When you yourself have applied for a education loan with CSN, you certainly will later have to pay off the amount of money you’ve got lent from CSN. Right Here you are able to find out about how exactly to repay student education loans and needs.
Information in English along with other languages
We offer details about our different types of grants and loans in numerous languages. A significant great deal of data happens to be translated into English. Probably the most information that is important been translated into other languages, such as for example Arabic, Spanish, etc.
Having to pay education loan
Once you have finished your studies with pupil aid, or you have paused your studies, it’s time to start repaying your student loan. This is applicable even although you are unemployed, getting parental advantage or going abroad.
You might also need to cover interest from the loan, which for 2020 stands at 0.16 %. If you’re studying with pupil finance, that you don’t ordinarily have to produce repayments from the loan at this time. Though you are studying if you are studying without student finance, you must make repayments on the loan even.
You begin repaying the loan no prior to when 6 months after doing student aid to your studies. The most time you must spend straight right back your education loan is 25 years, even though it will need to have been paid back at the latest when you look at the 12 months you turn 60. It might additionally be the situation which you have a shorter time to cover right back the education loan. This is dependent upon your age when you begin making repayments, or just just how much debt you have.
Paying a need
That you were not entitled to, you have to pay it back if you have received money from CSN. In this full instance, you will definitely get a need. This could e.g. Be since you have actually stopped your studies. It is important to notify CSN in the event that you replace your studies or if perhaps your earnings modifications. This could influence your entitlement to pupil finance.
Beginning to repay the education loan. Just how much you shall be spending
We usually distribute very first re re payment plan with paying-in slips half a year after conclusion of a student loan to your studies. In the event that you already had an educatonal loan from before, you need to begin making repayments straight away on conclusion of the 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 csn.se. Information within my Pages is available in Swedish.
For those who have removed that loan before 30 June 2001, that is classed as a mature loan and various guidelines then connect with you.
Pay by direct debit, e-invoice or bank giro. Switch to monthly or annual repayments
You may make re re payments to CSN by direct debit, e-invoice or paying-in slips. Paying-in slips are enclosed together with your re payment plan. You can easily submit an application for direct debit or e-invoice during your online banking solution.
If you’re having to pay by bank giro while having that loan you took away after 30 June 2001, you need to make repayments to bank giro number 5580-3084. You can easily enter your personal identity quantity (YYMMDDNNNN) because the OCR quantity for your re payment.
When you yourself have one of many older loans, you need to make payments to various bank giro figures.
It is simple to elect to make repayments in your loan once per month. This is carried out by logging into Mina sidor (My Pages) only at csn.se.
You could make repayments on your own loan one per year. Please e mail us if you want to cover once a year.
Pay more or pay off the student loan that is full. Paying from abroad
You could make payments that are additional your loan whenever you want. 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 are having to pay by direct debit, you’ll want to e mail us if you wish to make additional repayments.
You are able to pay off your whole loan at any time. Make contact to inform us when you need to make the payment, therefore we shall inform you just how much you ought to pay.
If you’re abroad, you are able to repayments on the loan employing a debit card, direct debit, e-invoice, IBAN, with a banking account and BIC/SWIFT. The thing that is important you may be residing abroad is always to ensure that we usually have the proper contact information for you personally. In the event that you move, you ought to inform us of the new target.
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 use this solution when you yourself have registered an address that is foreign us.
When coming up with re payments from abroad IBAN that is using want to go into the next details. The charge might differ, dependent on which nation you’re spending from. For information regarding costs, please contact your bank.
Our BIC target is: DABASESX, Danske Bank, Norrmalmstorg 1, 103 92 Stockholm
As being a reference, please specify your personal identification quantity, title and target regarding the payment.
You can find out more about what information you need to provide on our Swedish pages if you have an older loan and are paying by IBAN.
When you’re building a repayment from abroad along with your banking account and BIC/SWIFT, you’ll want to specify the next details.
Our BIC target is: DABASESX, Danske Bank, Norrmalmstorg 1, 103 92 Stockholm
As a reference, please specify your individual identification quantity, title and address regarding the re payment.
For those who have a mature loan and are also spending together with your banking account and BIC/SWIFT, you’ll find away more about just what important information to offer on our Swedish pages.
You can easily spend by direct debit when you have a merchant account having A swedish bank or by having a foreign bank which has had operations in Sweden. You are able to spend by e-invoice for those who have a free account having a Swedish bank or with an international bank that may manage e-invoicing with A swedish payee.
In the event that you fail to pay if you are having difficulty repaying the loan or
You are welcome to call us if you are having difficulty making payments. Together, we are able to have a look at everything we can perform that will help you. You may want to apply to cover less (reduction), considering your revenue or exceptional 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 very first reminder costs SEK 450.
In the event that you are not able to spend
The following occurs if you fail to pay your annual amount according to your payment plan
- We will send you a reminder. You shall then need to pay the SEK 450 reminder cost.
- One thirty days later, we’re going to deliver another reminder. You’ll have to pay A sek that is further 450.
- In the event that you are not able to spend despite receiving two reminders, we shall deliver you a need note.
- Based on your geographical area, we will deliver the need towards the Enforcement Authority ( Kronofogden ) or a business collection agencies agency.
- We will forward the demand to the Enforcement Authority if you live in Sweden. A fee may be charged by the Enforcement Authority.
- If you’re abroad, we shall forward the need to a commercial collection agency agency. Your debt collection agency might charge a cost.
Danger of record of non-payment
In instance your case is handed to your Enforcement Authority ( Kronofogden ), you chance getting an archive of non-payment. Credit file organizations issue records of non-payment once they have acquired information through the Enforcement Authority. UC and Kreditfakta are samples of credit file organizations.
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’ll afterwards request you to send us a certification showing the income you have got gotten, after which it we’re going to always check us the correct annual amount whether you have paid.
It is possible to learn about which certificates you ought to submit with regards to the country where you received earnings.
In the event that you begin learning once again
You may not ordinarily have to create repayments from the loan if you’re learning with student finance. If you should be learning without pupil finance, you must 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 needs to be in receipt of one’s appeal within three months through the date upon which you had been notified your decision.