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First things first:
After you enrolled and got accepted, you can apply for the CEDIES scholarship:
Watch out: the deadlines are 30 November for the winter semester and 30 April for the summer semester!
Your scholarship application got accepted? Great, so now all you need to do is go to Spuerkeess and apply for your student loan!
The student loan amounts to 6.500 euros (in other words, 3.250 euros per semester). As the interest rate often changes, the Luxembourg government guarantees you a maximum interest rate of 2%. In other words, even if the current interest rate is 3%, for example, the government will take care of the difference!
Interest is calculated based on the total loan amount and is due every semester. You only need to begin repaying your student loan two years after completing your studies, but you can also do it earlier if you want. You have a total of ten years to repay the full amount.
Waiting to receive your CEDIES grant? If this is the case and you are applying for a student loan, you may also be able to get an advance payment of 2.500 euros from Spuerkeess. This 2.500 euros is interest free, which means you will ultimately repay exactly the same amount and not a penny more.