The calculator gives you an estimate of how the loan amount, interest rate level and repayment schedule affect the costs of your student loan.
Please note that the calculations are indicative – the exact loan interest and other terms and conditions will be shown on your loan application.
You can use the same application to apply for a new student loan or a top-up.
Start applicationWhen you need a student loan for the first time, apply for a new loan. In the subsequent years, apply for a top-up to your existing loan.
Read our detailed instructionsThe indicative Annual Percentage Rate (APR) of a student loan is 3,6 % when the loan amount is 4 500,00 EUR the loan period is 15 years and the margin is 0,50 %. The estimated total cost of the loan is 6 068,13 EUR and the number of loan payments is 120. The calculation includes a fee for the automatic debiting of loan payments, which is 2,50 EUR per payment, and an arrangement fee of 10,00 EUR . The calculation assumes that the loan will be drawn down over five years and the loan interest, payments and fees will remain unchanged throughout the loan period. The reference rate of the example calculation is the 12-month Euribor, which was quoted at 2,184 % (on 8 September 2025).
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