inburgeren-betalen.png

Paying for your integration

Integration costs money. You have to pay for the course and the exams. You can only borrow money from DUO if you follow a course at an approved school. You will find a list of approved schools on the Blik op Werk site.

How much does integration cost?

hoeveel-geld-kost-inburgeren.png

The exams cost € 350.00 in total. The cost of the course may differ.

How much do the integration exams cost?

Exam Cost
Writing € 50,-
Speaking € 60,-
Listening € 50,-
Reading € 50,-
Knowledge of Dutch Society (Kennis Nederlandse Maatschappij) € 40,-
Orientation on the Dutch Labour Market € 100,-
Total
€ 350,-

How much does the integration course cost?

The cost of an integration course differs per school. You can ask the school how much the course costs.

How do you pay for it?

You can choose to pay for the course and the exams yourself. But you can also choose to borrow money from DUO.

Borrowing money from DUO

lenen-bij-duo.png

You can borrow money from DUO. If you do, DUO will pay for the course and/or the exams. You will have to pay back the money later in instalments. This means that you pay back a certain amount each month.

No payback for asylum migrants

Are you an asylum migrant? Or are you the father, mother or child of an asylum migrant? Then you can borrow money from DUO. If you receive your integration diploma in time, you do not have to pay back the loan. You received a letter from DUO saying that you have to integrate. This letter also says how much time you have to integrate.

Can you borrow money?

Most people who integrate, can borrow money from DUO. But not if their income is too high.

Almost anybody can borrow

Almost anybody who wants to integrate can borrow money. Including citizens from EU/EER countries, Turkey or Switzerland. But only if their income is not too high.

No obligation to integrate

What if you don’t have to integrate, but you want to anyway? For instance, because you want to become a Dutch citizen? If so, you can borrow money for your integration. But only if your income is not too high.

Asking for a loan

There are 2 ways to ask for a loan. Please choose one:

1 Log into My Integration (Dutch only) on the internet

You can ask for a loan online.

2 Using a form

Download the form below. Follow the instructions on the form.

Aanvraag lening (opent in nieuw venster) (110Kb, pdf)

Borrowing for course and exams

Borrowing money? DUO will pay for you. You will not receive any money in your bank account.

Borrowing for the course

Do you want to use the loan for an integration course? Please follow the steps below:

  • The school will send the bill to DUO.
  • You will get an email that there is a bill waiting in My Integration. Make sure that DUO has your email address. You can tell us your email address in My Integration.
  • You log into My Integration and check if the bill is correct.
  • Is the bill correct? Please choose “approve” (“accepteren”). DUO will pay the money to the school.
  • Is the bill incorrect? Please choose “reject” (“weigeren”). Then choose why the bill is incorrect. For example because the amount is not right. DUO will not pay the money to the school.

You will not receive any money in your bank account.

You got a bill on paper

Sometimes the school will still send you a bill on paper. For example, if the school cannot send the bill to DUO. Or, if you didn’t approve the bill in My Integration. If so, send the bill to DUO through the post. Send both pages of the original bill, not a copy. Write your citizen service number (burgerservicenummer) and your signature on the bill. Please send the bill to:

DUO Integration Service Centre
PO Box 764
9700 AT Groningen

DUO will pay the money to the school.

Did you finish your integration? And do you still have bills left? You have to send these bills to DUO within 4 months.

Borrowing for exams

Do you want to use the loan for your exams? You can register for integration exams through My Integration or by using a form. Either way, you can indicate that you want to use your loan to pay for the exam. If you do, DUO will pay for the exam. You will not receive any money in your bank account.

Are you taking the NT2-exam? Send the bill for the exam to DUO through the post. Send both pages of the original bill, not a copy. Write your citizen service number (burgerservicenummer) and your signature on the bill. Please send the bill to:

DUO Integration Service Centre
PO Box 764
9700 AT Groningen

DUO will pay the bill. You will not receive any money in your bank account.

How much can you borrow?

If you ask for a loan, you will get a letter. The letter says how much you can borrow.

Maximum loan

Anybody who has to integrate, can borrow up to € 10,000.00. You can borrow as long as you have to integrate. Please send us the bills as soon as possible.

You are integrating, but you don’t have to? If so, the loan stops 3 years after you have registered with a Dutch municipality (city or town). It doesn’t matter when you first asked for the loan.

Income and borrowing

Asylum migrants can always borrow € 10,000. It does not matter what their income is. How much other migrants can borrow, depends on their income. Are you not an asylum migrant? The more money you earn, the less money you can borrow.

Calculate your maximum loan

Find out how much money you can borrow. The calculation help below will give you an indication.

What can you borrow for?

You can borrow money for the following courses and exams:

  • A literacy course. The school must be listed on the Blik op Werk site.
  • An integration course. The school must be listed on the Blik op Werk site.
  • The integration exams.
  • The course for the State exam Dutch as a Second Language  (staatsexamen NT2). The school must be listed on the Blik op Werk site.
  • The State Exam Dutch as a Second Language  (staatsexamen NT2)

Repayment

terugbetalen-of-niet.png

You have to pay back the money to DUO, but not all at once. Each month, you pay back part of the loan.

Asylum migrants

You don’t have to pay back your loan if:

  • you are an asylum migrant or a the father, mother or child of an asylum migrant, and
  • you received your integration diploma in time.

You received a letter from DUO saying that you had to integrate. This letter also said how much time you had to integrate.

Interest

You have to pay back the loan with interest. The interest rate will stay the same for 5 years. From 2017 the interest is 0.00%.

10 years to pay back your loan

You have 10 years to pay back your loan. Each month, DUO collects a certain amount from your bank account. You start paying back 6 months after finishing your integration. You will get a letter from DUO first.

Paying back more

You can pay back your whole loan at once. Or you can start repayments earlier, or pay extra. You can do so by transferring the money to DUO. The IBAN account number for DUO is NL74 INGB 0705 0034 18. Always mention your citizen service number (burgerservicenummer) and "repaying loan" in the comments section.

Incorrect IBAN account number

Does DUO not have your correct IBAN account number? If so, you have to send us a letter with the correct IBAN account number. Mention your citizen service number (burgerservicenummer) and sign the letter. Or use the form below instead of sending a letter.

Wijziging rekeningnummer (opent in nieuw venster) (96Kb, pdf)

Paying back less

DUO calculates how much you have to pay back each month. Do you want to pay back less? Sometimes you can. For example, if you lose your job. Or, if your income has suddenly dropped. Please use the form below to ask for lower monthly repayments. DUO will decide if you can pay back less. And what the new amount will be.

Verzoek verlagen maandbedrag schuld 2017 (opent in nieuw venster) (187Kb, pdf)

Formulier voor verzoek verlagen maandbedrag schuld 2018 (opent in nieuw venster) (187Kb, pdf)

Example

Khalid starts his integration on 1 September 2014. He passes the integration exams in June 2015. He pays back his loan in the course of 10 years. Khalid has to start paying back his loan in January 2016. This is 6 months after finishing his integration.

Description Amount
Cost for Khalid's course
€ 2000,-
Cost for exam
€ 350,-
Interest (estimated)
€ 2,-
Total loan
€ 2352,-

From January 2016, DUO will collect about € 20.00 from Khalid’s bank account each month.

Letter about payback

You will get a letter from DUO when you are due to pay back the loan. The letter says how much you have to pay back each month.