Finance your higher education with complete peace of mind with a state-guaranteed student loan. Study worry-free and only start to reimburse your loan two years after you have completed your studies.

Calculate your financial support and follow the guide to getting your state-guaranteed student loan

Enjoy student life to the fullest! Spuerkeess provides you with the financial flexibility necessary to complete your studies with complete peace of mind.

Calculate my financial aid

Whether in college or at university: independence and your dream studies can be yours! The state-guaranteed student loan supports you throughout your studies and when you begin your working life.

BIANNUAL FINANCIAL AID
BIANNUAL FINANCIAL AID
Invest in your future and choose what you want to study with a student loan at a preferential interest rate guaranteed by the government.
NO MONTHLY INSTALMENTS DURING YOUR STUDIES
NO MONTHLY INSTALMENTS DURING YOUR STUDIES
Your monthly repayments only begin two years after you have completed your studies. You will have a maximum of 10 years to reimburse your student loan.
100% DIGITAL PROCESS VIA S-NET MOBILE
100% DIGITAL PROCESS VIA S-NET MOBILE
You don’t need to visit a branch.

Calculate your financial assistance!




A non-working student A working student

Yes
No

10
0,00 €

SUMMARY

Basic grant
1.199,00 €
Mobility grant
0,00 €
Social grant
2.321,00 €
Family grant
0,00 €
Total semester grants
3.520,00 €
Basic loan
3.250,00 €
Additional loan
For social grant
0,00 €
For income above the minimum social wage
0,00 €
Total semester student loan
3.250,00 €
Annual increase for registration fees
For grant
0,00 €
For loan
0,00 €
This simulation is provided for information purposes only, and does not commit Spuerkeess in any way. For a concrete proposal, please submit your application to the Financial Aid Department.
Apply via Guichet.lu
I already have my letter of acceptance of the Financial Aid Department

Why choose Spuerkeess for your student loan? Your grant and state-guaranteed student loan are paid into a bank account. Spuerkeess offers numerous free services with its Axxess Study account.

OPTION OF AN ADVANCE ON YOUR STATE-GUARANTEED STUDENT LOAN OF 2.500 € AT 0%
OPTION OF AN ADVANCE ON YOUR STATE-GUARANTEED STUDENT LOAN OF 2.500 € AT 0%
Redeemable only when the state-guaranteed student loan is settled.
ONLINE BRANCH
ONLINE BRANCH
No need to visit a branch if you study abroad - you can talk to an advisor online.
USER-FRIENDLY APPLICATION
USER-FRIENDLY APPLICATION
S-Net and S-Net Mobile: modern, intuitive, fast and secure internet banking.
OPTION OF AN ADDITIONAL LOAN
OPTION OF AN ADDITIONAL LOAN
Need more money to finance your studies? Take advantage of the additional Spuerkeess student loan.
ASSISTANCE THROUGHOUT THE PROCESS
ASSISTANCE THROUGHOUT THE PROCESS
Don’t be intimidated by the administrative process - Spuerkeess will support you throughout.
AN INTELLIGENT FINANCIAL ASSISTANT: MIA
AN INTELLIGENT FINANCIAL ASSISTANT: MIA
Don't be afraid of losing control of your budget; MIA helps you manage your daily finances and anticipates your budget.

How do you apply for your state-guaranteed student loan? Spuerkeess supports you throughout the process.

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1. Apply for financial support from the Financial Aid Department

If this is your first application for this support, you must first submit your application to the Financial Aid Department via Guichet.lu using your LuxTrust Token.

Form via Guichet.lu
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2. Get your letter of approval

Once your application has been validated by the Financial Aid Department, a letter of approval containing a QR code will be sent to you.
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3. Obtain your loan via S-Net Mobile

Scan the QR code on the letter of approval 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. Receive funds in your account in just a few clicks, without having to visit a branch.
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4. New instalments available online

You can then receive any new instalment of your loan in just a few clicks with S-Net Mobile, without having to visit a branch.

Compare your options:

Financial Aid Department Scholarship
State-guaranteed Student Loan
Student Loan
Check whether you are eligible for a Financial Aid Department scholarship
Complete your financing with a loan at an interest rate guaranteed by the Luxembourg State.
If additional funding is needed, consider using a student loan.
Type
State Scholarship
Type
Bank loan
Type
Bank loan
Allocation
On the basis of the decision of the Financial Aid Department
Allocation
On the basis of the decision of the Financial Aid Department
Allocation
On the basis of a decision by Spuerkeess
Reimbursement
No payments
Reimbursement
2 years after graduation, over a period of max. 10 years. Semi-annual interest due.
Reimbursement
Maximum duration 30 years. Interest payable on a semi-annual basis.
Interest rate
No applicable rate
Interest rate
Interest rate capped at 2% for the applicant
Interest rate
Preferential interest rate offered by Spuerkeess
Amount
A maximum of 10.600€/year
Amount
Max. the amount stated on the letter of acceptance
Amount
Depending upon the collateral provided

Do you have your acceptance letter from the Financial Aid Department?

Scan the QR code on the letter of approval 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. Receive funds in your account in just a few clicks, without having to visit a branch.

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