Student loan with a guarantor
An advantageous loan for students, without the need to provide proof of purpose, ranging from €2,000 to €7,500, with a favorable guaranteed 4% interest rate and a repayment period of 1 to 10 years.
Conditions for obtaining a loan with a guarantor
you are a student of the first, second, or third level of university studies in full-time or part-time form, studying at a university based in the Slovak Republic or at a foreign university
at the time of submitting the loan application, you must be enrolled in the year of the relevant academic year in which you are applying for the loan
you have a guarantor available who meets the conditions
What can you expect?
Timeline of the application.
29.08.2025
we will release the official loan provision guidelines for the academic year 2025/2026
from 01.09. to 30.09.2025
send us the loan application
second half of November
board meeting and publication of approved/denied loan applications
Within 20 days of approval
we will send you the contract for signing.
The contract will already be signed by the fund.
Within 45 days of receiving the contract
you will send us the contract signed by you back.
Within 14 days of the contract's publication in the Central Register of Contracts (CRZ)
we will deposit the funds into your account
30.9.2025
Open deadline
- €
Allocated funding
-
Next expected application deadline
- €
Funds for the upcoming term
Loan with no specific purpose
flexible funds for all your needs
Loan limit
from 2.000 to 7.500 €
Eligibility criteria for a student loan
you are a student of the 1st, 2nd, or 3rd level of higher education in full-time or part-time form, studying at a university based in the Slovak Republic or at a foreign university
at the time of submitting the loan application, you must be enrolled in a year of study for the academic year in which you are applying for the loan
you have a guarantor who complies with the guarantee requirements
With a guarantor
providing security for a smoother repayment experience
Fixed rate 4%
for the full duration of repayment
What can you expect?
> timeline for loan application process <
we will release the official loan provision guidelines for the academic year 2025/2026
From 01.9. to 30.9.2025
you will submit your student loan application to the FnPV address.
Board meeting and publication of approved/denied loan applications.
Within 20 days of approval, we will send you the contract for signing. The contract will be signed by the fund.
Within 45 days of receiving the contract, you must return the signed contract to us.
Within 14 days of the contract being published in the CRZ, the funds will be credited to your account
The most important things you need to know
> how does it work <
The most important thing you need to know
How does it work?
Loan applications can be submitted from September 1 to September 30, 2025.
Send the complete application along with the attachments to us:
> In paper form, personally, by mail, or courier service to the address:
Fond na podporu vzdelávania, Panenská 29, 811 03 Bratislava.
The loan application must be submitted as an original, personally signed by you. The shipment must be delivered no later than the last day according to the resolution, between 10:00 - 12:00 and 13:00 - 15:00. (In the last week before the deadline, shipments can be delivered on all working days). It is recommended to send mailed documents at least 3 days in advance.
> In electronic form to the email address: ziadost@fnpv.sk
ziadost@fnpv.sk
Documents must be signed with ZEP/KEP using a chip ID card. The email must be delivered no later than the last day according to the resolution, by 23:59:59.
The applicant must receive a confirmation email about the receipt within a maximum of 3 working days from the submission; otherwise, the application will be considered undelivered.
What happens after the deadline?
After the deadline, it is possible to cancel the application within 10 working days or, in case of discrepancies, to correct or supplement the application. Subsequently, the applications will be prepared for the approval process.
How will your application be evaluated?
The Funds Board evaluates only those loan applications that are submitted by the specified deadline and are in compliance with the loan provision conditions.
The Loan approval process consists of the following stages:
1. Assessment of the fulfillment of loan provision conditions,
2. Determining the priority of loan applications by applying the prioritization criteria specified in § 11, paragraph 3 of the Fund Act, as well as the Fund's Board priority criteria outlined in internal regulation No. 1/2019.
3. Approval of loan applications by the Fund's Board.
There is no legal entitlement to receive a loan from the Fund. The loan is not approved through administrative proceedings.
