I live abroad. When do I have to start repaying my student loans to DUO?

You do not have to repay your student loans immediately after you have ended your studies, but you may do so if you wish. You have a grace period of two years, starting on 1 January following the year in which your student finance stopped. In this period, you do not have to repay your loans. After this grace period, you will be obliged to make repayments.

Repaying student loans

Repaying student loans in full, or making extra repayments

You can repay your student loans before you are obliged to. This will mean making repayments earlier. And you can always make extra repayments during the repayment period.

There may be advantages to reducing your debt faster in this way:

  • You will pay less interest.
  • Your monthly repayments will be lower during the repayment period. 
  • You will be finished repaying your loans earlier.

Find out how to repay your student loans if you live abroad

Repaying student loans in full

If you wish, you may repay the full amount of all your student loans at once. There is no fine for doing this. But you will need to know the total amount that you owe. If you are already repaying your loans or will start next year, find out how to see your student loan balance.


If you have any questions, please do not hesitate to contact us.

Also useful

Find out more about the interest on your student loans (DUO)