Pupil grants and loans are designed for pupils that are their studies at e.g. University college, college or vocational college. 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.
Dining Table of articles
Pupil grants and loans for studies in Sweden
Playtime: 03:47, English message
The mortgage you need to pay back. You are able to decide to use entirely for the grant, should you not wish to take a loan out. The mortgage has the lowest interest and doesn’t need any safety, and you’re in a position to repay it more than a period that is long. In 2019, the attention price is 0.16 %.
Size of funds and loans you are able to get
How big the funds and figuratively speaking you can receive depends e.g. On
Your rate of study ( part-time or full-time)
The sheer number of months you are learning for
How big is your revenue.
Funds and student education loans, 2020 (examples for various amounts of days)
Total
2 715
10 860
54 300
Other funds and loans that you could make an application for
Some students can get more grants or borrow more money.
You can apply for extra child allowance if you have custody of children under the age of 18.
When you have worked within the past and received a specific minimal earnings, you can easily make an application for a additional loan. It is possible to get this at the time of the you turn 25 year.
If you should be their studies at compulsory or upper additional degree and satisfy particular conditions, you might receive an elevated grant aspect in your student See all quantities (Swedish)
In case the earnings surpasses the earnings limitation
You could get earnings as much as a certain quantity without your pupil funds and loans being impacted. The earnings restriction is determined per calendar half-year, January-June or July-December. In case your income surpasses the earnings restriction, you aren’t eligible to the level that is same of and loans.
The earnings restriction will depend on just how several weeks you’re studying for and whether you’re studying full-time or part-time. For example, if you are going to learning full-time with pupil funds and loans for 20 days in a calendar half-year, the earnings limitation is SEK 90 075. You can view your revenue restriction into the choice you can get from CSN.
Demands and conditions
Different needs and conditions must certanly be pleased to help you to definitely be eligible to student help.
The education you shall be going to must give the entitlement to pupil finance.
You need to be registered on your own courses.
Your studies needs to be at the very least 50 percent of full-time and must continue for at the very least three months.
You truly must be underneath the chronilogical age of 57. The entitlement to borrow decreases through the you turn 47 year.
May very well not get particular other benefits in the same time as getting pupil funds and loans, such as for instance task help, sickness advantage and introduction advantage.
You are able to just receive pupil grants and loans for the amount that is limited of. The amount of time is based on the training degree that you are learning:
University university, college or various other education that is post-secondary a maximum of 240 days
Upper level that is secondary a optimum of 80 or 120 weeks, based on your previous training
Compulsory college degree: no more than 40, 80 or 100 months, dependent on your past training and exactly what you might be 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 credits that are regarding depending on which program you may be learning.
For those who have unpa If you might be a international resident, in addition, you need certainly to satisfy unique conditions to be 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. For those who have a permanent residence license and are now living in Sweden, you certainly will frequently be entitled to Swedish pupil finance.
When you yourself have gotten a short-term residence license from the Swedish Migration Agency since you have refugee status or similar, you may be also frequently entitled to Swedish pupil finance.
In addition, various rules use according to regardless if you are a resident of a country within or away from EU/EEA or Switzerland.
Application, research payment and assurance
It’s this that you shall should do:
Ready your application. Find away your research times, Mina sidor (My Pages). Sign in with Mina sidor or in CSN’s application.
Sign up for your courses. This can be done at your college.
You’ll have the very first repayment for the semester at that time when you begin learning. You’ll then have the payment in the 25th associated with the in advance for each month you are studying month. Should this be a week-end or even a holiday that is public you will definitely get the funds in the final weekday before this date.
You can view your repayments in Mina sidor. You may generally get pupil grants and loans for a month each time you get a repayment from CSN.
F such a thing happens or changes through your amount of research, it is necessary that you receive the right amount for you to provide notification of the change so. Modifications might include you e.g.
Interrupting your studies
Learning for less credits than you’d prepared
Attempting to sell a 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.
It is possible to submit change notification in Mina sidor or e mail us in certain 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 shall check out the information you have got supplied to CSN because of the school’s data.
In the event that you or your son or daughter becomes ill
Additionally it is crucial to submit notification in the event that you need to be at home to care for a sick child if you become ill or. In this example, you could keep your pupil funds and loans without these months being counted as having been utilized, and requirement regarding awarded credits is additionally paid off. Report disease to your Social that is swedish Insurance ( Forsakringskassan ) and care of a young child to CSN.
Repaying the learning student loan
You will have to repay the loan if you choose to borrow money from CSN. You certainly will get a re re payment plan when it’s time for you to begin making repayments.
Should this be the very first time you have actually applied for an educatonal loan, you may start repaying the mortgage during the earliest 6 months after getting the student help. You will not receive any such grace period if you have studied before and start studying again.
The quantity you must spend each 12 months depends e.g. On
It is possible to just simply take no more than 25 years to settle your loan, plus it needs to be completely paid back because of the time you turn 60. You shall frequently pay only a little less at the start and much more by the end. Needless to say, it is possible to repay the mortgage faster if you like.
You can apply to pay back less for a certain period of time if you are experiencing difficulty with your repayments, for example because your income decreases. CSN will likely then assess the application and discover whether you’re eligible to spend less.
Don’t forget to ensure that CSN constantly has your proper target details. That is a requirement.
If you’ve got gotten a need
When you have gotten funds from CSN which you are not eligible to, you need to pay it right back. In this full instance, you may receive a need.
Appealing against a choice by CSN
You can appeal against it if you believe that CSN has reached an incorrect decision. CSN needs to be in receipt of one’s appeal within three months through the date upon which you had been notified your decision.
