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Student loan — repayment deferment

To study now,
and repay later.

From €1,000 to €30,000, over 12 to 120 months. Fixed APR from 1.90%, with full deferment until the end of studies.

1.90 %

Min. fixed APR

€0

Origination fees

14 d

Legal cooling-off

Student loan simulator

Desired amount

Term

2 months400 months

Purpose (optional)

Monthly payment /month

APR Total cost of credit Total amount due

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Representative example. A loan is a binding commitment that must be repaid. Check your ability to repay before signing.

Why Calp

Four simple commitments, contractually upheld.

Preferential fixed APR

Rate dedicated to students, set for the entire term of the contract, including deferment.

No origination fees

No application fees. No surety required if a family guarantor is provided.

Decision within 48 hours

Decision within 48 business hours with a guarantor. Without a guarantor: review within 5 days.

Repayment deferment

Full deferment available up to 36 months (study duration). Repayment starts after graduation.

Detailed terms

Studies funded,
manageable debt.

Minimum amount€1,000
Maximum amount€30,000
Minimum term12 months
Maximum term120 months
Supporting documentEnrolment certificate
Origination fees€0
Borrower insuranceOptional
Disbursement of fundsMonthly or quarterly
Early repaymentNo penalty
GuaranteeFamily or personal surety

Indicative fixed APR scale

Excluding optional insurance. Updated 12 May 2026.

Borrowed amount	Term	APR
€1,000 — €5,000	24 months	2.40%
€5,000 — €10,000	60 months	2.10%
€10,000 — €20,000	84 months	1.90%
€20,000 — €30,000	96 months	1.90%
€20,000 — €30,000	120 months	2.10%
Studies abroad	120 months	1.90%

Representative example: for a student loan of €15,000 over 84 months at a fixed APR of 1.90% (after 36 months of deferment), you repay 84 monthly payments of €191.18. Total cost of credit: €1,059.

Why choose Calp for your student loan

Four commitments to fund your studies stress-free

A student loan is likely your first credit: it must be readable, modular and adapted to the absence of income during studies. Calp offers a simple formula, designed with former students who became credit analysts.

Total or partial deferment

You can choose total deferment (nothing to repay during studies, neither principal nor interest) or partial deferment (only interest during studies). The deferment period can last up to 7 years, adjusted to your actual study duration.

Attractive fixed APR

The fixed APR is calculated once and for all at signing. It remains identical during the deferment phase and the effective repayment phase. No increase at the end of studies, no revision if market rates rise.

Modulation after studies

Once in working life, you can increase monthly payments to repay faster, or decrease them in case of transitional periods (unemployment, return to study, parental leave). Modulation twice a year, free of charge.

Calp guarantee included

For students without co-borrower or family guarantor, Calp offers an internal guarantee at no extra cost. This guarantee replaces parental commitment and allows autonomous students to access credit without depending on their relatives.

Eligibility criteria

Who can apply for a Calp student loan?

The Calp student loan is for anyone aged 16 to 30, enrolled in a recognized higher education institution in Europe or in a school leading to a professional qualification. The main criterion is the seriousness of the study project, not current income.

Age at subscription16 to 30
ResidenceEU, EEA, Switzerland, UK
Personal incomeNo minimum required
StatusEnrolled student, apprentice or trainee
Co-borrowerOptional — Calp guarantee available
Proof of enrolmentCurrent academic year enrolment certificate

Documents to submit with your application

PDF upload from your application area. Decision within 5 business days. The loan can be subscribed up to 6 months before the academic year starts.

ID and proof of address
ID card, passport or residence permit. Proof of address less than 3 months old (student housing, parental residence with hosting certificate, personal rental).
Enrolment certificate or admission letter
Final or conditional enrolment in a recognized institution: university, business school, engineering school, vocational diploma, apprenticeship, doctorate, year abroad. Pre-registration is enough to start the application.
Study project details and budget
Course description, expected duration, tuition fees, housing, transport, IT equipment, abroad internship costs, international mobility. The budget helps calibrate the requested amount.
Borrower's or co-borrower's documents
If you have a co-borrower (parent, spouse, guardian): last three pay slips, last two tax notices. If you opt for the Calp guarantee, these documents are not required.
IBAN for the student account
IBAN of the personal account that will receive funds. If you do not yet have a personal bank account, opening can be arranged with a Calp partner alongside processing.

Typical use cases

What is the Calp student loan used for?

The Calp student loan funds the entire higher education journey, including often forgotten ancillary costs. Below are the four most frequent uses observed in 2025.

Business or engineering school

High tuition fees (EUR 10,000 to EUR 18,000 per year), housing, mandatory international mobility. Average amount EUR 38,000, average term 84 months after deferment. 41% of files.

Long university studies

Medicine, pharmacy, doctorate, specialized master: 5 to 10 years of study. The loan covers rent, textbooks, IT equipment and exam fees. Average amount EUR 22,000, term 72 months.

Year of study abroad

Erasmus, university exchange, master abroad, summer school. Covers the cost gap, flights, insurance, installation. Average amount EUR 14,000, term 60 months.

Apprenticeship or work-study

Housing costs far from company and school, purchase of professional equipment (computer, tools, work clothes), advance on first salaries. Average amount EUR 8,500, term 48 months. 12% of files.

Frequently asked questions

Your questions, our answers.

What is full deferment?

During the study period, no monthly payments are taken. Repayment (principal and interest) starts after graduation.

Is a guarantor required?

Family surety is recommended for amounts over €5,000. Without a guarantor: in-depth review with documentation of future income (work-study, internship).

Are studies abroad covered?

Yes, tuition fees, housing and daily expenses can be financed. Proof of admission is required.

What happens if I drop out of my studies?

The loan switches to immediate amortisation with adjusted terms. Personalised review, no penalty.

What is the rate for a student with no income?

The fixed APR for a Calp student loan starts at 1.90% and varies with the amount borrowed, total term (deferment + effective repayment) and profile (study field, guarantee type). Lack of personal income does not penalize the rate: the durability of the study project and the professional outlet matter more.

Is there a repayment deferment?

Yes, two types of deferment are available. Total deferment: no repayment (principal nor interest) for the entire study duration, interest is added to capital. Partial deferment: only interest is repaid during studies, principal starts at the end. The deferment can last up to 7 years.

Is a co-borrower required?

No. If you have no parent or relative able to be a co-borrower, Calp offers an internal guarantee at no extra cost. The Calp guarantee covers the risk of non-repayment during deferment and effective repayment, and allows the student to subscribe fully autonomously.

Study now,
repay later.

No financial pressure during your studies, no compulsory additional product.

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To study now, and repay later.