How can I find out if I've been granted a loan?
The Fund will publish a list of approved and denied loans on its website within three days of the Fund Board's decision, but no later than 60 days after the application submission deadline.
How to sign contracts correctly?
> Receiving the contract
After the list of approved loans is published, the fund will send you the contract within 20 days, already signed by the fund’s director. You will receive three copies: one for the fund, one for you and one for the guarantor.
> Signing the contract
The copy designated for the fund must be signed by both you and your guarantor in the presence of a notary or at the registry office. Both signatures must be officially verified.
Important: You and your guarantor do not have to sign the contract at the same time.
However:
- your signature must be verified on the same day or earlier than your guarantor’s;
- if the guarantor signs the contract before you, the contract will not be valid.
> Returning the contract
Out of the three copies, you must return one copy containing both officially verified signatures (yours and the guarantor’s) to the fund. The other two copies should be kept (one for you and one for your guarantor).
> Submitting the Contract
Submit the verified copy of the contract to the Fund for Education Support:
- by mail - it’s recommended to use registered mail to have proof of delivery
- in person
Important: Contracts delivered after the 45-day deadline will not be processed, and the loan will not be disbursed.
What Are Your Obligations Under the Loan Agreement?
1. Basic obligations:
Your primary obligation under the loan agreement is to notify the fund about any changes related to your studies or personal information, as well as the personal information of your guarantor. Failing to meet this notification obligation may result in the fund applying fees according to the current Fee Schedule
> Obligation to report and document changes in studies
You are required to inform the fund of any changes in your studies and submit the relevant documentation within 14 days of the event. This applies particularly to the following cases:
- completion of higher education,
- any other termination of higher education (e.g., withdrawal from studies, failure to complete studies within the maximum allowable duration, dismissal from studies, or program cancellation without transferring to another study program),
- suspension of studies
- transfer to another faculty or higher education institution without faculty division.
Submit the relevant documentation regarding the change in studies either electronically or by mail to the fund's address. If the document is issued in a language other than Slovak or Czech, include its translation into Slovak along with a sworn statement regarding the translation. Additional notification obligations may arise from the specific provisions of your loan agreement.
> Obligation to notify changes in personal information
You are required to inform the fund of any changes in your personal information by submitting a completed "Request for Change and Amendment of Personal Data and Loan Agreement Information" form within 14 days of the event. This applies particularly to the following cases:
- change of name, surname, permanent residence address, or correspondence address,
- change of contact details (e.g., email address or phone number).
Send the completed form electronically to info@fnpv.sk or by mail to the fund's address. Additional notification obligations may arise from the specific provisions of your loan agreement.
> Obligations during the loan repayment period
During the repayment period, you are primarily obligated to repay your loan. Repayment begins when you lose your student status and after the statutory grace periods expire. Regarding loan repayment, you are required to:
- meet the contractually stipulated deadline for monthly loan installments so that payments are credited to the fund’s account no later than the 25th of each calendar month,
- adhere to the agreed monthly installment amount,
- use the correct variable symbol, which is your birth number.
2. Loan Security:
The loan is secured by group insurance. The fund has a group insurance contract with Wüstenrot Insurance Company, which covers:
- death of the loan recipient (debtor),
- permanent consequences of an accident suffered by the debtor
This ensures high-quality insurance coverage without requiring an individual insurance policy or risk assessment.
The insurance is included in the loan agreement, and by signing the loan agreement, you consent to the insurance. The obligation to pay insurance costs to the fund applies to all loans provided.
Insurance premium:
- 2 ‰ annually of the insured amount for life insurance in the event of death,
- 1,5 ‰ annually of the insured amount for accident insurance covering permanent consequences.
Start and end of insurance:
- Insurance begins on the date the loan is disbursed (i.e., when the funds are debited from the fund’s account)
- Insurance ends on the date the loan is fully repaid, including interest, fees, and charges.
