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Repayment of study debt abroad
Study lovers and students often have to deal with a study debt. It is good to think about this in advance. Even if you are already studying, it is good to calculate your future debt. How much student debt will I have? You can calculate it in advance.
Starting at the beginning… Every student can borrow money to study. Every student can also apply for an OV card. Students who have studying brothers or sisters or whose parents have a lower income also receive a supplementary grant. If you graduate within ten years, you can keep the supplementary grant. You will also not have to repay the OV card. If you do not graduate within ten years, you must pay back the value of the OV card and the money you received via the supplementary grant. In principle, you must always repay the money you have borrowed. More about study financing
It can take a long time to repay the money. 35 years. And if there are special years, such as the year you have a child or buy a house, you can skip a year. After graduating from college or university, you get a good salary. But if the graduate is unlucky and does not find a (good) job, he does not have to pay everything immediately during that period. Repaying your study debt is never more than 4% of your annual income.
We look at your income and that of your partner (if any) from 2 years ago. We call this the ‘reference year’. We request your joint income from the Tax Administration. If you file a tax return, we look at your aggregate income. If you do not file a tax return, we take your taxable income as stated on your annual statement(s).
discontinued. You are still obliged to make repayments as long as you do not include your partner’s income. Just as long as it takes for your student debt to be repaid in full. In other words, your repayment phase will not end until you no longer have a student debt. It is therefore not possible to cancel your residual debt.
Will you include your partner again? If so, the term of your repayment phase will start again. Has the repayment phase ended? Then your residual debt will be cancelled. We do not waive any arrears in the monthly instalments.
Do you have an income abroad? If so, we are often unable to request your income details from the Tax Administration. In that case, you must provide us with your gross annual income. You will receive a letter every year.
Duo student finance
As a consumer, if I make a payment that I really should not have made, I made an undue payment. After an undue payment I am entitled to a refund of the amount I paid too much. You as the recipient must then repay the amount within a reasonable period. The Authority Consumer & Market (ACM) supervises the rules for fair trade with consumers, see www.acm.nl.
I kindly ask you to repay the amount of [amount] euros paid by me within two weeks. You can transfer the amount to account number [your account number], in the name of [your name]. I do not expect to receive any further invoices from your company.
You can see how much allowance you will receive. And whether you received too much or too little, or just the right amount. In My Benefits, you can see the information we used to calculate your benefit.
It may happen that we receive new information after the final calculation of your benefit has been made. Does the income turn out to be higher or lower after the final calculation of your benefit? If so, you will always receive a new final calculation. Does it concern other data than income? You can get a new calculation up to 5 years after the year for which you received the benefit.
Bienvenid@, soy Patricia Gómez y te invito a leer mi blog de interés.