State-guaranteed student loan

The state-guaranteed student loan is a form of State aid for students, who must start repayments no more than two years after the end of their studies.

Your benefits

Up to 10 years to repay

An interest-free advance available

Attractive interest rates

Let's you focus on your studies

To provide you with the flexibility you need to make the most of your life as a student, Raiffeisen offers the complementary Study PLUS loan for an amount up to €15,000(in annual instalments of €2,500 for six years) at an advantageous rate of interest. You can choose the state-guaranteed student loan only or combine it with a Study Plus loan. In both cases, you only need to start paying it back once you have finished your course.

So make the most of your life as a student in the meantime!

When you sign for a student loan, Raiffeisen gives you 1,000 OPERA points, which you can exchange for cinema tickets.

Student loans

Use a student loan to finance your studies and make the most of the Green Code Study advantages.

How the state-guaranteed student loan works

To obtain a student loan, the student must first send a written application to the relevant department at the Ministry for Higher Education, the CEDIES.

When the student receives a letter of acceptance from CEDIES, Raiffeisen can grant the loan amount to the student.

2 years after the end of the student’s course, all the amounts advanced are consolidated in a single loan to be repaid by instalments within 10 years.