The insured amount is calculated annually based on the outstanding loan balance. Insurance costs are debited from the debtor’s account when the loan is disbursed and subsequently once per year in advance for the next calendar year, based on the loan balance as of December 31 of the previous year, until the loan is fully repaid.
In case of a breach of the loan agreement, the following penalties may apply:
> Insurance claim - debtor's death
In the event of the debtor’s death, the survivors must send the fund:
- a copy of the death certificate and
- the statistical report on death (form Obyv. 3-12 issued by the Statistical office of the Slovak Republic).
Once the document is received, the fund will coordinate further communication with the insurance company.
After the claim is processed, the insurance payout is credited to the fund’s account, and the total debt as of the date of the claim is settled. If the insurance payout exceeds the outstanding debt, the surplus is transferred to the survivors' account.
> Insurance claim -debtor’s permanent accident consequences
In case of an accident resulting in permanent consequences, the debtor must send the fund:
- a notice of accident, and
- a medical report from the attending physician
Upon receiving these documents, the fund will coordinate further communication with the insurance company. Additional documents may be requested directly by the insurance company. After the claim is processed, the insurance payout is credited to the fund’s account, and the total debt as of the date of the claim is settled. If the insurance payout exceeds the outstanding debt, the surplus is transferred to your account. While the claim is being resolved, you must continue to repay the loan as usual.
3. Penalties for Breach of Contract
In case of a breach of the loan agreement, the following penalties may apply:
- increase in the loan’s interest rate (e.g., if loan repayment is delayed by more than two installments),
- imposition of penalty fees (e.g., for failing to meet notification obligations),
- application of. a contractual fine (e.g., for unauthorized use of the loan),
- acceleration of the entire outstanding loan balance (e.g., if repayment is delayed by more than three installments, or if notification obligations outlined in points 1 or 2 of Article V of the loan agreement are neglected).
When will the contract be published?
As soon as we receive your contract back, we will review it to ensure no changes have been made and that the signatures are valid. If the contract is in order, we will anonymize it and publish it in the Central Register of Contracts (as required by law). Once the contract is published, it becomes effective the following day, which is the basis for the loan disbursement.
When will your loan be disbursed?
The fund is obligated to disburse the loan no later than 14 days after the contract becomes effective. The disbursement process is set up so that payments for contracts published the previous week are processed every Monday.
Loan repayment under the microscope: installments, interest, and other important information
> Loan repayment
The first loan installment is due in the month following the expiration of the repayment deferral period as specified in §13(3) of the Fund Act (details about repayment deferrals are provided below). Starting from that month, you are obligated to begin repaying the loan (e.g., if the deferral ends in July, your first installment is due in August).
You are required to repay the loan in accordance with the loan agreement so that the payment is credited to the fund's account no later than the 25th day of the relevant calendar month. We recommend making the payment no later than the 20th of the month. The delay in payment begins on the 26th day of the relevant calendar month.
All fees and charges according to the Fee schedule in effect at the time of the charged transaction or the provision of a paid service are added to the principal loan amount.
If you have already completed a Master's degree (second-degree university studies), or if you are a PhD student or a student pursuing a second university degree, the first loan installment is due in the month following the month in which the loan was disbursed. This means that you are required to start repaying the loan in that month, and you are not entitled to a repayment deferral according to §13(3) of the Fund Act.
> Loan interest
The loan is charged an interest rate of:
- at a rate of 0% per year during the period when you, as a student of the first or second degree of study, are entitled to a deferral of loan repayments according to §13(3) of the Fund Act.
- at the rate specified on the first page of the loan agreement during the period when you are required to repay the loan (during the repayment term) and during the period of a special deferral of repayments according to §17(14) of the Fund Act.
The interest rate specified on the first page of the loan agreement increases:
- by 2% per year during the period when you are in arrears with the loan repayment for more than two installments.
