{"id":1912,"date":"2025-09-04T15:59:00","date_gmt":"2025-09-04T13:59:00","guid":{"rendered":"https:\/\/habacus.com\/?p=1912"},"modified":"2025-06-24T17:36:01","modified_gmt":"2025-06-24T15:36:01","slug":"student-loans-eligible-universities-programs","status":"publish","type":"post","link":"https:\/\/habacus.com\/en\/student-loans-eligible-universities-programs\/","title":{"rendered":"Student loan: for which universities and educational programs is it available?"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<p>Student loans are increasingly popular tools for financing education. But for which universities and educational programs can you apply for them? Let&#8217;s find out in detail.<\/p>\n\n\n\n<p><strong>For which universities can you apply for a student loan?<\/strong><\/p>\n\n\n\n<p>To apply for a student loan, you must be enrolled in a study program. Generally, all Italian universities recognized by the MUR (Ministry of University and Research) meet the eligibility criteria.<\/p>\n\n\n\n<p>\ud83d\udc49\ud83c\udffc Want to know more about the requirements? Learn more about the access criteria <a href=\"https:\/\/habacus.com\/en\/student-loan-what-it-is-how-it-works-and-why-it-could-be-your-solution\/\">here<\/a>.<\/p>\n\n\n\n<p><strong>Which educational programs are included?<\/strong><\/p>\n\n\n\n<p>Student loans are not limited to traditional university courses. Here are some additional options:<\/p>\n\n\n\n<p><strong>AFAM (Higher Artistic and Musical Education):<\/strong>&nbsp;Includes academies of fine arts and conservatories.<\/p>\n\n\n\n<p><strong>SSML (Higher Schools for Language Mediators):<\/strong>&nbsp;Programs focused on linguistic and cultural training.<\/p>\n\n\n\n<p><strong>ITS (Higher Technical Institutes):<\/strong>&nbsp;Professional schools with strong connections to the business world.<\/p>\n\n\n\n<p>These post-secondary programs are included in financing opportunities.<\/p>\n\n\n\n<p><strong>Student loans for the Erasmus program<\/strong><\/p>\n\n\n\n<p>If you&#8217;re considering participating in the Erasmus program, you can apply for a student loan to cover extra expenses during your stay abroad. You just need to be enrolled in an Italian educational institution and prove your admission to the program. \u2708\ufe0f<\/p>\n\n\n\n<p><strong>How does student loan disbursement work?<\/strong><\/p>\n\n\n\n<p><strong>Academic commitment requirements<\/strong><\/p>\n\n\n\n<p>To obtain a student loan, enrollment alone is not enough. Banks may require additional proof of academic commitment. Some common requirements include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Minimum high school grade:<\/strong>&nbsp;Generally above 75\/100.<\/li>\n\n\n\n<li><strong>Earned credits (CFU):<\/strong>&nbsp;For students who have completed the first semester, some banks require achieving a minimum percentage of credits (e.g., 50% or 80% of the expected CFUs).<\/li>\n<\/ul>\n\n\n\n<p><strong>Disbursement methods<\/strong><\/p>\n\n\n\n<p>Loan disbursement is usually spread over multiple installments, distributed over time. The methods can vary depending on the course duration:<\/p>\n\n\n\n<p>\u270d\ud83c\udffc <strong>Multi-year courses (e.g., bachelor&#8217;s degrees):<\/strong>&nbsp;Semi-annual or annual installments, subject to verification of academic requirements.<\/p>\n\n\n\n<p>\u270d\ud83c\udffc <strong>One-year courses (e.g., master&#8217;s programs):<\/strong>&nbsp;The full amount may be disbursed in a single payment.<\/p>\n\n\n\n<p>This flexibility ensures that students receive the necessary funds according to the progress of their educational journey.<\/p>\n\n\n\n<p><em>Want to learn more about how to apply for a student loan or discover which banks offer the best conditions? Take our test below \ud83d\udc47\ud83c\udffc<\/em><\/p>\n\n\n\n<a href=\"https:\/\/comparatore.habacus.com\/it\/habacus\/2\/steps\/0?utmSource=website&#038;utmMedium=articolo2_en\"  \n\nclass=\"whitespace-nowrap min-h-12 min-w-36 lg:min-w-44 font-montserrat text-white font-semibold bg-mediumblue hover:bg-dddblue rounded-tl-sm rounded-br-sm rounded-tr-mmd rounded-bl-mmd p-1 text-xs lg:text-base flex items-center justify-center space-x-4 px-4 no-underline\" style=\"text-decoration-line:none\" \n\ntarget=\"_blank\"> \n\n                    <span class=\"text-white font-semibold\">Take the test<\/span> \n\n                    <i class=\"fa-solid fa-arrow-right text-white\" aria-hidden=\"true\"><\/i> \n\n                <\/a>\n","protected":false},"excerpt":{"rendered":"<p>Student loans are increasingly popular tools for financing education. But for which universities and educational programs can you apply for them? Let&#8217;s find out in detail. For which universities can you apply for a student loan? To apply for a student loan, you must be enrolled in a study program. Generally, all Italian universities recognized &hellip; <a href=\"https:\/\/habacus.com\/en\/student-loans-eligible-universities-programs\/\">Continued<\/a><\/p>\n","protected":false},"author":4,"featured_media":1942,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[15,17,57],"tags":[27],"class_list":["post-1912","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-blog-2","category-blog-en","tag-student-loan"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Student Loans: eligible universities and educational programs<\/title>\n<meta name=\"description\" content=\"Find out which programs qualify for student loans\u2014AFAM, SSML, ITS, Erasmus\u2014and get the info you need to finance your education.\" \/>\n<meta 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