You will subsequently need to pay back the money you have borrowed from CSN if you have taken out a student loan with CSN. Right Here you’ll learn about how exactly to repay figuratively speaking and needs.
Information in English along with other languages
We offer information regarding our different forms of funds and loans in various languages. Quite a complete great deal of data happens to be translated into English. The absolute most information that is important been translated into other languages, such as for instance 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, getting parental advantage or going abroad.
You additionally have to pay for interest in the loan, which for 2020 stands at 0.16 %. 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 finishing your studies with pupil help. The utmost time you need to pay straight right back your education loan is 25 years, though it should have been paid back in the latest within the 12 months you turn 60. It may additionally be the case which you have actually less time to pay for straight straight back the education loan. This depends upon your actual age when you begin making repayments, or how debt that is much have actually.
Having to pay a need
When you have received funds from CSN you are not eligible for, you need to spend it right back. In this situation, you certainly will receive a demand. This might e.g. Be since you have stopped your studies. It is crucial to alert CSN in the event that you improve your studies or if your revenue modifications. This could impact your entitlement to pupil finance.
Beginning to repay the learning education loan. Exactly how much you shall be spending
We generally send your first re payment plan with paying-in slips six months after conclusion of your studies with a student-based loan. You must start making repayments immediately on completion of your studies if you already had a student loan from before.
You can view the debt so when you need to pay by logging into My Pages or into CSN’s application. You log into My Pages only at csn.se. Information in my own Pages is for sale 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 annual repayments
You may 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 are able to submit an application for direct debit or e-invoice using your banking that is online solution.
If you should be spending by bank giro and have now a loan you took down after 30 June 2001, you need to make repayments to bank giro number 5580-3084. You are able to enter your individual identification quantity (YYMMDDNNNN) because the OCR quantity for the re payment.
For those who have one of several older loans, you must make repayments to various bank giro figures.
It is possible to decide to make repayments in your loan once per month. This could be carried out by signing into Mina sidor (My Pages) only at csn.se.
You can even make repayments on your own loan one per year. Please e mail us if you would like to pay for one per year.
Spend more or repay the student loan that is full. Spending from abroad
You may make payments that are additional your loan whenever you want. To get this done, utilize the bank that is same number and OCR number in terms of your regular re payments. In the event that you want to make additional payments if you are paying by direct debit, you need to contact us.
It is possible to pay back your whole loan at any time. Make contact to inform us when you need to help make the payment, and now we shall tell you simply how much you’ll want to spend.
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’re residing abroad would be to be sure that we will have the proper contact information for your needs. You need to notify us of your new address if you move.
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 make use of this solution when you’ve got registered a foreign target with us.
When creating re payments from abroad utilizing IBAN, you want to go into the next details. The cost may vary, according to which nation you may be spending from. For information on costs, please contact your bank.
Our BIC target is: DABASESX, Danske Bank, Norrmalmstorg 1, 103 92 Stockholm
As being a reference, please specify your identity that is personal number title and target from the re payment.
When you have a mature loan and tend to be spending by IBAN, you’ll find down more about exactly what information you’ll need to produce on our Swedish pages.
If you are creating a repayment from abroad together with your bank account and BIC/SWIFT, you need to specify the next details.
Our BIC target is: DABASESX, Danske Bank, Norrmalmstorg 1, 103 92 Stockholm
As being a reference, please specify your individual identity quantity, title and address regarding the payment.
When you have an adult loan and so are paying along with your banking account and BIC/SWIFT, you will find down more about just what information you will need to produce on our Swedish pages.
You can easily spend by direct debit when you have a free account with A swedish bank or having an international bank which has operations in Sweden. You may want to spend by e-invoice when you have a free account having a Swedish bank or by having an international bank that may manage e-invoicing by having A swedish payee.
In the event that you are receiving trouble repaying the mortgage or if you are not able to spend
You are welcome to call us if you are having difficulty making payments. Together, we could have a look at that which we can perform to assist you. You may use to cover less (decrease), allowing for your earnings or exceptional circumstances.
It is important so that you could create your payments on time. You will also have to pay a reminder fee if you do not make payments on your loan. Perhaps the reminder that is first SEK 450.
In the event that you neglect to spend
In the event that you neglect to pay your yearly quantity relating to your payment plan, the next does occur:
- We shall deliver you a reminder. You will then need certainly to spend the SEK 450 reminder charge.
- One later, we will send another reminder month. You are going to need to pay A sek that is further 450.
- We will send you a demand note if you fail to pay despite receiving two reminders press this link here now.
- Dependent on your location, we shall send 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. A fee may be charged by the Enforcement Authority.
- If you’re abroad, we’ll ahead the need to a business collection agencies agency. Your debt collection agency might charge a charge.
Threat of record of non-payment
In case your case is handed towards the Enforcement Authority ( Kronofogden ), you chance getting accurate documentation of non-payment. Credit history organizations issue records of non-payment when they have acquired data through the Enforcement Authority. UC and Kreditfakta are samples of credit history companies.
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 are going to later request you to send us a certificate showing the earnings you’ve got received, after which it we are going to check always whether you have got compensated us the most suitable yearly amount.
You’ll learn about which certificates you ought to submit according to the national nation by which you received earnings.
In the event that you begin studying once more
That you don’t ordinarily have which will make repayments from the loan when you’re learning with pupil finance. You have to continue paying back if you are studying without student finance.
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 the appeal within three months from the date on which you had been notified your choice.