- by 2% per year during the period of a serious breach of the loan agreement on your part, if such a breach occurred during the period when you are required to repay the loan.
If you are a PhD student, the loan begins to accrue interest starting the day after the loan is disbursed to you.
> Loan repayment tem
The loan repayment term (the period during which you are required to repay the loan) is specified in the loan agreement based on the requested repayment term indicated in your loan application.
You can choose the repayment period in your loan application, with a minimum repayment period of 5 years and a maximum repayment period of 10 years.
The repayment period begins on the first day of the month following the month in which the loan was disbursed.
The repayment period is the same and applies to all outstanding loans if you have previously entered into multiple loan agreements with the fund. For students in bachelor's or master's degree programs (1st and 2nd cycle of higher education), the repayment period does not run, and the loan does not accrue interest during the deferral period under §13(3) of the Act on the Fund.
During a special deferral period under §17(14) of the Act on the Fund, the repayment period runs, the loan accrues interest, and you are required to pay only the interest on the principal.
If you have already completed one master's degree program (or are a Ph.D. student or pursuing a second university degree), the repayment period begins on the first day of the month following the month in which the loan was disbursed. In this case, you are required to start repaying the loan immediately and are not entitled to a deferral under §13(3) of the Act on the Fund.
The Fund's Council may decide to extend the repayment period only based on a justified request, with a maximum extension of up to 20 years.
> Amount of installments and payment method
The amount of your regular monthly loan installments is determined based on the approved loan amount, the amount of any outstanding loans provided in the past, and the repayment period. This amount is specified on the first page of your loan agreement.
You are required to remit loan installments monthly to the fund's bank account listed on the first page of your loan agreement. The installments must be credited to the fund's account no later than the 25th day of the respective calendar month to which the installment pertains. We recommend making the payment by the 20th day of the month at the latest.
Loan repayments can be made using the following methods:
- bank transfer to the fund's account and/or
- cash payment directly to the fund's cash desk, however, only one cash payment per calendar month may be made on behalf of the borrower, with a maximum amount of 300 euros
When making loan payments, you are required to provide the variable symbol, which is your personal identification number (birth number). If the variable symbol is not provided and the payment cannot be identified by any other means, the payment will be returned to the account from which it was made, and a reminder will be sent to you for the outstanding balance on the monthly loan payments.
> Payment details
IBAN: SK58 8180 0000 0070 0046 8764
BIC (SWIFT code): SPSRSKBA
Variable symboll: borrower's personal identification number
Constant symbol.: 0558
> Name and address of the bank
Štátna pokladnica
Radlinského 32
P.O.BOX 13
810 05 Bratislava 15
If you are making loan payments from a foreign bank and the bank does not allow payment identification through the variable symbol, please include the variable symbol (your personal identification number) in the payment note or in the End-to-End reference
The settlement data (account number and bank identification) provided here apply only to loans granted by the Fund for the Support of Education from the academic year 2013/2014 onwards.
The settlement data (account number and bank identification) for loans granted by the Student Loan Fund up to the academic year 2012/2013 are provided in the section For Students – SLF – Loan Repayment.
> Reminders
In case of loan non-repayment, the fund does not immediately resort to legal action for recovery, but in your best interest, it first sends multiple reminders.
The fund is authorized, but not obligated, to send a reminder even if you are late with the payment of less than three loan installments.
> Extra repayments
You are required to repay the loan in installments, and the amount of each installment each month must not be lower than the amount of the monthly loan installment specified on the first page of the loan agreement (regular installments).
You can also repay the loan with installments that, in total, exceed the amount of the regular monthly installment, i.e., with extraordinary payments. The fund does not charge any fees for extraordinary payments.
Prepayment of regular monthly installments in advance is not possible. Any payment exceeding the amount of the regular installment, unless it is a payment for an outstanding balance, will be considered an extraordinary payment.
