{"id":163141,"date":"2026-03-05T10:00:39","date_gmt":"2026-03-05T09:00:39","guid":{"rendered":"https:\/\/www.stuwo.at\/?p=163141"},"modified":"2026-04-22T14:49:45","modified_gmt":"2026-04-22T12:49:45","slug":"student-loan-austria","status":"publish","type":"post","link":"https:\/\/www.stuwo.at\/en\/blog\/student-loan-austria\/","title":{"rendered":"Student loan in Austria: Important information and facts for financing your studies"},"content":{"rendered":"<div id='av-layout-grid-1'  class='av-layout-grid-container av-78firl-c631ae41a668636fcb7900020bc361a5 entry-content-wrapper main_color av-flex-cells av-break-at-tablet  avia-builder-el-0  el_before_av_section  avia-builder-el-first   container_wrap sidebar_right'  >\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-6bd3tt-a6d12988a4a53fdfa6de14f008e15294\">\n.flex_cell.av-6bd3tt-a6d12988a4a53fdfa6de14f008e15294{\nvertical-align:top;\nbackground:url(https:\/\/www.stuwo.at\/wp-content\/uploads\/2022\/04\/STUWO-Blog-Studentenkredit-1030x687.jpg) 50% 0% no-repeat scroll ;\n}\n.responsive #top #wrap_all .flex_cell.av-6bd3tt-a6d12988a4a53fdfa6de14f008e15294{\npadding:30px 30px 30px 30px !important;\n}\n<\/style>\n<div class='flex_cell av-6bd3tt-a6d12988a4a53fdfa6de14f008e15294 av-gridrow-cell av_one_half no_margin  avia-builder-el-1  el_before_av_cell_one_half  avia-builder-el-first  avia-full-stretch'  ><div class='flex_cell_inner'><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jtogly79-a89aae1a7debf9f0a9a3fc1437fa16c5\">\n#top .hr.hr-invisible.av-jtogly79-a89aae1a7debf9f0a9a3fc1437fa16c5{\nheight:250px;\n}\n<\/style>\n<div  class='hr av-jtogly79-a89aae1a7debf9f0a9a3fc1437fa16c5 hr-invisible  avia-builder-el-2  el_before_av_hr  avia-builder-el-first  av-desktop-hide av-medium-hide'><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jtogly79-072d4ecb4020ede7917831b64bdd83be\">\n#top .hr.hr-invisible.av-jtogly79-072d4ecb4020ede7917831b64bdd83be{\nheight:350px;\n}\n<\/style>\n<div  class='hr av-jtogly79-072d4ecb4020ede7917831b64bdd83be hr-invisible  avia-builder-el-3  el_after_av_hr  avia-builder-el-last  av-small-hide av-mini-hide'><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p>\n<\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-dyhr5-99927f5945708bf13e84cb9abee7d045\">\n.flex_cell.av-dyhr5-99927f5945708bf13e84cb9abee7d045{\nvertical-align:top;\n}\n.responsive #top #wrap_all .flex_cell.av-dyhr5-99927f5945708bf13e84cb9abee7d045{\npadding:30px 30px 30px 30px !important;\n}\n<\/style>\n<div class='flex_cell av-dyhr5-99927f5945708bf13e84cb9abee7d045 av-gridrow-cell av_one_half no_margin  avia-builder-el-4  el_after_av_cell_one_half  avia-builder-el-last '  ><div class='flex_cell_inner'><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_heading-e2deb4aa691b6d2fa92dcd9b5c8615ba\">\n#top .av-special-heading.av-av_heading-e2deb4aa691b6d2fa92dcd9b5c8615ba{\npadding-bottom:0;\n}\nbody .av-special-heading.av-av_heading-e2deb4aa691b6d2fa92dcd9b5c8615ba .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-av_heading-e2deb4aa691b6d2fa92dcd9b5c8615ba .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-e2deb4aa691b6d2fa92dcd9b5c8615ba av-special-heading-h1 blockquote modern-quote  avia-builder-el-5  el_before_av_hr  avia-builder-el-first '><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >Student loan in Austria: Important information and facts for financing your studies<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jtogly79-ad57aec588c41c3e6e0fd3a450386ad1\">\n#top .hr.hr-invisible.av-jtogly79-ad57aec588c41c3e6e0fd3a450386ad1{\nheight:5px;\n}\n<\/style>\n<div  class='hr av-jtogly79-ad57aec588c41c3e6e0fd3a450386ad1 hr-invisible  avia-builder-el-6  el_after_av_heading  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n<section  class='av_textblock_section av-jtjtmedc-ce5f497fe1433f1922572aabdd533579 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Written by: <strong>Martin H\u00f6gerl, 05.03.2026<br \/>\n<\/strong><\/p>\n<\/div><\/section><br \/>\n<div class='flex_column_table av-bbw9h-e9ea24d4a9970947ae9a10c1728f5755 sc-av_one_full av-break-at-tablet-flextable av-equal-height-column-flextable'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-bbw9h-e9ea24d4a9970947ae9a10c1728f5755\">\n#top .flex_column_table.av-equal-height-column-flextable.av-bbw9h-e9ea24d4a9970947ae9a10c1728f5755{\nmargin-top:15px;\nmargin-bottom:0px;\n}\n.flex_column.av-bbw9h-e9ea24d4a9970947ae9a10c1728f5755{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-bbw9h-e9ea24d4a9970947ae9a10c1728f5755 av_one_full  avia-builder-el-8  el_after_av_textblock  avia-builder-el-last  first av-break-at-tablet flex_column_table_cell av-equal-height-column av-align-top av-zero-column-padding  column-top-margin'     ><p><section  class='av_textblock_section av-jtjtmedc-ce5f497fe1433f1922572aabdd533579 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Especially as a student, financial resources are not endless. Sometimes your parents\u2019 support, <a href=\"https:\/\/www.stuwo.at\/en\/blog\/child-benefit-for-students\/\">child benefit<\/a> or your <a href=\"https:\/\/www.stuwo.at\/en\/blog\/jobs-for-students\/\">student job<\/a> is simply not enough. Your application for study benefit or a scholarship was declined and you ask yourself: \u201cCan students get a loan?\u201d.<\/p>\n<p>Yes, there are special student loans that can help you <a href=\"https:\/\/www.stuwo.at\/en\/blog\/how-to-finance-studies-austria\/\">pay for your studies<\/a>. We will explain to you what a student loan is, how it works and what you need to pay attention to. We also have some STUWO bonus tips for you!<\/p>\n<\/div><\/section><br \/>\n<section  class='av_textblock_section av-lxufacn0-a574ee74e867031803022b76556f4c10 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p><strong>Table of Contents<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"#What is a student loan?\"><span style=\"font-weight: 400;\">What is a student loan?<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"#How does a student loan work?\"><span style=\"font-weight: 400;\">How does a student loan work?<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"#Types of student loans in Austria\"><span style=\"font-weight: 400;\">Types of student loans in Austria<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"#Requirements for student loans in Austria\"><span style=\"font-weight: 400;\">Requirements for student loans in Austria<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"#Advantages &amp; Disadvantages of student loans\"><span style=\"font-weight: 400;\">Advantages &amp; Disadvantages <\/span><span style=\"font-weight: 400;\">of student loans\u00a0<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"#Step-by-Step guide: applying for a student loan\"><span style=\"font-weight: 400;\">Step-by-Step guide: applying for a student loan<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"#STUWO Bonus tips for your student loan\"><span style=\"font-weight: 400;\">STUWO Bonus tips for your student loan<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"#FAQs: All answers to student loans in Austria\"><span style=\"font-weight: 400;\">FAQs: All answers to student loans in Austria<\/span><\/a><\/li>\n<\/ul>\n<\/div><\/section><\/p><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><\/p>\n<\/div><\/div>\n<\/div>\n<div id='av_section_1'  class='avia-section av-73734u-e654b2f47cc625f39101c2a047ce5327 main_color avia-section-default avia-shadow  avia-builder-el-11  el_after_av_layout_row  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-163141'><div class='entry-content-wrapper clearfix'>\n<section  class='av_textblock_section av-jy4ae4sq-822ea548e243705b250732725c9d147e '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2 id=\"What is a student loan?\">What is a student loan?<\/h2>\n<p><span style=\"font-weight: 400;\">A student loan is a way to financially support your studies if your own funds or regular income are not sufficient. It\u2019s designed specifically for students and helps cover the ongoing costs that come with university life. Usually, a student loan is not dependent on your income or your parents\u2019 income and can also be applied for even if you are already receiving family or study allowances.