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Repaying student loans or demands

Those who have studied with student loans from CSN start repaying their debt when they put their studies on hold or complete the studies for which they have received student financial aid. This applies even if you are unemployed, receiving parental benefit or moving abroad. Here you will find information on how to repay your loan and what you can do if you are having difficulties repaying.

Information in English and other languages

We provide information about our various forms of grants and loans in different languages. Quite a lot of information has been translated into English. The most important information has been translated into other languages, such as Arabic, Spanish, etc.

Information due to the Corona virus

Do you have difficulties repaying your loan due to the Corona crisis? Then it is possible to postpone or reduce the payment.

Information about the Corona virus

When do I begin making repayments?

If it is your first time taking student loans, you start repaying the loan six months after receiving your last loan payment.

When it is time to start repaying, you will receive a letter from CSN with a payment plan and inpayment form. You will receive this at the turn of the year.

Have you taken student loans previously and begun repayments? In that case, you begin repayments immediately after you stop receiving student loans.

How much should I pay?

You will find the repayment amount in the annual statement which you receive in January.

How much you need to pay each year (annual amount) is determined by:

  • how much you have borrowed,
  • how high the interest rate is (the interest rate for 2021 is 0,05 per cent)
  • an adjustment rate amounting to a maximum of two per cent per year
  • the duration of the period of time during which you are going to be repaying your loan

How do I pay?

You can choose between direct debit, e-invoice, or inpayment forms when repaying your student loan. If you are living abroad, you can also repay your loan using a debit card.

Direct debit - connect via your online bank, the money will be automatically deducted from your account.

E-invoice - connect via your online bank, you approve your e-invoice directly with the online bank.

Inpayment form - the simplest way is to pay through your online bank with the information on the inpayment form.

Debit card - Those living abroad can pay with a Visa or Mastercard debit card at My Pages (Mina Sidor).

Direct debit

Complete a direct debit application with your online bank. State CSN or Centrala studiestödsnämnden, depending on your bank, as the payee in the application to the bank. You will only need to complete one application even if you have multiple loans. You cannot pay repayment demands through direct debit.

Things to consider regarding direct debit:

  • When your direct debit application has been approved, you will receive a confirmation from us and your bank.
  • When switching banks or account numbers you should turn to your bank.
  • If you no longer wish to pay through direct debit, you need to notify your bank or CSN. Your request must be made in writing with a signature.
  • If you have any questions regarding direct debits, you should firstly contact your bank.
E-invoice

You register to receive e-invoices in your online bank. State CSN or Centrala studiestödsnämnden, depending on your bank, as the payee in the application to the bank. You will only need to complete one application even if you have multiple loans.

Things to consider regarding e-invoice:

  • Once your e-invoice application has been approved, you will receive an email and a message in My Pages (Mina Sidor).
  • If you change banks, you must make a new e-invoice application with your bank.
  • If you no longer want to pay by e-invoice, register this with your online bank.
  • If you have any questions regarding e-invoicing, you should firstly contact your bank.
Inpayment form and bankgironumber
  • We will send inpayment forms to you by mail if you have not chosen another payment method.
  • If you do not have or have lost your inpayment form, you can make a manual payment directly through your online bank. In this case it is important that the money is sent to the correct bank giro. Which bank giro number you need to use depends on what loan(s) you have.
  • If you are paying online, state the OCR number on the inpayment form. If there is no OCR number, write your national registration number (YYMMDDNNN) instead.
If you are living abroad

If you live abroad, you can make payments on your loan using a debit card, direct debit, e-invoice, IBAN, with a bank account and BIC/SWIFT.

Debit card

If you pay using a debit card it has to be connected to either Visa or Mastercard. You make the payment on My Pages (Mina sidor).

Paying with IBAN

When making payments from abroad using IBAN, you need to enter the following details. The fee may vary, depending on which country you are paying from. For information about fees, please contact your bank.

For loans after 30 June 2001

IBAN: SE9112000000012810111847
BIC: DABASESX

Demands

IBAN: SE6912000000012810111855
BIC: DABASESX

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

As a reference, please specify your personal identity number, name and address on the payment.

If you have an older loan and are paying by IBAN, you can find out more about what information you need to provide on our Swedish pages.

Paying with a bank account and BIC/SWIFT

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

For loans after 30 June 2001

Bank account: 12810111847
BIC: DABASESX

Demands

Bank account: 12810111855
BIC: DABASESX

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

As a reference, please specify your personal identity number, name and address on the payment.

If you have an older loan and are paying with your bank account and BIC/SWIFT, you can find out more about what information you need to provide on our Swedish pages.

For how long do I need to pay?

The maximum repayment plan duration is 25 years. The loan must be repaid the year you turn 60. Depending on how old you are and the size of your debt, you may be given less time to repay the loan. In your annual statement, you will see how long you have to repay your student loan.

How often do I pay?

Normally, you will make four payments per year (February, May, August, and November), but you can select monthly payments at My Pages (Mina Sidor).

Are you having difficulties repaying your loan?

You can postpone a payment for a month or change to monthly payments at My Pages (Mina Sidor).

You can also apply for a reduction during a period. This is called a reduction. This is something we grant under exceptional circumstances or if you have a low income. An example of exceptional circumstances could be you receiving income support. If you are granted a reduction, this could mean that your future annual amounts become higher.

If you are still having difficulty repaying the loan, we would like you to call us so that we can find the best possible solution for your particular situation.

Reduction - pay less for a specified period (på svenska)

If you fail to pay

If you fail to make payments on your loan in accordance with the payment plan, the following occurs:

  • We will send you a reminder with a SEK 450 reminder fee.
  • If you do not pay, we will send another reminder the following month. You will then have to pay an additional SEK 450.
  • If you still cannot pay, we will send you a demand letter.
  • If you do not pay the demanded sum, your case will be referred to the Swedish Enforcement Authority. This may result in a record for non-payment of debt. If you are living abroad, we will refer your case to a debt collection agency.

About reminder fees (på svenska)

Pay more or the full student loan

You can pay more on your student loan to pay it off faster. You can also pay the entire loan at once. Contact CSN if you would like to pay more.

If you move abroad

If you move abroad, you must continue repayments in accordance with your payment plan. In this case, make sure to update your contact information under My Profile (Min profil) at My Pages (Mina sidor). If you are living abroad for over one year you need to notify the Swedish Tax Agency.

Paying a claim

If you have received money from CSN that you were not entitled to, you have to pay it back. In this case, you will receive a repayment claim. This may e.g. be because you have stopped your studies. It is therefore important to notify CSN if you change your studies or if your income changes. This might affect your entitlement to student finance.

More about repaying claim

It is important to provide the correct contact information

It is important that you provide the correct contact information at My Pages (Mina sidor), so that we can contact you when we have information for you. Log onto My Pages and check your contact information. If the information is incorrect, read more on Relocating or changing address.

 

Icon for updated Updated: 2020-12-09
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