Student loan (interest-bearing)
Rentedragende lening ·Administered by Dienst Uitvoering Onderwijs (DUO)
The optional DUO loan supplements the grants. You adjust the monthly amount freely in Mijn DUO, and repayment only starts two years after you stop studying, scaled to your income.
Who qualifies
- Same base conditions as the basisbeurs
- Loan amount adjustable per month in Mijn DUO
How to apply
Request it in Mijn DUO — you can switch it on and off during the year, retroactively within the academic year.
Deadlines: Adjustable any time; retroactive within the academic year
Apply / official channel →Recent & announced changes
Interest dropped from 2.57% to 2.33% on 1 January 2026. After your studies the rate is fixed in 5-year periods.
Sources
- Rentepercentages studiefinanciering 2026 — DUO (retrieved 10 July 2026)
- Bedragen studiefinanciering — DUO (retrieved 10 July 2026)
Last verified 10 July 2026
Related programs
Tuition fee loan (collegegeldkrediet)· Collegegeldkrediet
up to €224.50 per month
A separate loan that covers your tuition month by month — €224.50/month from September 2026. Also open to EU students who don't qualify for full student finance.
Lifelong learning credit· Levenlanglerenkrediet
up to €13,005 per month
Tuition loan for adults who no longer have regular student-finance rights — typically 30 to 56 — covering statutory or up to 5× institutional tuition.