Gift or repayment
Student finance for secondary vocational education (MBO), higher vocational education (HBO) and university is not always a gift up front. For certain study programmes your student finance is a ‘performance-related grant'.
MBO 1 and 2
If you do MBO 1 or 2, your basic grant, supplementary grant and student travel product are always a gift. There is no performance-related grant for MBO 1 and 2.
If you borrow money in addition to the basic and supplementary grant, you must always repay it with interest. To see your interest rate and for how long it is fixed, log in to Mijn DUO and look at Mijn Schulden.
Component | Gift or repayment |
---|---|
Basic grant | Gift |
Supplementary grant | Gift |
Student travel product | Gift |
Interest bearing loan | Repayment |
MBO 3 and 4
For MBO 3 and MBO 4, your basic grant, supplementary grant and travel product are a ‘performance-related grant’. They become a gift if you obtain your diploma within 10 years. This is called the diploma period. The 10-year period takes effect on the 1st of the month in which you first get student finance for MBO 3 or 4, or for higher education (HBO or university).
The performance grant is subject to interest from the 1st month you receive it. If you obtain your diploma in time, the interest becomes a gift as well. If you fail to obtain your diploma in time, you must repay the basic grant, the supplementary grant and the student travel product, including interest.
To see your interest rate and for how long it is fixed, log in to Mijn DUO and look at Mijn Schulden.
Component | Diploma within 10 years | No diploma within 10 years |
---|---|---|
Basic grant | Gift | Repayment |
Supplementary grant | Gift | Repayment |
Student travel product | Gift | Repayment |
Interest bearing loan | Repayment | Repayment |
Which diploma counts?
The number of years that constitute a gift depends on the official study duration of the course for which you obtained your diploma. The study programme for which the diploma has been obtained must also be recognised by the Dutch Ministry of Education, Culture and Science.
No diploma
If you do not obtain a diploma for at least level 3, you have to pay back the performance-related grant. There is one exception to this: if you received a supplementary grant during the first 12 months of your student finance, the supplementary grant you received during those months are not part of the performance-related grant. You are allowed to keep those sums, even without a diploma.
HBO and university
For HBO and university, your basic grant, supplementary grant and travel product are a ‘performance-related grant’. They become a gift if you obtain your diploma within 10 years. This is called the diploma period. The 10-year period takes effect on the 1st of the month in which you first get student finance for MBO 3 or 4, or for higher education (HBO or university).
The performance grant is subject to interest from the 1st month you receive it. If you obtain your diploma in time, the interest becomes a gift as well. If you fail to obtain your diploma in time, you must repay the basic grant, the supplementary grant and the student travel product, including interest.
To see your interest rate and for how long it is fixed, log in to Mijn DUO and look at Mijn Schulden.
Component | Diploma within 10 years | No diploma within 10 years |
---|---|---|
Basic grant | Gift | Repayment |
Supplementary grant | Gift | Repayment |
Student travel product | Gift | Repayment |
Interest bearing loan | Repayment | Repayment |
Tuition fees loan | Repayment | Repayment |
How many years of gift?
The number of years that constitute a gift depends on the official study duration of the course for which you obtained your diploma.
Type of degree | Number of years of gift |
---|---|
Associate degree | 2 years grant + student travel product in full |
HBO Bachelor's degree | 4 years grant + student travel product in full |
Bachelor's degree + 1-year HBO Master's degree | 5 years grant + student travel product in full |
Bachelor's degree + 1.5-year HBO Master's degree* | 5 years and 6 months grant + student travel product in full |
Bachelor's degree + 2-year HBO Master's degree* | 6 years grant + student travel product in full |
Bachelor's degree + 2.5-year HBO Master's degree* | 6 years and 6 months grant + student travel product in full |
Bachelor's degree + 3-year HBO Master's degree* | 7 years grant + student travel product in full |
Bachelor's degree + 4-year HBO Master's degree* | 8 years grant + student travel product in full |
* This applies only if you obtained an HBO Master’s degree on or after 1 September 2021. If you obtained an HBO Master’s degree before 1 September 2021, we convert 5 years grant + the student travel product in full into a gift.
Type of degree | Number of years of gift |
---|---|
University Bachelor's degree | 3 years grant + student travel product in full |
Bachelor's degree + 1-year university Master's degree | 4 years grant + student travel product in full |
Bachelor's degree + 1.5-year university Master's degree | 4 years and 6 months grant + student travel product in full |
Bachelor's degree + 2-year university Master's degree | 5 years grant + student travel product in full |
Bachelor's degree + 3-year university Master's degree | 6 years grant + student travel product in full |
Bachelor's degree + 4-year university Master's degree | 7 years grant + student travel product in full |
Which years will become a gift?
The first years during which you received a performance-related grant will become a gift. Even if during these years you only had a student travel product, and no basic grant or supplementary grant.
Part-time programme
If you get a degree for a part-time programme, your travel product, basic grant and supplementary grant also become a gift. In that case, the degree must be equivalent to the diploma for the full-time programme.
No diploma
If you do not obtain a degree, you have to pay back the performance-related grant. There is one exception to this: if you received a supplementary grant during the first 5 months of your student finance, the supplementary grant you received during those months is not part of the performance-related grant. You are allowed to keep those sums, even without a degree.
Quitting during the 1st year of your student finance
If you quit during the 1st year after getting student finance and you disenrolled before 1 February, you may not have to pay back your grant and student travel product for the 1st year.