{"id":4897,"date":"2026-02-22T19:15:04","date_gmt":"2026-02-22T18:15:04","guid":{"rendered":"https:\/\/habacus.com\/?p=4897"},"modified":"2026-02-22T19:18:41","modified_gmt":"2026-02-22T18:18:41","slug":"howto-fondo-per-lo-studio-habacus","status":"publish","type":"post","link":"https:\/\/habacus.com\/en\/howto-fondo-per-lo-studio-habacus\/","title":{"rendered":"How to pay for university with the &#8220;Fondo per lo Studio&#8221;"},"content":{"rendered":"\n<p>Have you heard about the Fondo per lo Studio and want to learn more? <strong>What is the <\/strong>Fondo per lo Studio? <strong>How can you access<\/strong> the Fondo per lo Studio? Then read on.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"499\" height=\"365\" src=\"https:\/\/habacus.com\/app\/uploads\/2025\/08\/giphy-1.gif\" alt=\"\" class=\"wp-image-4892\"\/><\/figure>\n\n\n\n<p><strong>The Fondo per lo Studio is not a scholarship, but a subsidized student loan: a tool designed to let you study today and repay tomorrow in affordable installments, once you have completed your academic path.<\/strong><\/p>\n\n\n\n<p>It is a government-backed loan managed by Consap, covering up to 70% of the risk for participating banks. Thanks to this public guarantee, you can obtain a loan even without income, payslips, or family guarantors, with more favorable conditions compared to a traditional personal loan.<\/p>\n\n\n\n<p>It is intended for deserving students <strong>between 18 and 40 years <\/strong>old who wish to cover expenses for study, housing, or <strong>training in Italy and abroad.<\/strong><\/p>\n\n\n\n<p>With Habacus, <strong>checking the requirements and receiving support<\/strong> is even easier: a fast, transparent, and fully digital process.<\/p>\n\n\n\n<a href=\"https:\/\/comparatore.habacus.com\/it\/habacus\/2\/steps\/0?utmSource=website&#038;utmMedium=fondoperlostudio_it\"  \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\">Start with Habacus<\/span> \n\n                    <i class=\"fa-solid fa-arrow-right text-white\" aria-hidden=\"true\"><\/i> \n\n                <\/a>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"960\" height=\"400\" src=\"https:\/\/habacus.com\/app\/uploads\/2025\/08\/fondo-per-lo-studio-habacus-garanzia-stato.png\" alt=\"Il Fondo per lo Studio Habacus \u00e8 un prestito studentesco agevolato: studi oggi e rimborsi domani, senza busta paga n\u00e9 garanti familiari.\" class=\"wp-image-4903\" style=\"width:800px\" srcset=\"https:\/\/habacus.com\/app\/uploads\/2025\/08\/fondo-per-lo-studio-habacus-garanzia-stato.png 960w, https:\/\/habacus.com\/app\/uploads\/2025\/08\/fondo-per-lo-studio-habacus-garanzia-stato-300x125.png 300w, https:\/\/habacus.com\/app\/uploads\/2025\/08\/fondo-per-lo-studio-habacus-garanzia-stato-768x320.png 768w\" sizes=\"auto, (max-width: 960px) 100vw, 960px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Who can access the Fondo per lo Studio<\/strong><\/h2>\n\n\n\n<p>To apply for the loan, you need to meet a few key requirements:<\/p>\n\n\n\n<p><strong>Age<\/strong> \u2192 applicants must be between <strong>18 and 40 years<\/strong> old and <strong>reside in Italy.<\/strong><br><strong>Merit<\/strong> \u2192 academic merit must be demonstrated only through the most recent qualification obtained:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>High school diploma grade <strong>\u2265 75\/100<\/strong><\/li>\n\n\n\n<li>University degree grade <strong>\u2265 100\/110<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Individual exam grades are not required.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>For which courses of study is it possible to apply for a student loan?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bachelor&#8217;s and Master&#8217;s degree programs<\/li>\n\n\n\n<li>First and second level Master&#8217;s degrees<\/li>\n\n\n\n<li>Specialization courses<\/li>\n\n\n\n<li>PhD programs<\/li>\n\n\n\n<li>ITS (Higher Technical Institutes) courses<\/li>\n\n\n\n<li>Recognized language courses<\/li>\n<\/ul>\n\n\n\n<a href=\"https:\/\/comparatore.habacus.com\/it\/habacus\/2\/steps\/0?utmSource=website&#038;utmMedium=fondoperlostudio_it\"  \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\">Check if your course is included<\/span> \n\n                    <i class=\"fa-solid fa-arrow-right text-white\" aria-hidden=\"true\"><\/i> \n\n                <\/a>\n\n\n\n<p style=\"padding-right:0;padding-left:0\"><br>We can help you quickly check whether your course of study is eligible for funding.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How financing works<\/strong><\/h2>\n\n\n\n<p>The process for accessing the <em>Fondo per lo Studio<\/em> consists of a few simple steps:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Check the requirements:<\/strong> verify that you meet the criteria for age, merit, and type of studies.<\/li>\n\n\n\n<li><strong>Consult the lending banks:<\/strong> only affiliated institutions can grant guaranteed loans.