{"id":1923,"date":"2026-02-22T18:54:12","date_gmt":"2026-02-22T17:54:12","guid":{"rendered":"https:\/\/habacus.com\/?p=1923"},"modified":"2026-02-22T19:24:15","modified_gmt":"2026-02-22T18:24:15","slug":"fondo-per-lo-studio-guide-application-student-loan-italy","status":"publish","type":"post","link":"https:\/\/habacus.com\/en\/fondo-per-lo-studio-guide-application-student-loan-italy\/","title":{"rendered":"Fondo per lo Studio: how it works and how to apply for a loan"},"content":{"rendered":"\n

The “Fondo per lo Studio”, also know as study fund, is a tool that allows young people to obtain a student loan \ud83d\ude80<\/p>\n\n\n\n

Student loans are designed specifically for students, featuring benefits such as no parental guarantees required and the possibility to repay the loan more than a year after completing studies.<\/p>\n\n\n\n

Loan disbursement: <\/h2>\n\n\n\n

With the study fund, you can receive from 3,000\u20ac up to \u20ac15,000 for each remaining year of study<\/strong>, with a maximum limit of \u20ac50,000 for students enrolled in a course in Italy and \u20ac70,000 for those studying abroad.<\/p>\n\n\n\n

You can apply regardless of your academic performance.<\/p>\n\n\n\n

To access the student loan, you only need to be up to date with tuition fee payments and certify the grade obtained in your last completed degree \ud83d\ude80<\/p>\n\n\n\n

Repayment<\/h2>\n\n\n\n

Those who receive the loan must repay it within a period of 3 to 15 years. Repayment begins no earlier than the 30th month after the last installment of the loan. What does this mean? At the end of your studies, before the repayment phase starts, you have a mandatory 30-month period during which you will only pay the interest portion of the loan.<\/p>\n\n\n\n

This program represents a significant opportunity for young people who want to invest in their education, overcome financial obstacles, and build a solid professional future.<\/p>\n\n\n\n

Not sure where to start? Take our test and chat with us, we’ll guide you in shaping your future! \ud83d\udc47\ud83c\udffc<\/p>\n\n\n\n \n\n Take the test<\/span> \n\n <\/i> \n\n <\/a>\n\n\n\n

Learn more<\/h2>\n\n\n\n

Want to learn more about student loans? Read our article here<\/a>.<\/em><\/p>\n\n\n\n

Consap manages the fund and ensures compliance with the requirements for accessing the youth study fund.<\/p>\n\n\n\n

Lenders commit not to request additional guarantees beyond those provided by the state.<\/p>\n\n\n\n

Application<\/h2>\n\n\n\n

To apply for the study fund, you must be enrolled in one of the following programs:<\/strong><\/p>\n\n\n\n

A three-year bachelor\u2019s degree <\/strong>or a 5th year master\u2019s degree program<\/strong>, having obtained a high school diploma with a score of at least 75\/100;<\/p>\n\n\n\n

A Master\u2019s degree program<\/strong>, provided the applicant holds a Bachelor\u2019s degree with a final grade of at least 100\/110;<\/p>\n\n\n\n

A first- or second-level university Master\u2019s program<\/strong>, provided the applicant holds a university degree (either Bachelor\u2019s or Specialist\/Master\u2019s degree) with a final grade of at least 100\/110;<\/p>\n\n\n\n

A postgraduate specialization<\/strong> course following a single-cycle Master\u2019s degree, with a final grade of at least 100\/110;<\/p>\n\n\n\n

A PhD program<\/strong>, provided the applicant holds a Specialist\/Master\u2019s degree with a final grade of at least 100\/110;<\/p>\n\n\n\n

A language course lasting no less than 6 months, recognized by a Certification Body;<\/p>\n\n\n\n

An ITS<\/strong> (Higher Technical Institute) program, provided the applicant holds a high school diploma with a final grade of at least 75\/100.<\/p>\n\n\n\n

To access the study fund, you must:<\/p>\n\n\n\n