Debt cancellation

You do not always need to pay back your loan. Sometimes you do not have to pay back anything. And sometimes you do not have to pay back part of your loan. This is called a partial cancellation.

Not paying back

Are you required to integrate under the Wet inburgering 2013 (2013 integration law)? And are you an asylum status holder, or is your parent or child an asylum status holder? Then you don't have to pay back the loan if one of these 3 situations applies:

  • You obtain your diploma in time.
  • You are awarded a in time.
  • You are awarded a in time.

Partial cancellation

You have to pay back your loan if you did not meet the integration requirement in time. Do you meet the requirement within 6 months after your integration period? Then you will not have to pay back part of your loan. This is called a partial cancellation.

Conditions partial cancellation

  • You are required to integrate under the Wet inburgering 2013 (2013 integration law).
  • You are an asylum status holder, or your partner, parent or child is an asylum status holder.
  • When your integration period ended, you had failed to pass no more than 2 components of the integration exam.

And:

  • You passed these components within 6 months, thus meeting your obligation to integrate, or
  • You have met your obligation to integrate within 6 months by receiving a dispensation because of demonstrable effort (AGI), or
  • You have received Dutch citizenship or reached the required age for a Dutch state pension (AOW) Link opent externe pagina (link in Dutch) within 6 months.

Dispensation based on learnability test or exemption

Did you get dispensation from the requirement to integrate based on the learnability test Link opent externe pagina (“leerbaarheidstoets”)? Or are you exempt from integrating? If so, the following conditions apply:

  • You are required to integrate under the Wet inburgering 2013 (2013 integration law).
  • You are an asylum status holder, or your partner, parent or child is an asylum status holder.

And:

  • You have met the integration requirement within 6 months by means of a dispensation based on the learnability test, or
  • You have received an exemption from the integration requirement within 6 months.

Amount partial cancellation

The table shows how DUO determines the amount of the partial cancellation.

Calculation partial cancellation
Number of exams passed late 0-3 months late 3-6 months late
1 exam late 90% cancellation 60% cancellation
2 exams late 70% cancellation 40% cancellation

Apply for partial cancellation

  1. Complete the “Aanvraag gedeeltelijke kwijtschelding” form.
  2. If there were any special circumstances, enter the period and add supporting documents.
  3. Send the form and any supporting documents to DUO.
  4. DUO decides if you get a partial cancellation. You will receive notice within 12 weeks.

Special circumstances

Were there any special circumstances during the 6 months after your integration period? And did these circumstances prevent you from meeting the conditions for a partial cancellation? If so, inform DUO of the special circumstances. Check the table for the supporting documents you need to send with the form.

What happened? Send the following supporting documents:
You had a baby. Copy of the birth certificate
You were in a “Blijf-van-mijn-lijfhuis” (shelter for abused women) or a different type of shelter. You stayed there for more than 3 months. Letters from the shelter stating the period of your stay there
Your partner, child or parent died. Dutch death certificate or a Dutch translation of a foreign death certificate. The certificate must be translated by a sworn translator.
You could not take any exams because the exam locations were closed due to the lockdown. Explain the situation at question 2.3 on the form
There were several special circumstances. Combined they lasted for longer than 3 months without interruption. (Official) documents stating the period of the circumstances
You could not follow any lessons due to problems with the school. Contract from the school
You were ill for longer than 3 months. Medical authorisation (130Kb, pdf)

If your situation is not mentioned, describe it at question 2.3 on the form. Enclose supporting documents.