Student funds and loans for studies in Sweden

Pupil funds and loans are designed for pupils who will be their studies at e.g. University college, college or vocational university. You can also apply for student grants and loans for studies at compulsory and upper secondary level at Komvux (adult education college) or folk high school if you are over the age of 20.

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Student funds and loans for studies in Sweden

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The mortgage you need to pay back. You are able to decide to use entirely for the grant, should you not like to just just simply take down a loan. The mortgage has a reduced rate of interest and will not need any safety, and you’re in a position to repay it over a long period. In 2019, the attention price is 0.16 percent.

Size of funds and loans you are able to get

How big is the funds and student education loans you can receive depends e.g. On

  • Your rate of study ( part-time or full-time)
  • How many days you will be learning for
  • How big your revenue.
Funds and figuratively speaking, 2020 (examples for various variety of days)


2 715

10 860

54 300

Other grants and loans that you could submit an application for

Some students can get more grants or borrow more income.

  • You can apply for extra child allowance if you have custody of children under the age of 18.
  • When you yourself have worked into the past and received a specific minimal earnings, you are able to make an application for a supplementary loan. You are able to get this at the time of the 12 months you turn 25.
  • You may receive an increased grant element in your student See all amounts (Swedish if you are studying at compulsory or upper secondary level and satisfy certain conditions)

When your earnings surpasses the earnings restriction

You might get earnings as much as an amount that is certain your pupil funds and loans being impacted. The earnings limitation is determined per calendar half-year, January-June or July-December. If the earnings exceeds the earnings limitation, you aren’t eligible for the exact same degree of funds and loans.

The earnings limitation is dependent upon exactly just how several weeks you’re learning for and whether you’re learning full-time or part-time. The income limit is SEK 90 075 for example, if you are going to studying full-time with student grants and loans for 20 weeks in a calendar half-year. You can view your revenue restriction into the decision you receive from CSN.

Requirements and conditions

Different needs and conditions needs to be pleased to allow you to definitely be eligible to student help.

  • The training you shall be going to must give the entitlement to pupil finance.
  • You should be registered on the courses.
  • Your studies needs to be at the least 50 % of full-time and must endure for at the least three months.
  • You should be underneath the chronilogical age of 57. The entitlement to borrow decreases through the 12 months you turn 47.
  • May very well not get particular other advantages during the exact same time as getting pupil funds and loans, such as for example task help, sickness advantage and introduction benefit.
  • You are able to just get pupil funds and loans for the amount that is limited of. How long hinges on the training degree that you are learning:
    • University university, college or various other post-secondary training: an optimum of 240 months
    • Upper additional degree: an optimum of 80 or 120 months, according to your past training
    • Compulsory college degree: at the most 40, 80 or 100 months, dependent on your previous training and just what you may be studying.
  • You must have satisfied the requirements as regards credits in order to receive new student grants and loans if you have previously studied with student grants and loans or an education entry grant. Certain requirements regarding credits differ according to which course you might be learning.
  • When you have unpa If you will be a international resident, in addition, you have to satisfy unique conditions to be entitled to Swedish pupil If you are a foreign citizen, you also need to satisfy special conditions in order to be entitled to Swedish student finance if you have unpa. When you have a permanent residence permit and reside in Sweden, you’ll often be entitled to Swedish pupil finance.

    Because you have refugee status or similar, you are also usually entitled to Swedish student finance if you have received a temporary residence permit from the Swedish Migration Agency.

    In addition, various rules use according to whether you’re a resident of a nation within or away from EU/EEA or Switzerland.

    Application, study payment and assurance

    This is just what you will have to do:

    1. Ready your application. Find away your research times, Mina sidor (My Pages). Sign in with Mina sidor or in CSN’s application.
    2. Sign up for your courses. This can be done at your college.

    You are going to have the very first repayment for the semester at that time when you begin studying. You’ll then have the re payment in the 25th associated with the thirty days, ahead of time for every thirty days you might be learning. Should this be a weekend or even a general public getaway, you can expect to get the funds regarding the last weekday before this date.

    You can observe your instalments in Mina sidor. You will definitely ordinarily get pupil funds and loans for one month each right time you get a payment from CSN.

    F any such thing happens or changes through your amount of research, it is necessary so that you could offer notification associated with the modification to make sure you get the right amount. Modifications might include you e.g.

    • Interrupting your studies
    • Learning for less credits than you’d prepared
    • Offering a residential property and obtaining earnings over the free quantity.

    You also have to notify CSN in the event e.g. Of any changes to your residence permit, or in the event you or a person you are related to should stop working or have a reduction in working hours if you are a foreign citizen.

    You are able to submit change notification in Mina sidor or e mail us in a few other means. In you being paid more than you are entitled to, you will have to pay the additional funds back if you fail to report changes and this results. We shall look at the given information you’ve got supplied to CSN aided by the school’s information.

    In the event that you or your child becomes ill

    It’s also crucial to submit notification if you need to be at home to care for a sick child if you become ill or. In this case, you could keep your pupil grants and loans without these days being counted as having been utilized, and requirement regarding credits that are awarded additionally paid off. Report disease to the Social that is swedish Insurance ( Forsakringskassan ) and proper care of a kid to CSN.

    Repaying the learning education loan

    You will have to repay the loan if you choose to borrow money from CSN. You can expect to be given a re re re payment plan if it online payday loans in hawaii is time and energy to begin making repayments.

    Should this be the time that is first have actually applied for a education loan, you certainly will start repaying the mortgage during the earliest 6 months after getting the pupil help. You will not receive any such grace period if you have studied before and start studying again.

    The total amount you need to spend each depends e. G year. On

    • Exactly how much you have got lent
    • The amount of time you will be repaying your loan
    • The attention price.

    You are able to simply just simply take at the most 25 years to settle your loan, plus it must certanly be fully paid back because of the time you turn 60. You shall frequently pay only a little less in the beginning and much more by the end. Needless to say, you can easily repay the mortgage faster if you prefer.

    If you should be experiencing difficulty along with your repayments, as an example because your income decreases, you are able to use to pay for back less for a particular time frame. CSN will then evaluate the application and determine whether you’re eligible to spend less.

    Make every effort to be sure that CSN constantly has your correct target details. This might be a necessity.

    If a demand has been received by you

    That you were not entitled to, you have to pay it back if you have received money from CSN. In this full instance, you may get a need.

    Appealing against a choice by CSN

    If you were to think that CSN has already reached an wrong choice, you are able to attract against it. CSN should be in receipt of one’s appeal within three months through the date upon which you had been notified your choice.

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