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Unlike traditional loans, a student loan is usually more flexible and tailored to the living situation of students. The goal is to take some financial pressure off so that you can focus more effectively on your studies. The money is primarily intended for tuition fees, study materials, housing and travel costs, or a semester abroad.<\/span><\/p>\n<\/div><\/section>\n<div  class='hr av-67ddri-41246adb82eb20f9271331161b8c66cb hr-short  avia-builder-el-13  el_after_av_textblock  el_before_av_textblock  hr-left'><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-jy4ae4sq-822ea548e243705b250732725c9d147e '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2 id=\"How does a student loan work?\">How does a student loan work?<\/h2>\n<p>There are three parts of a student loan:<\/p>\n<ul>\n<li><strong>Payment period<\/strong>: The loan is paid in full at the beginning or monthly (sometimes semi-annual or annual) in small amounts. (1-14 terms)<\/li>\n<li><strong>Grace\/inactive period<\/strong>: During this time, you neither receive money nor have to pay back money. That\u2019s usually right after you\u2019ve finished your studies. (3-24 months)<\/li>\n<li><strong>Repayment period<\/strong>: You pay off your loan in small instalments.<\/li>\n<\/ul>\n<p>The inactive and repayment periods strongly influence the total amount of money you have to pay back. The longer the inactive period between payment and repayment period, the higher the interests. The amount of your instalments (and therefore the duration of the repayment period) also play an important role because the smaller the instalments, the higher the interest costs.<\/p>\n<\/div><\/section>\n<div  class='hr av-67ddri-41246adb82eb20f9271331161b8c66cb hr-short  avia-builder-el-15  el_after_av_textblock  el_before_av_textblock  hr-left'><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-jy4ae4sq-822ea548e243705b250732725c9d147e '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2 id=\"Types of student loans in Austria\">Types of student loans in Austria<\/h2>\n<p><span style=\"font-weight: 400;\">A student loan isn\u2019t just a student loan. In Austria, there are two different models that vary mainly in how the money is paid out and how you pay it back.<\/span><\/p>\n<h3>Traditional student loan<\/h3>\n<p><span style=\"font-weight: 400;\">The traditional student loan is what most people think of first. You receive a fixed amount on a regular basis during your studies &#8211; usually monthly &#8211; to help cover ongoing expenses. After graduation, there\u2019s typically a grace period before repayment begins. But in Austria this traditional model is relatively rare.<\/span><\/p>\n<h3>Instalment loans<\/h3>\n<p><span style=\"font-weight: 400;\">The installment loan is the most common type of student loan in Austria. It\u2019s particularly good for one-time expenses during your studies. You receive the complete loan <\/span><b>at once<\/b><span style=\"font-weight: 400;\"> and start repaying the loan while you\u2019re still studying. Instalment loans are tied to additional requirements like a <\/span><b>minimum income<\/b><span style=\"font-weight: 400;\"> and active <\/span><b>employment<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So, if you need an additional monthly income to finish your studies comfortably, then a traditional student loan is perfect for you. An instalment loan works better for one-time acquisitions during your studies (e.g. moving into your own flat, buying a car).<\/span><\/p>\n<\/div><\/section>\n<div  class='hr av-67ddri-41246adb82eb20f9271331161b8c66cb hr-short  avia-builder-el-17  el_after_av_textblock  el_before_av_one_half  hr-left'><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<div class='flex_column_table av-6kn5ly-97d7b0311ea64352f2c5408ed97957c0 sc-av_one_half av-equal-height-column-flextable'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-6kn5ly-97d7b0311ea64352f2c5408ed97957c0\">\n.flex_column.av-6kn5ly-97d7b0311ea64352f2c5408ed97957c0{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 30px 0px;\n}\n<\/style>\n<div  class='flex_column av-6kn5ly-97d7b0311ea64352f2c5408ed97957c0 av_one_half  avia-builder-el-18  el_after_av_hr  el_before_av_one_half  first flex_column_table_cell av-equal-height-column av-align-middle  