> Prepaid loan repayment
You are entitled to repay the entire remaining balance of the loan at any time after the loan has been provided, as a lump sum, known as early repayment of the loan.
If you decide to repay the entire loan balance early, all you need to do is inquire about the exact remaining balance by email, which you can send to the email address of the relevant loan officer. The fund does not charge any fees for early repayment of the loan.
The fund provides information about the loan balance for early repayment exclusively upon request sent via email or postal mail. Information provided by phone regarding the loan balance is for informational purposes only.
Repayment deferrals
1. Deferral of repayments under § 13(3) of the Fund Act
The repayment deferral under § 13(3) of the Fund Act applies exclusively to students enrolled in first- and second-degree university programs who have not yet completed any other second-degree university program.
During the deferral period under § 13(3) of the Fund Act:
- the repayment period does not run,
- the loan does not accrue interest,
- you are not required to make any repayments
Further details about this deferral are outlined in article VII. of the loan agreement.
You are entitled to this deferral if:
a) due to studies
- if you are a student at a university based in the Slovak Republic or enrolled in an equivalent program abroad and have not yet completed a second-degree university program,
- during six months following the regular completion of a first-degree university program,
- during two months following the regular completion of a second-degree university program, and
- during two months after interrupting or otherwise terminating your studies, if it concerns a first- or second-degree university education.
A deferral of repayments due to studies is allowed for a total of up to seven years, which do not need to be consecutive (this applies only to loan agreements from the academic year 2017/2018 onwards).
We will grant a deferral of repayments due to studies if you provide:
- loan application or
- a separate written request for deferral of payments and
- mandatory attachments:
a) confirmation of school attendance – original, not older than 30 days / certified copy, and
b) translation of the confirmation of school attendance and a sworn statement regarding the translation – original, not older than 30 days / certified copy (for confirmations in a language other than Slovak or Czech)
b) due to maternity leave or parental leave
- if you interrupt your university studies due to maternity leave or parental leave and at the same time,
- notify the Fund in writing about your maternity or parental leave and request a deferral of repayments no later than one month after interrupting your university studies
A deferral of repayments due to maternity leave or parental leave is possible for a total of up to five years, which do not need to be consecutive.
A deferral of repayments due to maternity leave or parental leave will be granted if you provide:
no later than one month after the interruption of university studies, and
- mandatory attachments:
a) confirmation from the Social Insurance Agency or a doctor about the start of maternity leave - original, not older than 30 days / certified copy, or
b) document from the authority providing parental allowance - original, not older than 30 days / certified copy, and the child's birth certificate - copy, and
c) confirmation of study interruption - copy, and
d) translation of the confirmation of study interruption and a sworn statement regarding the translation - original, not older than 30 days / certified copy (for confirmations in languages other than Slovak or Czech)
c) due to voluntary military preparation (applies only to loan agreements from the academic year 2019/2020)
- if you interrupt your university studies due to the commencement of voluntary military training and at the same time
- notify the fund in writing about your commencement of voluntary military training and request a deferral of repayments no later than one month after the interruption of your university studies
The deferral of repayments due to voluntary military training is possible for the duration of the voluntary military training, including any potential duration of mandatory extraordinary service.
The deferral of repayments due to voluntary military training will be granted if you provide:
no later than one month after the interruption of university studies, and
- mandatory attachments:
a) a notification from the Personnel Office of the Armed Forces of the Slovak Republic confirming your admission to voluntary military training – original, not older than 30 days / notarized copy, and
b) a confirmation of study interruption – copy, and
c) translation of the confirmation of study interruption and a sworn statement regarding the translation – original, not older than 30 days / notarized copy (for confirmations in languages other than Slovak or Czech)
The deferral of payments will be implemented in the month following the month in which the request for deferral was received by the fund, and only if all the conditions for granting the deferral are met and all previously due payments have been settled.
