When you yourself have taken out an educatonal loan with CSN, you can expect to later have to pay off the cash you’ve got borrowed from CSN. Here it is possible to find out about how exactly to repay figuratively speaking and needs.
Information in English along with other languages
We offer details about our various kinds of grants and loans in various languages. Quite a great deal of data happens to be translated into English. The essential information that is important been translated into other languages, such as for example 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 applies even although you are unemployed, getting parental advantage or moving abroad.
You additionally have to cover interest in the loan, which for 2020 stands at 0.16 per cent. You do not normally have to make repayments on the loan at this time when you are studying with student finance. If you’re learning without pupil finance, you have to make repayments regarding the loan even although you are learning.
You begin repaying the loan no prior to when 6 months after doing student aid to your studies. The maximum time you need to pay straight straight back your education loan is 25 years, you turn 60 although it must have been repaid at the latest in the year. It might probably additionally be the situation that you have actually less time to pay straight back the education loan. This is based on your age once you begin making repayments, or exactly just how much financial obligation you have actually.
Spending a need
When you yourself have gotten cash from CSN which you are not eligible to, you need to pay it right back. In this situation, you will definitely receive a need. This might e.g. Be since you have stopped your studies. Hence crucial to alert CSN in the event that you improve your studies or if your earnings changes. This may affect your entitlement to pupil finance.
Beginning to repay the education loan. Simply how much you shall be having to pay
We usually send your first re payment plan with paying-in slips half a year after completion of your studies with an educatonal loan. In the event that you currently had an educatonal loan from before, you need to begin making repayments straight away on completion of the studies.
You can observe your financial troubles as soon as you must pay by signing into My Pages or into CSN’s application. You log into My Pages only at csn.se. Information during my Pages is for sale in Swedish.
When you yourself have applied for that loan before 30 June 2001, this can be classed as a mature loan and differing rules then affect you.
Pay by direct debit, bank or e-invoice giro. Change to monthly or annual repayments
You could make re payments to CSN by direct debit, e-invoice or slips that are paying-in. Paying-in slips are enclosed along with your payment plan. You’ll make an application for direct debit or e-invoice throughout your banking that is online solution.
You took out after 30 June 2001, you must make payments to bank giro number 5580-3084 if you are paying by bank giro and have a loan. You are able to enter your individual identification quantity (YYMMDDNNNN) while the OCR number for the re payment.
When you yourself have among the older loans, you have to make repayments to various bank giro figures.
It is possible to elect to make repayments in your loan once per month. This is often carried out by signing into Mina sidor (My Pages) only at csn.se.
You can even make repayments in your loan one per year. Please e mail us if you want to cover annually.
Spend more or pay back the student loan that is full. Having to pay from abroad
You possibly can make payments that are additional your loan whenever you want. To work on this, make use of the bank that is same number and OCR quantity in terms of your regular re re payments. In the event that you are paying by direct debit, you will need to e mail us if you wish to make extra payments.
It is possible to pay off your loan that is entire at time. Make contact to inform us when you wish to really make the re payment, so we will inform you simply how much you’ll want to spend.
If you’re abroad, you are able to repayments on your own loan utilizing a debit card, direct debit, e-invoice, IBAN, with a bank-account and BIC/SWIFT. The thing that is important you will be residing abroad would be to ensure that we also have the proper contact information for you personally. You need to notify us of your new address if you move.
When you yourself have a credit or debit this is certainly connected to Visa or Mastercard, you may make repayments with the Pay by Card solution. You can make use of this service when you’ve got registered an address that is foreign us.
When creating re payments from abroad utilizing IBAN, you need certainly to go into the following details. The cost may differ, dependent on which country you may be spending from. For details about costs, please contact your bank.
Our BIC target is: DABASESX, Danske Bank, Norrmalmstorg 1, 103 92 Stockholm
Being a reference, please specify your identity that is personal number title and target from the re payment.
For those who have an adult loan and therefore are spending by IBAN, you will find down more about just what important information to present on our Swedish pages.
If you’re creating a repayment from abroad together with your banking account and BIC/SWIFT, you’ll want to specify the following details.
Our BIC address is: DABASESX, Danske Bank, Norrmalmstorg 1, 103 92 Stockholm
As a reference, please specify your individual identification quantity, title and address in the re payment.
When you yourself have a mature loan and therefore are cashland online login having to pay together with your banking account and BIC/SWIFT, you will find away more info on what information you will need to produce on our Swedish pages.
You can easily pay by direct debit when you yourself have a merchant account with a bank that is swedish with an international bank which have operations in Sweden. You can spend by e-invoice when you have a merchant account by having a Swedish bank or having a foreign bank that will manage e-invoicing by having a payee that is swedish.
In the event that you are experiencing trouble repaying the mortgage or you are not able to spend
You are welcome to call us if you are having difficulty making payments. Together, we are able to have a look at that which we may do to assist you. You can use to cover less (decrease), allowing for your earnings or circumstances that are exceptional.
It’s important so that you could create your re re payments on time. If you fail to make payments on your own loan, additionally, you will need certainly to spend a reminder cost. Perhaps the very first reminder costs SEK 450.
In the event that you neglect to spend
The following occurs if you fail to pay your annual amount according to your payment plan
- We shall deliver you a reminder. You shall then need to pay the SEK 450 reminder fee.
- One thirty days later on, we are going to deliver another reminder. You’ll have to spend a further sek 450.
- In the event that you neglect to spend despite getting two reminders, we shall deliver you a need note.
- Based on your location, we shall deliver the demand towards the Enforcement Authority ( Kronofogden ) or a commercial collection agency agency.
- We will forward the demand to the Enforcement Authority if you live in Sweden. The Enforcement Authority may charge a cost.
- We will forward the demand to a debt collection agency if you live abroad. The debt collection agency might charge a cost.
Threat of record of non-payment
Should your case is handed into the Enforcement Authority ( Kronofogden ), you chance receiving accurate documentation of non-payment. Credit history businesses issue records of non-payment once they have acquired data through the Enforcement Authority. UC and Kreditfakta are types of credit file businesses.
Earnings from abroad
For those who have previously used to pay for less in your student loan and now have been awarded a lower life expectancy yearly quantity due to your earnings, we are going to look at your earnings retrospectively. We’re going to subsequently request you to deliver us a certification showing the earnings you’ve got gotten, after which it we’re going to always check us the correct annual amount whether you have paid.
You are able to learn about which certificates you really need to submit with regards to the country by which you received income.
If you start studying once again
You may not ordinarily have to create repayments in the loan while you are learning with pupil finance. You have to continue paying back if you are studying without student finance.
Appealing against a decision by CSN
If you were to think that CSN has now reached an wrong decision, it is possible to charm against it. CSN needs to be in receipt of the appeal within three days through the date by which you had been notified your choice.