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-kwdh2d3p-096178e90d7af3ae8dbfdcee052baa81\">\n.avia-image-container.av-kwdh2d3p-096178e90d7af3ae8dbfdcee052baa81 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-kwdh2d3p-096178e90d7af3ae8dbfdcee052baa81 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-kwdh2d3p-096178e90d7af3ae8dbfdcee052baa81 av-styling- avia-align-center  avia-builder-el-19  avia-builder-el-no-sibling  av-small-hide av-mini-hide av-has-copyright av-copyright-always'   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-163134 avia-img-lazy-loading-not-163134 avia_image ' src=\"https:\/\/www.stuwo.at\/wp-content\/uploads\/2022\/04\/STUWO-Blog-Studenten-845x684.jpg\" alt='' title='STUWO Blog Studenten'  height=\"684\" width=\"845\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.stuwo.at\/wp-content\/uploads\/2022\/04\/STUWO-Blog-Studenten-845x684.jpg 845w, https:\/\/www.stuwo.at\/wp-content\/uploads\/2022\/04\/STUWO-Blog-Studenten-495x400.jpg 495w\" sizes=\"(max-width: 845px) 100vw, 845px\" \/><\/div><small class=\"avia-copyright\">With a student loan, you\u2019ll be financially secure during your studies! \u00a9Adobe Stock<\/small><\/div><\/div><\/div><div class='av-flex-placeholder'><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-6kn5ly-fc4e6371b44ac72833c714d4b6433deb\">\n.flex_column.av-6kn5ly-fc4e6371b44ac72833c714d4b6433deb{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 30px 0px;\n}\n<\/style>\n<div  class='flex_column av-6kn5ly-fc4e6371b44ac72833c714d4b6433deb av_one_half  avia-builder-el-20  el_after_av_one_half  el_before_av_hr  flex_column_table_cell av-equal-height-column av-align-middle  '     ><section  class='av_textblock_section av-60022e-c202918c0cd9b7c18a7986963f916743 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2 id=\"Requirements for student loans in Austria\">Requirements for student loans in Austria<\/h2>\n<p><span style=\"font-weight: 400;\">The requirements for a student loan can vary slightly depending on the type of loan, but in general, the following applies:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimum age: 18 years<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Maximum age: 30 years<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ongoing studies at an Austrian university (inscription)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Permanent residence in Austria (registration notice)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The traditional student loan is mainly aimed at students with little or no income. Since repayment usually only begins after graduation, a regular income is not required. However, your creditworthiness will still be checked, and in many cases a guarantor, like for example a parent, is required.<\/span><\/p>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mc838tde-db4692551447d85c17a9f8654aa4fd9b\">\n.avia-image-container.av-mc838tde-db4692551447d85c17a9f8654aa4fd9b img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-mc838tde-db4692551447d85c17a9f8654aa4fd9b .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-mc838tde-db4692551447d85c17a9f8654aa4fd9b av-styling- avia-align-center  avia-builder-el-22  el_after_av_textblock  avia-builder-el-last  av-desktop-hide av-medium-hide av-has-copyright av-copyright-always'   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-163134 avia-img-lazy-loading-not-163134 avia_image ' src=\"https:\/\/www.stuwo.at\/wp-content\/uploads\/2022\/04\/STUWO-Blog-Studenten-845x684.jpg\" alt='' title='STUWO Blog Studenten'  height=\"684\" width=\"845\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.stuwo.at\/wp-content\/uploads\/2022\/04\/STUWO-Blog-Studenten-845x684.jpg 845w, https:\/\/www.stuwo.at\/wp-content\/uploads\/2022\/04\/STUWO-Blog-Studenten-495x400.jpg 495w\" sizes=\"(max-width: 845px) 100vw, 845px\" \/><\/div><small class=\"avia-copyright\">With a student loan, you\u2019ll be financially secure during your studies! \u00a9Adobe Stock<\/small><\/div><\/div><\/p><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><div  class='hr av-67ddri-48eadd876d12e819a4be49c39417a84f hr-short  avia-builder-el-23  el_after_av_one_half  el_before_av_textblock  