In the event that a new circumstance arises during the deferral of payments (e.g., a reason for early termination of the deferral, or a reason for extending the deferral), you are required to send the relevant document to the fund within 14 days of the occurrence of the new circumstance. If the reason for the deferral still applies, you must also submit a new request for deferral of payments. Based on the submitted documents, the fund will adjust the duration of the deferral.
If your loan payment deferral was granted based on a separate request for deferral due to studies, and in section 3B of your loan application, you provide a different expected date for your state exam than the one stated in the deferral request, the fund will adjust the deferral duration based on the date provided in your loan application.
The request for a payment deferral, including attachments, can be submitted in paper form to the fund's address or electronically to the email address of the relevant officer, with the following conditions:
The attachments to the request for a special deferral of payments, which are required as originals, can be submitted:
a) in paper form (together with the request for deferral of payments) as an original, a certified copy, or a document created through a secure conversion of the relevant electronic document into paper form by a notary or another authorized entity (e.g., by mail).
b) in electronic form (together with the request for deferral of payments sent electronically), stamped with the qualified electronic seal of the institution that issued the document, or it must be a document converted from paper form to electronic form through secure conversion by a notary or another authorized entity (e.g., by mail).
The attachments to the request for a special deferral of payments, which are required as copies, can be delivered:
a) in paper form (along with the request for deferral of payments) as a regular copy or
b) in electronic form (along with the request for deferral of payments sent electronically) as a scan/photo in a *.pdf file or another format secured against further changes.
2. Special deferral of payments according to § 17 paragraph 14 of the Fund Act.
If the repayment period of your loan has already started (the period during which you are required to repay the loan) and you are not eligible for a deferral of payments under § 13 paragraph 3 of the Fund Act, you may also request a so-called special deferral of payments.
During the special deferral of payments under § 17 paragraph 14 of the Fund Act, the repayment period continues, the loan accrues interest, and you are only required to pay the interest on the principal. Further details about the special deferral of payments under § 17 paragraph 14 of the Fund Act are provided in Article VIII of the loan agreement.
You are entitled to a special deferral of payments if:
a) due to maternity leave or parental leave.
We will grant the special deferment of payments due to maternity leave or parental leave if you submit:
and
- required attachment:
a) certificate from the Social Insurance Agency or a doctor confirming the start of maternity leave - original, not older than 30 days / certified copy, or
b) document from the authority providing parental allowance - original, not older than 30 days / certified copy, and a copy of the child's birth certificate.
b) due to being registered with the relevant employment, social affairs, and family office as a job seeker (applies only to loan agreements from the academic year 2017/2018).
We will grant a special deferment of payments due to being registered with the relevant employment, social affairs, and family office as a job seeker if you submit:
- a separate written request for deferral of payments and
- mandatory attachment – a document confirming registration with the relevant Office of Labour, Social Affairs, and Family as a job seeker – original, not older than 30 days / certified copy
c) due to the performance of voluntary military training (applies only to loan agreements from the academic year 2019/2020).
You will be granted a special deferral of payments due to voluntary military training if you submit:
- a separate written request for deferral of payments and
- mandatory attachment – notification from the Personnel Office of the Armed Forces of the Slovak Republic regarding acceptance into voluntary military training – original, not older than 30 days / certified copy
A special deferral of payments will be granted starting the month following the month in which the request for the deferral was submitted to the fund, provided that you meet all the conditions for granting the deferral and have paid all the installments due up to that point.
In case a new circumstance arises during the special deferral of payments (e.g., a reason for early termination of the special deferral of payments, a reason for extending the special deferral of payments), you are required to send the relevant document to the fund within 14 days from the occurrence of the new circumstance and, if the reason for the special deferral still persists, also a request for a deferral of payments. Based on the submitted documents, the fund will adjust the length of the special deferral of payments.
The fund will notify you in writing of the amount of the adjusted loan repayment during the period of the granted special deferral of payments, and after the end of the special deferral of payments, the new amount of the regular monthly loan repayment.
