Pupil funds and loans are designed for pupils that are their studies at e.g. College university, college or college that is vocational. 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.
Table of articles
Pupil funds and loans for studies in Sweden
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The loan you need to repay. You are able to decide to use entirely for the grant, should you not like to simply just take a loan out. The mortgage has the lowest interest and will not need any safety, and you’re in a position to repay it over a any period of time. In 2019, the attention price is 0.16 %.
Measurements of funds and loans it is possible to get
How big is the funds and student education loans you can e. G receive depends. On
Your price of research (full-time or part-time)
The amount of days you might be learning for
How big is your earnings.
Funds and student education loans, 2020 (examples for various variety of days)
Other funds and loans that one can make an application for
Some pupils can receive more grants or borrow additional money.
For those who have custody of kids beneath the chronilogical age of 18, you are able to submit an application for additional youngster allowance.
When you have worked in past times and received a specific minimal earnings, you are able to make an application for a additional loan. It is possible to get this as of the you turn 25 year.
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)
In case the earnings surpasses the earnings limitation
You might receive earnings as much as an amount that is certain your pupil funds and loans being impacted. The earnings restriction is determined per calendar half-year, January-June or July-December. In case your earnings surpasses the earnings limitation, you’re not eligible to the level that is same of and loans.
The income restriction hinges on exactly exactly how many 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 within the choice you receive from CSN.
The training you will be going to must give the entitlement to pupil finance.
You should be registered on your own courses.
Your studies should be at least 50 % of full-time and must continue for at the very least three months.
You should be underneath the chronilogical age of 57. The entitlement to borrow decreases through the year you turn 47.
May very well not get specific other advantages during the time that is same getting pupil funds and loans, such as for instance task help, sickness advantage and introduction advantage.
It is possible to just get pupil funds and loans for a amount that is limited of. How long depends upon the training degree that you are learning:
University college, college or other post-secondary training: an optimum of 240 days
Upper level that is secondary an optimum of 80 or 120 months, based on your previous education
Compulsory college degree: no more than 40, 80 or 100 months, according to your past training and exactly what you’re learning.
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 dependent on which program you might be learning.
For those who have unpa If you’re a international resident, you also have to satisfy special conditions to become 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. You will usually be entitled to Swedish student finance if you have a permanent residence permit and live in Sweden.
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 dependent on whether you’re a resident of the nation within or away from EU/EEA or Switzerland.
Application, research assurance and repayment
It’s this that you will should do:
Ready your application. Find your study times out, Mina sidor (My Pages). Sign in with Mina sidor or in CSN’s software.
Sign up for your courses. This can be done at your college.
You are going to get the first repayment for the semester at that time when you begin studying. You’ll then get the re re payment from the 25th associated with in advance for each month you are studying month. Should this be a week-end or even a general public vacation, you may have the funds from the final weekday before this date.
You can view your instalments in Mina sidor. You certainly will generally receive pupil funds and loans for a month each right time you obtain a repayment from CSN.
F any such thing occurs or changes throughout your amount of research, it’s important so that you can offer notification associated with modification to make sure you get the right quantity. 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 amount that is free.
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 modification notification in Mina sidor or call 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’re going to check out the given information you have got supplied to CSN with all the school’s data.
In the event that you or your child becomes sick
Additionally, it is crucial to submit notification in the event that you become sick or you should be at home to look after a unwell youngster. In this example, you’ll keep your pupil grants and loans without these days being counted as having been utilized, and requirement regarding awarded credits is also paid off. Report infection into the Swedish Social Insurance Agency ( Forsakringskassan ) and proper care of a kid to CSN.
Repaying the learning education loan
If you decide to borrow funds from CSN, you will need to repay the mortgage. You can expect to get a re payment plan when it’s time and energy to start making repayments.
Should this be the very first time you have actually applied for an educatonal loan, you can expect to begin repaying the mortgage in the earliest half a year after receiving the pupil aid. You will not receive any such grace period if you have studied before and start studying again.
The quantity you need to pay each depends e. G year. On
Just how much you have got lent
How long you will be repaying your loan
The attention price.
You are able to just simply take at the most 25 years to settle your loan, also it needs to be completely paid back because of the right time you turn 60. You will frequently pay only a little less at the start and much more by the end. Of course, you can easily repay the mortgage faster if you would like.
If you’re experiencing trouble together with your repayments, for instance because your income decreases, you can easily use to pay for back less for a specific time frame. CSN will then evaluate the job and determine whether you’re eligible to spend less.
Make sure to ensure that CSN constantly has your proper target details. This might be a necessity.
If you’ve got gotten a need
That you were not entitled to, you have to pay it back if you have received money from CSN. In this instance, you certainly will get a need.
Appealing against a choice by CSN
You can appeal against it if you believe that CSN has reached an incorrect decision. CSN must certanly be in receipt of the appeal within three months through the date by which you had been notified your choice.