hr-left'><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-jy4ae4sq-822ea548e243705b250732725c9d147e '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2 id=\"Advantages &amp; Disadvantages of student loans\">Advantages &amp; Disadvantages of student loans<\/h2>\n<p>Student loans have many advantages for students, but there are also some disadvantages to keep in mind. Here are the most important aspects:<\/p>\n<\/div><\/section>\n<div class='avia-data-table-wrap av-6i5hpypy-ebb07e8297c534bbb2a54214d30042ee avia_responsive_table avia-table-1'><table  class='avia-table avia-data-table avia_pricing_default  avia-builder-el-25  el_after_av_textblock  el_before_av_hr '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Table\" ><tbody><tr class='avia-heading-row'><th class='avia-highlight-col'>Advantages<\/th><th class='avia-highlight-col'>Disadvantages<\/th><\/tr><tr class=''><td class='avia-highlight-col'>Independent of your and your parents&#8217; income<\/td><td class='avia-highlight-col'>Age limitations (18-30 years)<\/td><\/tr><tr class=''><td class='avia-highlight-col'>Independent of employment <\/td><td class='avia-highlight-col'>Proof of proper performance (periodical study updates)<\/td><\/tr><tr class=''><td class='avia-highlight-col'>Flexible design options <\/td><td class='avia-highlight-col'>Financial strain after finishing your studies<\/td><\/tr><tr class=''><td class='avia-highlight-col'>Paying off the loan only after you&#8217;ve finished your studies <\/td><td class='avia-highlight-col'>The bank is not obliged to continue their services if you do not prove sufficient study performance<\/td><\/tr><tr class=''><td class='avia-highlight-col'>Long loan terms (5-10 years)<\/td><td class='avia-highlight-col'><\/td><\/tr><tr class=''><td class='avia-highlight-col'>Monthly payments <\/td><td class='avia-highlight-col'><\/td><\/tr><tr class=''><td class='avia-highlight-col'>Adapted specifically to the needs of students<\/td><td class='avia-highlight-col'><\/td><\/tr><\/tbody><\/table><\/div><style type='text\/css'>.avia-table-1 td:nth-of-type(1):before { content: 'Advantages'; } .avia-table-1 td:nth-of-type(2):before { content: 'Disadvantages'; } <\/style>\n<div  class='hr av-67ddri-48eadd876d12e819a4be49c39417a84f hr-short  avia-builder-el-26  el_after_av_table  el_before_av_textblock  hr-left'><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-jy4ae4sq-822ea548e243705b250732725c9d147e '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2 id=\"Step-by-Step guide: applying for a student loan\">Step-by-Step guide: applying for a student loan<\/h2>\n<p>If you\u2019ve decided to apply for a student loan, we have compiled a list of clear instructions on what you have to do:<\/p>\n<ol>\n<li>Find <strong>service providers<\/strong> (e.g. W\u00fcstenrot Bausparkasse, sBausparkasse, Raiffeisen Bausparkasse)<\/li>\n<li>Compare <strong>offers<\/strong> (e.g. interest rates, repayment modalities, payment terms, etc.) and calculate <strong>different models <\/strong>(e.g. longer or shorter inactive period, higher instalments, etc.)<\/li>\n<li>Make an <strong>appointment<\/strong> with you bank or apply <strong>online<\/strong> for a student loan<\/li>\n<li>Print or upload necessary <strong>documents<\/strong> (e.g. proof of matriculation, record sheet, registration confirmation, etc.)<\/li>\n<\/ol>\n<\/div><\/section>\n<div  class='hr av-67ddri-48eadd876d12e819a4be49c39417a84f hr-short  avia-builder-el-28  el_after_av_textblock  el_before_av_textblock  hr-left'><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-jy4ae4sq-822ea548e243705b250732725c9d147e '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2 id=\"STUWO Bonus tips for your student loan\">STUWO Bonus tips for your student loan<\/h2>\n<p>It really makes a difference to compare different offers and loan terms. This way you can save a lot of money! There are many websites that compare providers and illustrate differences between offers, for example <a href=\"https:\/\/durchblicker.at\/kreditrechner?gclid=Cj0KCQjw_4-SBhCgARIsAAlegrWU1sHRKKPW7OprSl8qAWFwO9KdzI1G2QAXeXpyYO2-GlgmIApAz80aAtQYEALw_wcB\" target=\"_blank\" rel=\"noopener noreferrer\">durchblicker.at<\/a> or <a href=\"https:\/\/www.finanz.at\/kredit\/\" target=\"_blank\" rel=\"noopener noreferrer\">finanz.at<\/a>.