<\/li>\n\n\n\n<li><strong>Apply for the loan<\/strong>: submit your application online or at the bank, attaching the required documents.<\/li>\n\n\n\n<li><strong>Receive the money: <\/strong>the amount is paid out in annual installments if the course lasts more than one year.<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"960\" height=\"400\" src=\"https:\/\/habacus.com\/app\/uploads\/2025\/08\/fondo-per-lo-studio-habacus_start-here.png\" alt=\"Il Fondo per lo Studio Habacus \u00e8 un prestito studentesco agevolato: studi oggi e rimborsi domani, senza busta paga n\u00e9 garanti familiari.\" class=\"wp-image-4905\" style=\"width:800px\" srcset=\"https:\/\/habacus.com\/app\/uploads\/2025\/08\/fondo-per-lo-studio-habacus_start-here.png 960w, https:\/\/habacus.com\/app\/uploads\/2025\/08\/fondo-per-lo-studio-habacus_start-here-300x125.png 300w, https:\/\/habacus.com\/app\/uploads\/2025\/08\/fondo-per-lo-studio-habacus_start-here-768x320.png 768w\" sizes=\"auto, (max-width: 960px) 100vw, 960px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong>With Habacus, you can:<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Quickly check online if you meet the requirements<\/li>\n\n\n\n<li>Compare participating banks<\/li>\n\n\n\n<li>Receive direct support from our operators<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The benefits of the Fondo per lo Studio<\/strong><\/h2>\n\n\n\n<p>Compared to a standard personal loan, a government-backed student loan offers significant benefits:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No pay slip or guarantor required<\/li>\n\n\n\n<li>Deferred repayment: up to 30 months after the last installment received<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"960\" height=\"400\" src=\"https:\/\/habacus.com\/app\/uploads\/2025\/08\/fondo-per-lo-studio-habacus-step.png\" alt=\"Il Fondo per lo Studio Habacus \u00e8 un prestito studentesco agevolato: studi oggi e rimborsi domani, senza busta paga n\u00e9 garanti familiari.\" class=\"wp-image-4907\" style=\"width:800px\" srcset=\"https:\/\/habacus.com\/app\/uploads\/2025\/08\/fondo-per-lo-studio-habacus-step.png 960w, https:\/\/habacus.com\/app\/uploads\/2025\/08\/fondo-per-lo-studio-habacus-step-300x125.png 300w, https:\/\/habacus.com\/app\/uploads\/2025\/08\/fondo-per-lo-studio-habacus-step-768x320.png 768w\" sizes=\"auto, (max-width: 960px) 100vw, 960px\" \/><\/figure>\n\n\n\n<p>The Fondo per lo Studio is a concrete solution for financing your education, even without personal income guarantees. Thanks to the state guarantee, the absence of pay slip requirements, and a flexible, deferred repayment plan, it represents an accessible and sustainable investment for those who want to build their academic and professional future.<\/p>\n\n\n\n<a href=\"https:\/\/comparatore.habacus.com\/it\/habacus\/2\/steps\/0?utmSource=website&#038;utmMedium=fondoperlostudio_it\"  \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\">Find out if you can access with Habacus<\/span> \n\n                    <i class=\"fa-solid fa-arrow-right text-white\" aria-hidden=\"true\"><\/i> \n\n                <\/a>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How much can you apply for with the <em>Fondo per lo Studio<\/em><\/strong><\/h2>\n\n\n\n<p>With the Fondo per lo Studio, you can request a bank loan ranging from a minimum of \u20ac3,000 to a maximum of \u20ac15,000 for each remaining year of study, up to a<strong> total cap of \u20ac50,000 for students enrolled in Italy, and 70,000\u20ac for students enrolled in a post\u2013high school program abroad. <\/strong>For more information <a href=\"https:\/\/habacus.com\/en\/fondo-per-lo-studio-new-decree\/\">read our article<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Have you heard about the Fondo per lo Studio and want to learn more? What is the Fondo per lo Studio? How can you access the Fondo per lo Studio? Then read on. The Fondo per lo Studio is not a scholarship, but a subsidized student loan: a tool designed to let you study today &hellip; <a href=\"https:\/\/habacus.com\/en\/howto-fondo-per-lo-studio-habacus\/\">Continued<\/a><\/p>\n","protected":false},"author":7,"featured_media":4902,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[57],"tags":[27],"class_list":["post-4897","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","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>How to pay for university with the &quot;Fondo per lo Studio&quot; - Habacus<\/title>\n<meta name=\"description\" content=\"Discover how to pay for university with the Fondo per lo Studio, the italian student loan with flexible repayment and no guarantors needed.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/habacus.com\/en\/howto-fondo-per-lo-studio-habacus\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to pay for university with the &quot;Fondo per lo Studio&quot; - 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