14th August 2023

The university adventure begins: don’t forget the state guaranteed student loan!

Baccalaureate diploma in hand? Your well-deserved holidays are almost over? Perhaps you've already started at university or you're making your final preparations before the big departure? Find out about your financial aid and the 100% digital Spuerkeess application via S-Net Mobile for your state-guaranteed student loan.

Eligibility criteria

If you wish to go to university, you can apply for financial assistance for students at the Finanial Aid Department. Aid is granted in form of a student grant and a state-guaranteed student loan. You can choose to take the grant without taking the loan but not the other way around!

  • you are a Luxembourg national
  • or one of your parents has worked in Luxembourg for at least 5 years

What is the composition of the financial aid ?

The global student grant by the Financial Aid Department consists of four different grant  modules. The total amount you can obtain depends on your personal situation. The categories are as follows :

  • Basic scholarship
  • Mobility scholarship (if you are studying abroad and paying rent)
  • Family scholarship (if other children from the same household are enrolled in university)
  • Scholarship based on social criteria (criteria linked to taxable income)
  • Student loan at a maximum rate of 2%
  • In addition, the registration fees are reimbursed up to a certain amount (half scholarship, half student loan)
You're granted a scholarship for the official duration of the degree cycle plus a one-year bonus (2 semesters)!

However, you must demonstrate progress during the first degree cycle, otherwise financial aid may be denied. Because the grant is paid in two instalments, you must submit a grant request each semester, even if you are enrolled annually. The deadlines are 30 November for the winter semester and 30 April for the summer semester. If you miss them, you won't receive the grant!

How to apply for a grant?

You can complete your application online at guichet.lu. It’s fast and easy and you're guided step by step through the procedure!

Plus you can submit your application 24/7... so there are no excuses for missing the deadline.

Since the academic year 2021-2022, the application is made entirely via MyGuichet with or without a LuxTtrust product or electronic identity card (eID).

On MyGuichet, you will obtain a list of documents to be attached to the application that is adapted to your personal situation. Shortly after sending the application, you will receive an acceptance letter with a certificate for the bank printed on yellow security paper. Keep this letter carefully: you will need it to obtain the half-yearly instalment of your state-guaranteed loan from your bank!

How do you get the state-guaranteed student loan from Spuerkeess?

Scan the QR code on the letter of approval of the Financial Aid Department or upload the letter of approval to S-Net Mobile to take out your student loan. Make sure you have installed the latest version of S-Net Mobile.


Axxess Study: nothing but advantages

Spuerkeess also offers the Axxess Study package, which is free until age 30! You can receive one Axxess debit card and up to two credit cards free of charge.

You also benefit from a favourable tariff for your rent payment guarantee and lots of discounts from our Axxess partners.

Other plus point: while waiting for your financial aid to be agreed, you can obtain a maximum advance of EUR 2.500 at 0% interest!  Moreover, if the government financial aid mechanisms are not sufficient you can contract a Unif loan, which is an additional loan. The amount can be disbursed in a lump sum or in half-yearly instalments, which you can start paying back two years after you finished studying.

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