<\/p>\n<ul>\n<li>Pay attention to <strong>interest rates<\/strong> and whether they are frozen for the complete loan term or variable.<\/li>\n<li>Think about how long the <strong>inactive period<\/strong> should be. The shorter, the lower the interest costs.<\/li>\n<li>The monthly <strong>instalments<\/strong> are also important. The higher the repayments, the lower the interest costs.<\/li>\n<li>If you are unsure which offer is the best, then you should definitely <strong>consult<\/strong> a bank adviser.<\/li>\n<\/ul>\n<\/div><\/section>\n<div  class='hr av-67ddri-d4a307f3b8690f3c4ddb071f06707e9f hr-short  avia-builder-el-30  el_after_av_textblock  el_before_av_textblock  hr-center'><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-jy4ae4sq-822ea548e243705b250732725c9d147e '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>If you require financial aid during your studies, a student loan can be helpful. Thanks to the flexible design options, you can adapt the loan to your individual living situation. You determine how high the monthly payments are and when you start to repay your loan. Oh and if you also need a student bank account, we\u2019ve got an <a href=\"https:\/\/www.stuwo.at\/en\/blog\/student-bank-account-comparison-of-best-options\/\">overview<\/a> here!<\/p>\n<p>This individual design allows you to influence the amount of money you have to pay back. However, we recommend handling your money wisely and use some of our tips on how to save money as a <a href=\"https:\/\/www.stuwo.at\/en\/blog\/how-to-save-money-as-a-student\/\">student<\/a>, when <a href=\"https:\/\/www.stuwo.at\/en\/blog\/save-money-while-cooking\/\">cooking<\/a> and <a href=\"https:\/\/www.stuwo.at\/en\/blog\/low-budget-travel-tips\/\">traveling<\/a> and <a href=\"https:\/\/www.stuwo.at\/en\/blog\/cheap-workout\/\">working out<\/a>!<\/p>\n<p>And please keep in mind that a student loan is not free money and you should not borrow a lot of money without consideration or good reason. Because sooner or later you have to pay back everything!<\/p>\n<\/div><\/section>\n<section  class='av_textblock_section av-mlodqq15-5068a537be5ff4735282f0f8c4413de0 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2>FAQs: All answers to student loans in Austria<\/h2>\n<\/div><\/section>\n<div  class='togglecontainer av-mlodu88f-ccd3220b47ce92d257502d74df683932  avia-builder-el-33  el_after_av_textblock  avia-builder-el-last  toggle_close_all' >\n<section class='av_toggle_section av-mlodrvmx-b9e6caba79936cae1578974cc15a8771'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-1' data-fake-id='#toggle-id-1' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-1' data-slide-speed=\"200\" data-title=\"What is a student loan?\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: What is a student loan?\" data-aria_expanded=\"Click to collapse: What is a student loan?\">What is a student loan?<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-1' aria-labelledby='toggle-toggle-id-1' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p><span style=\"font-weight: 400;\">A student loan is money you borrow to finance your studies \u2013 for example for tuition, rent, study materials, or living expenses.<\/span><\/p>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-mlodsk7n-71a51b7b16f60251184cc3d11acd2ae7'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-2' data-fake-id='#toggle-id-2' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-2' data-slide-speed=\"200\" data-title=\"How do student loans work?\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: How do student loans work?\" data-aria_expanded=\"Click to collapse: How do student loans work?\">How do student loans work?<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-2' aria-labelledby='toggle-toggle-id-2' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p><span style=\"font-weight: 400;\">Student loans work by receiving money from a bank and agreeing to pay it back later with interest. Depending on the model, repayment starts either during or after your studies.