The “Merit” loan is a loan that every student residing in Italy can obtain on the sole condition of being in compliance with the chosen course of study; the rate is fixed and defined at the time of subscription and no guarantee is required.

At the end of the studies, a “gap period” of 24 months is activated, during which the student will no longer receive payments but will not have to return anything yet.

The return takes place within a maximum period of 30 years; in case of early termination there are no additional costs.

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 “Fondo StudioSì” is the zero-interest financing made available by the Ministry of University and Research. The loan is aimed at students residing or studying in the South of Italy, does not require any guarantee, can reach a maximum of 50,000 euros and be repaid in a maximum of 20 years. 

“Fondo StudioSì” is intended only for students residing in eight target regions of the PON project, Abruzzo, Basilicata, Calabria, Campania, Molise, Puglia, Sardinia and Sicily, who are attending or will attend: the last two years of single-cycle degree, master degree courses, master’s and specialization schools.

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