Repaying student loans or needs. Dining 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. Right Here you’ll learn about how exactly to repay student education loans and needs.

Information in English and other languages

We offer details about our different types of funds and loans in numerous languages. A serious great deal of information happens to be translated into English. Probably the most important info has been translated into other languages, such as for example Arabic, Spanish, etc.

Spending education loan

Once you have finished your studies with pupil help, or if you have actually paused your studies, it is the right time to start repaying your student loan. This is applicable even though you are unemployed, receiving benefit that is parental moving abroad.

You additionally have to cover interest regarding the loan, which for 2020 stands at 0.16 per cent. If you are learning with student finance, you don’t as a rule have to create repayments in the loan at the moment. If you should be learning without pupil finance, you have to make repayments on the loan even although you are studying.

You begin repaying the loan no prior to when 6 months after finishing student aid to your studies. The most time you must spend right back your education loan is 25 years, you turn 60 although it must have been repaid at the latest in the year. It would likely be the full case which you have actually a shorter time to cover straight back the education loan. This is determined by your age when you begin making repayments, or exactly exactly how debt that is much have actually.

Having to pay a need

That you were not entitled to, you have to pay it back if you have received money from CSN. In this full situation, you will definitely receive a demand. This might e.g. Be since you have actually stopped your studies. It is essential to alert CSN if you replace your studies or if your earnings modifications. This may influence your entitlement to pupil finance.

Just starting to repay the student loan. Just how much you shall be spending

We generally send very first re payment plan with paying-in slips half a year after completion of your studies with a student-based loan. In the event that you currently had an educatonal loan from before, you need to begin making repayments immediately on conclusion of the studies.

You can view the debt when you need to pay by logging into My Pages or into CSN’s software. You log into My Pages only at Information in my own Pages is just available in Swedish.

Then apply to you if you have taken out a loan before 30 June 2001, this is classed as an older loan and different rules.

Pay by direct debit, bank or e-invoice giro. Change to monthly or annual repayments

You possibly can make re payments to CSN by direct debit, e-invoice or paying-in slips. Paying-in slips are enclosed together with your re re payment plan. It is possible to submit an application for direct debit or e-invoice during your banking that is online solution.

If you should be having to pay by bank giro and have now that loan you took down after 30 June 2001, you have to make repayments to bank giro quantity 5580-3084. You can easily enter your individual identification quantity (YYMMDDNNNN) because the OCR quantity for the payment.

When you yourself have among the older loans, you need to make payments to various bank giro figures.

It is possible to decide to make repayments in your loan monthly. This is done by signing into Mina sidor (My Pages) only at

It is possible to make repayments on the loan one per year. Please call us if you want to pay for one per year.

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

You may make payments that are additional your loan anytime. To achieve this, utilize the exact same bank giro number and OCR quantity as for your regular re payments. In the event that you are spending by direct debit, you will need to call us if you wish to make extra payments.

You can easily pay back your loan that is entire at time. Get in contact to inform us when you wish to help make the re payment, and now we shall tell you just how much you ought to spend.

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 make sure we will have the perfect contact information for you personally. 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 can make use of this solution if you have registered a international address with us.

When creating payments from abroad IBAN that is using have to enter the following details. The cost might differ, according to which country you might be having to pay from. For information regarding costs, be sure to contact your bank.

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

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

When you yourself have an adult loan and tend to be spending by IBAN, you’ll find away more info on just what important information to offer on our Swedish pages.

You need to specify the following details when you are making a payment from abroad with your bank account and BIC/SWIFT.

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 re re payment.

When you have an adult loan and therefore are spending along with your banking account and BIC/SWIFT, you’ll find away more info on exactly what information you’ll need to offer on our Swedish pages.

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

In the event that you are experiencing trouble repaying the mortgage or in the event that you don’t spend

If you’re having trouble making payments, you are invited to contact us. Together, we could have a look at what we can perform that will help you. You can even use to cover less (decrease), allowing for your earnings or excellent circumstances.

It’s important for you really to make your payments on time. You will also have to pay a reminder fee if you do not make payments on your loan. Perhaps the reminder that is first SEK 450.

In the event that you neglect to spend

The following occurs if you fail to pay your annual amount according to your payment plan

  1. We shall give you a reminder. You shall then need certainly to spend the SEK 450 reminder charge.
  2. One later, we will send another reminder month. You will need to spend A sek that is further 450.
  3. In the event that you are not able to spend despite getting two reminders, we shall give you a need note.
  4. Based on in your geographical area, we will deliver the demand into the Enforcement Authority ( Kronofogden ) or a commercial collection agency agency.
    • We will forward the demand to the Enforcement Authority if you live in Sweden. The Enforcement Authority may charge a charge.
    • If you reside abroad, we shall ahead the need to a business collection agencies agency. Your debt collection agency might charge a cost.

Threat of record of non-payment

In the event your case is handed to your Enforcement Authority ( Kronofogden ), you chance getting an archive of non-payment. Credit history organizations issue records of non-payment when they have acquired information through the Enforcement Authority. UC and Kreditfakta are samples of credit history businesses.

Earnings from abroad

We will check your income retrospectively if you have previously applied to pay less on your student loan and have been granted a lower annual amount because of your income. We’re going to afterwards request you to send us a certification indicating the earnings you have got gotten, after which it we’re going to always check us the hours correct annual amount whether you have paid.

It is possible to learn about which certificates you ought to submit according to the nation in which you received earnings.

In the event that you begin learning once again

That you do not as a rule have to produce repayments regarding the loan if you are learning with pupil finance. If you should be studying without pupil finance, you need to carry on trying to repay.

Appealing against a choice by CSN

You can appeal against it if you believe that CSN has reached an incorrect decision. CSN must certanly be in receipt of one’s appeal within three days through the date on which you had been notified your decision.

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