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State-guaranteed student loan
Prêt étudiant garanti par l'État ·Gerido por Bpifrance
The prêt étudiant garanti par l'État opens bank credit to students whose parents cannot stand as guarantors: the State, through Bpifrance, guarantees 70% of the loan (excluding interest), so the bank asks for no personal security and applies no income test. You can borrow up to €20,000 in total over 2 to 10 years, at the rate offered by the partner bank — La Banque Postale, CIC, Crédit Mutuel, Société Générale or BFCOI (mainly Réunion and Mayotte) — and defer capital repayment until the end of your studies.
Quem tem direito
- Under 28 when the loan is signed
- Enrolled in a French higher-education institution
- French national, or EU/EEA citizen with 2 years of uninterrupted regular residence in France
- No means test, no parental or third-party guarantee
- €20,000 cap across all State-guaranteed student loans you take
Como candidatar-te
Generate your pre-eligibility certificate on the Bpifrance platform (garantie-etudiant.bpifrance.fr), then take it to a partner bank, which decides on the loan itself.
Fontes
- Prêt étudiant garanti par l'État — Service-Public.fr (DILA) (consultado em 10 de julho de 2026)
- Prêt étudiant garanti par l'État — etudiant.gouv.fr (MESR/Cnous) (consultado em 10 de julho de 2026)
- Prêt Étudiant Garanti par l'État — Bpifrance garantit votre prêt — Bpifrance (consultado em 10 de julho de 2026)
Última verificação 10 de julho de 2026