Merit loan: study, graduate, get a job and start paying after 2 years

From the academic year 2024-2025, the merit loan will be available: the student will not have to pay any money in advance during their studies, and will start paying the loan amount two years after obtaining the degree.

LOAN ON MERIT

Ciels Campus, in collaboration with the Intesa SanPaolo Group, offers all students, whether freshmen or seniors, for a Bachelor’s, Master’s or Postgraduate degree, the possibility of applying for a merit loan, i.e. the possibility of paying university tuition fees.
It is an opportunity to invest in their professional training by attending university, thanks to the financial support that can also be used to pay university fees.
‘on Merit’ is a loan that any student resident in Italy can obtain on the single condition of being in compliance with their chosen course of study and does not require any collateral. The loan will be granted from June of the first year, after at least 20 credits have been obtained.
“On Merit” makes it possible to cover enrolment fees, the purchase of teaching materials, accommodation costs and everything else necessary to face the course of study with ease. And students are under no obligation to account for these expenses.
At the end of their studies, a 24-month ‘bridging period’ is activated, during which the student will receive no further payments but will not have to repay anything.
Repayment takes place over a maximum period of 30 years; in the case of early repayment there are no additional costs.
The rate is fixed and defined at the time of subscription.
All interest is paid back by Intesa Sanpaolo to the Fund for Impact, the fund created for people with difficulties in accessing credit and education.
For contractual terms and conditions consult the Information Sheets available at Branches and on the bank’s website. The granting of loans is subject to the bank’s approval.

PLEASE NOTE:

Students wishing to apply for the Merit Loan must be resident in Italy.
Once the bank’s approval of the loan has been confirmed, payments are made in six-monthly installments and do not coincide with Ciels Campus’ deadlines.
Ciels Campus has no other agreements with the bank other than those indicated in the Loan for Merit guide.
For further information on requirements and procedures for payment, please visit the
Intesa San Paolo website