Requests for a special deferral of payments, including attachments, can be submitted in paper form to the fund's address or in electronic form to the email address of the relevant officer, as follows:
Attachments to the request for a special deferral of payments, which are required as originals, can be submitted:
a) in paper form (together with the request for a special deferral of payments) as an original, certified copy, or a document created through a guaranteed conversion of the relevant document from electronic form to paper form by a notary or other authorized entity (e.g., by mail), or
b) in electronic form (together with the request for a special deferral of payments sent electronically), affixed with a qualified electronic seal of the institution that issued the document, or the document must be converted into electronic form from paper form through a guaranteed conversion by a notary or another authorized entity (e.g., by mail).
Attachments to the request for a special deferral of payments, which are required as a copy, can be submitted:
a) in paper form (together with the request for a special deferral of payments) as a regular copy or
b) in electronic form (together with the request for a special deferral of payments sent electronically) as a scan/photo in a file format *.pdf or another format secured against further changes.
3. Deferral for another qualified reason according to § 4 para. 1 letter m) of the Act on the Fund
You are entitled to request a deferral of loan repayments or principal repayment in writing for another qualified reason, in which case the same conditions as those for a special deferral of payments under § 17 para. 14 of the Act on the Fund will apply. The request for a deferral of payments for another qualified reason must be substantiated, and the reasons for requesting the deferral must be documented.
There is no legal entitlement to a deferral of payments for another qualified reason.
> Principal write-off
You are eligible to apply for a principal write-off only if your most recent loan agreement was concluded in or after the 2017/2018 academic year.
A principal write- off refers to a reduction of the outstanding loan principal after meeting the specified conditions. Detailed information about the principal write-off under §13 (6) of the Fund Act can be found in Article IX of the loan agreement.
Your outstanding loan principal will be reduced by 1% for each year of gainful employment if you are a taxpayer with unlimited tax liability as defined in § 2 (d), first point of Act No. 595/2003 Coll. on Income Tax, as amended by Act No. 534/2005 Coll., and you provide proof to the Fund that you performed gainful employment in Slovakia that entitles you to income from dependent activity, business, other self-employment, or income from the use of a work or artistic performance taxed under a special regulation, within five years from the start of the loan repayment period.
For the purposes of the write-off, gainful employment is defined as:
- performing dependent work, i.e., employment under an employment contract or an agreement for work outside an employment relationship
- conducting business under a trade license or other authorization to carry out a freelance profession or other self-employment activities according to a specific regulation
- engaging in activities under a mandate agreement, license agreement, publishing agreement, author agreement, work contract, or any other agreement that entitles you to income from the use of a work or artistic performance
The following periods also count toward the time of gainful employment required for principal write-off eligibility:
- maternity and parental leave for a maximum of three years in total
- periods of disability if the disability arose during or as a result of gainful employment
> Procedure for claiming a principal write-off
You can demonstrate fulfillment of the conditions for the principal write-off five years after the start of the loan repayment period by submitting either:
- a certificate from your employer, or
- a certificate from the relevant tax authority
The certificate must:
- be the original or a certified copy not older than 30 days
- indicate the period during which you performed gainful employment entitling you to income from dependent work, business, other self-employment, or income from the use of a work or artistic performance taxed under the Income Tax Act
The Fund will assess and evaluate compliance with the write-off conditions only after you provide proof of meeting the requirements. Only the first five years from the start of the loan repayment period are considered for the write-off.
Important documents
Dokumenty na stiahnutie
Sample - Loan application for the academic year 2025
Sample - Confirmation of doctoral study
Sample - Loan Agreement
Fee schedule effective from October 1, 2024
Confirmation of income of the guarantor from entrepreneurial activity
Confirmation of the guarantor's income from dependent activity or other regular income
Declaration of the guarantor regarding obligations
Request for deferral of payments
Request for change of personal details
Power of attorney