Regular loan

Before applying for a interest bearing loan, check if you are eligible for a supplementary grant. A supplementary grant becomes a gift if you graduate within 10 years, a interest bearing loan does not.

How much is it?

Use the calculator (in Dutch only) to find out how much you can borrow. You decide yourself how much interest bearing loan you want to take out.


When you apply for student finance, you can apply for an interest bearing loan at the same time. You can also apply for it later via Mijn DUO.

Log in to Mijn DUOwith DigiD

Login problems

If you cannot log in to Mijn DUO, then you can use a form. For university or higher education, use Wijzigingen student hoger onderwijs. For secondary vocational education, use Wijzigingen student mbo.

Borrowing less or more

You can increase or lower your interest bearing loan every month, via Mijn DUO.


You always have to pay back the loan, with interest. Use the calculator (in Dutch only) to see how much you must repay afterwards. It is not possible to transfer your debt to somebody else, for instance one of your parents.

Implications of student debt for mortgage

If you have an interest bearing loan, you are building a student debt. Do you intend to buy a house in the Netherlands in the future? Please be aware that a student debt can be taken into account when your mortgage is calculated.