg-lightblue flex items-center justify-center overflow-hidden rounded-b-lg lg:rounded-b p-8 lg:p-14\">\n\n    <div class=\"relative w-full bg-white rounded-mmd lg:rounded-lg rounded-tr lg:rounded-tr-large text-center mx-auto flex flex-col items-center justify-center py-12 lg:py-24 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        <picture class=\"pb-10 z-10 flex justify-center lg:justify-start\">\n            <img decoding=\"async\" class=\"h-16 lg:h-20\" loading=\"lazy\" alt=\"\" width=\"\" height=\"\" src=\"\">\n        <\/picture>\n\n        <div class=\"w-4\/5 lg:w-2\/5 z-10 text-white flex flex-nowrap justify-center items-center mb-2\">\n            <div class=\"flex flex-col gap-1 pb-10\">\n                <h2 class=\"text-4xl lg:text-7xl leading-12 lg:leading-18 font-bold text-dddblue pb-8\">\n                                                                        <span class=\"font-montserrat text-32 lg:text-64 \">Let&#8217;s get in<\/span>\n                                                                                                <span class=\"font-montserrat text-32 lg:text-64 \">touch<\/span>\n                                                            <\/h2>\n                <p class=\"font-montserrat text-base lg:text-xl font-medium text-dddblue\">Fill out the form below<\/p>\n            <\/div>\n        <\/div>\n\n        <a href=\"https:\/\/habacus.com\/en\/contact-us\/\" class=\"min-h-12 min-w-44 z-10 font-montserrat text-white font-semibold bg-mediumblue hover:bg-dddblue transition-all duration-300 ease-in-out rounded-tl-sm rounded-br-sm rounded-tr-mmd rounded-bl-mmd p-1 text-base inline-flex items-center justify-center space-x-4 px-4\"><span class=\"\">Contacts<\/span><i class=\"fa-solid fa-arrow-right text-white\"><\/i><\/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-1046","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>FAQ - Habacus<\/title>\n<meta name=\"description\" content=\"How can we help you? 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