Repaying student education loans or needs. Table of articles

Repaying student education loans or needs. Table of articles

You will subsequently need to pay back the money you have borrowed from CSN if you have taken out a student loan with CSN. Here it is possible to learn about how exactly to repay figuratively speaking and needs.

Information in English as well as other languages

We offer information on our various types of funds and loans in numerous languages. Quite a complete great deal of data is translated into English. The absolute most important info has been translated into other languages, such as for example Arabic, Spanish, etc.

Having to pay education loan

Once you’ve finished your studies with student help, or you have paused your studies, it is the right time to start repaying your education loan. This is applicable even though you are unemployed, getting parental advantage or going abroad.

You additionally have to pay for interest regarding the loan, which for 2020 stands at 0.16 %. Whenever you are learning with pupil finance, you don’t ordinarily have to create repayments in the loan at the moment. If you should be learning without student finance, you need to make repayments from the loan even when you are learning.

You begin repaying the loan no prior to when six months after completing your studies with pupil help. The utmost time you need to pay right back your student loan is 25 years, you turn 60 although it must have been repaid at the latest in the year. It might probably additionally be the instance which you have actually less time to cover right back the education loan. This hinges on your age when you begin making repayments, or exactly just how much financial obligation you have.

Having to pay a need

For those who have received funds from CSN you are not eligible to, you need to pay it right back. In this instance, you may get a need. This might e.g. Be since you have stopped your studies. Therefore crucial to alert CSN in the event that you improve your studies or if perhaps your earnings modifications. This could affect your entitlement to pupil finance.

Just starting to repay the learning education loan. Exactly how much you will be spending

We ordinarily send your first re payment plan with paying-in slips six months after completion of your studies with an educatonal loan. In the event that you currently had an educatonal loan from before, you have to start making repayments instantly on completion of one’s studies.

You can view your financial troubles as soon as you need to pay by signing into My Pages or into CSN’s software. You log into My Pages only at Information in my own Pages is just for sale in Swedish.

For those who have applied for that loan before 30 June 2001, that is classed as a mature loan and differing guidelines then affect you.

Pay by direct debit, bank or e-invoice giro. Switch to monthly or payments that are annual

You could make re payments to CSN by direct debit, e-invoice or slips that are paying-in. Paying-in slips are enclosed along with your re payment plan. You are able to make an application for direct debit or e-invoice through your online banking solution.

You took out after 30 June 2001, you must make payments to bank giro number 5580-3084 if you are paying by bank giro and have a loan. It is possible to enter your identity that is personal numberYYMMDDNNNN) while the OCR number for the re re payment.

When you have among the older loans, you have to make repayments to various bank giro figures.

It is possible to decide to make repayments on the loan once per month. This is carried out by logging into Mina sidor (My Pages) only at

You can make repayments on your own loan one per year. Please e mail us if you want to cover one per year.

Spend more or pay off the student loan that is full. Paying from abroad

You possibly can make extra payments on your loan anytime. To get this done, utilize the bank that is same number and OCR quantity in terms of your regular re payments. In the event that you want to make additional payments if you are paying by direct debit, you need to contact us.

You are able to pay back your whole loan at any time. Make contact to share with us when you wish to help make the payment, and then we shall inform you simply how much you ought to pay.

You can make payments on your loan using a debit card, direct debit, e-invoice, IBAN, with a bank account and BIC/SWIFT if you live abroad. The thing that is important you might be residing abroad is always to be sure that we will have the right contact information for you. You need to notify us of your new address if you move.

You can make payments using the Pay by Card service if you have a credit or debit that is linked to Visa or Mastercard. You should use hours this service if you have registered a foreign target with us.

When coming up with re payments from abroad using IBAN, you need certainly to go into the following details. The charge may vary, dependent on which nation you might be spending from. For information on charges, be sure to contact your bank.

Our BIC target is: DABASESX, Danske Bank, Norrmalmstorg 1, 103 92 Stockholm

As a reference, please specify your identity that is personal number name and target from the re payment.

When you yourself have a mature loan and are usually having to pay by IBAN, you will find down more about just what important information to produce on our Swedish pages.

If you are creating a repayment from abroad along with your banking account and BIC/SWIFT, you ought to specify the next details.

Our BIC target is: DABASESX, Danske Bank, Norrmalmstorg 1, 103 92 Stockholm

As a reference, please specify your identity that is personal number title and target in the payment.

For those who have a mature loan consequently they are paying along with your bank-account and BIC/SWIFT, you will find away more info on exactly what important information to deliver on our Swedish pages.

It is possible to pay by direct debit for those who have a free account having A swedish bank or with an international bank which have operations in Sweden. You can even spend by e-invoice when you yourself have a free account with a Swedish bank or by having a international bank that may manage e-invoicing having A swedish payee.

In the event that you are experiencing trouble repaying the mortgage or in the event that you neglect to spend

You are welcome to call us if you are having difficulty making payments. Together, we can glance at that which we can perform to assist you. It is possible to use to cover less (decrease), allowing for your earnings or circumstances that are exceptional.

It is necessary for you really to create your payments on time. Should you not make payments in your loan, you will need to spend a reminder fee. Even the reminder that is first SEK 450.

In the event that you neglect to pay

In the event that you neglect to spend your yearly quantity in accordance with your repayment plan, listed here happens:

  1. We will deliver you a reminder. You will then need to spend the SEK 450 reminder charge.
  2. One later, we will send another reminder month. You will need to pay a further sek 450.
  3. In the event that you neglect to spend despite getting two reminders, we are going to deliver you a need note.
  4. Based on your geographical area, we will deliver the need to your Enforcement Authority ( Kronofogden ) or a business collection agencies agency.
    • If you reside in Sweden, we shall ahead the need to your Enforcement Authority. A fee may be charged by the Enforcement Authority.
    • If you reside abroad, we shall ahead the demand to a commercial collection agency agency. Your debt collection agency may charge a cost.

Danger of record of non-payment

When your case is handed into the Enforcement Authority ( Kronofogden ), you risk receiving an archive of non-payment. Credit history businesses issue records of non-payment when they have developed information through the Enforcement Authority. UC and Kreditfakta are samples of credit file organizations.

Income from abroad

For those who have formerly applied to pay for less on the student loan and also have been awarded a lower life expectancy yearly amount because of your earnings, we are going to look at your earnings retrospectively. We shall subsequently ask you to send us a certification showing the earnings you’ve got gotten, after which it we’re going to always check us the correct annual amount whether you have paid.

You are able to learn about which certificates you need to submit with respect to the nation where you received earnings.

In the event that you begin learning once more

That you don’t as a rule have to help make repayments in the loan if you’re learning with student finance. If you’re learning without pupil finance, you need to continue repaying.

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 from the date by which you had been notified your choice.