<\/span><\/p>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-mlodt5nz-a98ab6e4ffeed6ef8085718038525d8d'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-3' data-fake-id='#toggle-id-3' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-3' data-slide-speed=\"200\" data-title=\"How do student loans pay out?\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: How do student loans pay out?\" data-aria_expanded=\"Click to collapse: How do student loans pay out?\">How do student loans pay out?<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-3' aria-labelledby='toggle-toggle-id-3' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p><span style=\"font-weight: 400;\">Student loans are paid out either as monthly instalments (traditional model) or all at once (instalment loan).<\/span><\/p>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-mlodu714-a92b7be36d44ef996ebe6a7b7aaf8ca6'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-4' data-fake-id='#toggle-id-4' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-4' data-slide-speed=\"200\" data-title=\"What are the disadvantages of having a student loan?\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: What are the disadvantages of having a student loan?\" data-aria_expanded=\"Click to collapse: What are the disadvantages of having a student loan?\">What are the disadvantages of having a student loan?<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-4' aria-labelledby='toggle-toggle-id-4' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p><span style=\"font-weight: 400;\">The biggest disadvantage of a student loan is that you are graduating with debt, you have to pay interest, and repayment can be a financial burden \u2013 especially if your income is low after finishing your studies.<\/span><\/p>\n<\/div><\/div><\/div><\/section>\n<\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" 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#wrap_all .av-special-heading.av-av_heading-304d0b6b2d8f2aa63bee36f6e42e4d77 .av-special-heading-tag{\nfont-size:40px;\n}\n.av-special-heading.av-av_heading-304d0b6b2d8f2aa63bee36f6e42e4d77 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-av_heading-304d0b6b2d8f2aa63bee36f6e42e4d77 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-av_heading-304d0b6b2d8f2aa63bee36f6e42e4d77 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-av_heading-304d0b6b2d8f2aa63bee36f6e42e4d77 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-304d0b6b2d8f2aa63bee36f6e42e4d77 av-special-heading-h5 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-36  el_before_av_textblock  avia-builder-el-first  av-inherit-size'><h5 class='av-special-heading-tag '  itemprop=\"headline\"  >Questions?<\/h5><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jtkaj00e-393a01982a5afe12922a256a26134273\">\n#top .av_textblock_section.av-jtkaj00e-393a01982a5afe12922a256a26134273 .avia_textblock{\nfont-size:18px;\ncolor:#ffffff;\n}\n<\/style>\n<section  class='av_textblock_section av-jtkaj00e-393a01982a5afe12922a256a26134273 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock av_inherit_color'  itemprop=\"text\" ><p style=\"text-align: center;\">We are happy to help!<\/p>\n<\/div><\/section><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ddnct-5808f882b4da4842ba9b215ef4df32b5\">\n.flex_column.av-ddnct-5808f882b4da4842ba9b215ef4df32b5{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-ddnct-5808f882b4da4842ba9b215ef4df32b5 av_one_half  avia-builder-el-38  el_after_av_one_full  el_before_av_one_half  first flex_column_div av-zero-column-padding  column-top-margin'     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jvnrncc6-754a1f6f0e984e58cce13dd04c03ae02\">\n.iconbox.av-jvnrncc6-754a1f6f0e984e58cce13dd04c03ae02 .iconbox_icon{\nborder:1px solid #ffffff;\ncolor:#ffffff;\n}\n#top #wrap_all .iconbox.av-jvnrncc6-754a1f6f0e984e58cce13dd04c03ae02 .iconbox_content_title{\ncolor:#ffffff;\n}\n.iconbox.av-jvnrncc6-754a1f6f0e984e58cce13dd04c03ae02 .iconbox_content_container{\ncolor:#ffffff;\n}\n<\/style>\n<article  class='iconbox iconbox_top av-jvnrncc6-754a1f6f0e984e58cce13dd04c03ae02 av-no-box  avia-builder-el-39  avia-builder-el-no-sibling '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div 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