Repaying your student loan - DUO

Repaying your student loan: Repayment guidelines

Not all people is topic to the identical guidelines when paying again a student loan. There are 3 completely different units of compensation guidelines:

  • You at all times pay by direct debit.
  • Your means to pay is taken under consideration as customary.
  • Your associate’s earnings at all times counts when calculating your means to pay.
  • Your compensation part lasts as much as 35 years.
  • You by no means need to pay greater than 4 per cent of your earnings above the flexibility threshold. If you’re single with no kids, that threshold is 100 per cent of the nationwide minimal wage. In all different circumstances it’s 143 per cent.
  • You at all times pay by direct debit.
  • Your means to pay is taken under consideration as customary.
  • Your associate’s earnings at all times counts when calculating your means to pay.
  • Your compensation part lasts as much as 15 years.
  • You by no means need to pay greater than 12 per cent of your earnings above the flexibility threshold. If you’re single with no kids, that threshold is 84 per cent of the nationwide minimal wage. In all different circumstances it’s 120 per cent.
  • You can choose to pay by direct debit. If you do, you obtain a € 0.77 low cost in your month-to-month instalment.
  • You can apply for a discount to your month-to-month instalment your self. You resolve whether or not or to not embrace your associate’s earnings when calculating your funds.
  • Your compensation part lasts 15 years. If your associate’s earnings is disregarded, that 15-year interval is prolonged by the variety of months it’s disregarded.
  • Your earnings is split into bands. In every band you pay a special proportion of your earnings, rising as your earnings enhance.
READ:   8 Tips For Paying Off Student Loans Fast

Wich guidelines apply to you, is dependent upon if you first obtained student finance. In sure circumstances, it’s doable to modify from one algorithm to a different. To examine what guidelines apply to you and if you happen to can swap, click on the button titled ‘Welke regels gelden voor mij en kan ik overstappen?’ (Dutch solely).


If you must repay Lifelong Learning Credit, barely completely different guidelines apply.

Switching compensation guidelines

If you’re entitled to modify compensation guidelines, you’ll obtain a letter from us just a few months earlier than you’re as a consequence of begin making repayments.

If you’ve acquired this letter and also you do wish to swap, you may prepare this in Mijn DUO. You might swap as soon as solely.

Log in to my DUOLog in to my DUO

Even exterior the Netherlands, you may log into Mijn DUO together with your DigiD.

If you’re unable to take action for any motive, use the shape Aanvraag overstap terugbetalingsregels as a substitute.

Compare compensation guidelines

Rules from 2018 You at all times pay by direct debit.
Rules from 2012 You at all times pay by direct debit.
Rules earlier than 2012 You can choose to pay by direct debit. If you achieve this, you obtain a € 0.77 low cost in your month-to-month instalment.
Rules from 2018 Your associate’s earnings at all times counts when calculating your means to pay.
Rules from 2012 Your associate’s earnings at all times counts when calculating your means to pay.
Rules earlier than 2012 You resolve whether or not or to not embrace your associate’s earnings when calculating your funds.
Rules from 2018 Your compensation part lasts as much as 35 years.
Rules from 2012 Your compensation part lasts as much as 15 years.
Rules earlier than 2012 Your compensation part lasts 15 years. If your associate’s earnings is disregarded when calculating your funds, that 15-year interval is prolonged by the variety of months it’s disregarded.
Rules from 2018 You by no means need to pay greater than 4 per cent of your earnings above the flexibility threshold. If you’re single with no kids, that threshold is 100 per cent of the nationwide minimal wage. In all different circumstances it’s 143 per cent. You at all times pay lower than below the foundations from 2012
Rules from 2012 You by no means need to pay greater than 12 per cent of your earnings above the flexibility threshold. If you’re single with no kids, that threshold is 84 per cent of the nationwide minimal wage. In all different circumstances it’s 120 per cent. You normally pay lower than below the foundations earlier than 2012
Rules earlier than 2012 Your earnings is split into bands. In every band you pay a special proportion of your earnings, rising as your earnings enhance.