You will subsequently need to pay back the money you have borrowed from CSN if you have taken out a student loan with CSN. Here you can easily find out about how exactly to repay student education loans and needs.
Information in English along with other languages
We offer information regarding our various kinds of funds and loans in numerous languages. Quite a great deal of data happens to be translated into English. The absolute most information has been translated into other languages, such as for example Arabic, Spanish, etc.
Having to pay education loan
If you have paused your studies, it is time to start repaying your student loan after you have completed your studies with student aid, or. This is applicable even although you are unemployed, receiving parental advantage or moving abroad.
You additionally have to pay for interest in the loan, which for 2020 stands at 0.16 percent. You do not normally have to make repayments on the loan at this time when you are studying with student finance. 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 half a year after completing your studies with pupil aid. The maximum time you need to pay right straight back your education loan is 25 years, you turn 60 although it must have been repaid at the latest in the year. It might probably additionally be the situation you have actually less time to cover straight straight back the education loan. This is determined by your age when you begin making repayments, or exactly just how much financial obligation you 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 instance, you are going to get a need. This could e.g. Be as you have actually stopped your studies. Therefore crucial to notify CSN in the event that you replace your studies or if perhaps your earnings modifications. This may impact your entitlement to student finance.
Needs to repay the learning education loan. Just how much you will be having to pay
We typically distribute your first 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 a student-based loan from before, you have to begin making repayments instantly on conclusion of one’s studies.
You can view the debt as soon as you must spend by signing into My Pages or into CSN’s application. You log into My Pages only at csn.se. Information during my Pages is just obtainable 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, e-invoice or bank giro. Switch to monthly or payments that are annual
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 payment plan. You can easily make an application for direct debit or e-invoice during your online banking solution.
You took out after 30 June 2001, you must make payments to bank giro number 5580-3084 if you are paying by bank giro and have a loan. You’ll enter your individual identity number (YYMMDDNNNN) because the OCR quantity for the re payment.
You must make payments to different bank giro numbers if you have one of the older loans.
It is possible to elect to make repayments on your loan once per month. This is carried out by signing into Mina sidor (My Pages) only at csn.se.
You’ll be able to make repayments in your loan one per year. Please contact us if you want to cover one per year.
Spend more or pay off the complete student loan. Having to pay from abroad
You could make payments that are additional your loan at any time. To get this done, utilize the exact same bank giro number and OCR quantity in terms of your regular re re payments. In the event that you are having to pay by direct debit, you will need to contact us if you wish to make extra repayments.
It is possible to pay back your loan that is entire at time. Get in contact to inform us when you wish to really make the re payment, and now we shall tell you simply how much you will need to pay.
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 may be residing abroad is always to be sure that we usually have the perfect contact information for your needs. In the event that you move, you ought to alert us of the brand new target.
For those who have a credit or debit that is associated with Visa or Mastercard, you may make repayments utilising payday loans abq the Pay by Card solution. You need to use this service if you have registered an address that is foreign us.
When creating re re payments from abroad utilizing IBAN, you want to enter the following details. The charge may differ, according to which nation you’re spending from. For details about charges, be sure to contact your bank.
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 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.
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 being a reference, please specify your personal identification quantity, title and address regarding the re re payment.
When you have a mature loan and tend to be spending together with your banking account and BIC/SWIFT, you’ll find down more info on exactly what information you’ll need to deliver on our Swedish pages.
You are able to spend by direct debit when you have a merchant account with A swedish bank or having an international bank who has operations in Sweden. You can spend by e-invoice when you have a merchant account with a Swedish bank or having a foreign bank that will manage e-invoicing by having A swedish payee.
In the event that you are experiencing trouble repaying the mortgage or you neglect to spend
If you should be having trouble making repayments, you are welcome to call us. Together, we are able to glance at everything we may do that will help you. You may apply to cover less (decrease), allowing for your earnings or exemplary circumstances.
It is necessary to help you create your re re payments on time. If you fail to make repayments in your loan, additionally, you will need to pay a reminder charge. Perhaps the reminder that is first SEK 450.
In the event that you neglect to spend
In the event that you don’t spend your yearly quantity based on your repayment plan, listed here does occur:
- We shall give you a reminder. You will then need to pay the SEK 450 reminder charge.
- One later, we will send another reminder month. You’ll have to spend a further sek 450.
- In the event that you are not able to spend despite getting two reminders, we are going to send you a need note.
- Based on in your geographical area, we will deliver the need 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 cost.
- We will forward the demand to a debt collection agency if you live abroad. The debt collection agency may charge a cost.
Threat of record of non-payment
In case your case is handed to your Enforcement Authority ( Kronofogden ), you chance getting accurate documentation of non-payment. Credit file businesses issue records of non-payment when they have developed information through the Enforcement Authority. UC and Kreditfakta are samples of credit history businesses.
Earnings from abroad
When you yourself have formerly used to pay for less in your education loan while having been awarded a reduced yearly quantity as a result of your earnings, we shall check always your earnings retrospectively. We are going to afterwards request you to deliver us a certification showing the earnings you have got gotten, after which it we shall always check whether you’ve got paid us the appropriate yearly quantity.
It is possible to learn about which certificates you ought to submit with regards to the nation by which you received earnings.
In the event that you begin studying once more
You may not as a rule have which will make repayments in the loan if you’re learning with pupil finance. If you should be learning without pupil finance, you must carry on trying to repay.
Appealing against a determination by CSN
If you were to think that CSN has already reached an wrong choice, you’ll attract against it. CSN needs to be in receipt of the appeal within three days from the date on which you had been notified your decision.