Paying back a loan
When you have to pay back your loan, you will get a letter. The letter says how much you have to pay back.
How paying back works
You start paying back your loan 6 months after you complete your integration.
- You don’t have to pay the loan back all at once.
- You have 10 years to pay back the loan.
- You also pay interest. The interest rate stays the same for 5 years. Check Mijn Inburgering to see what interest rate applies to your loan.
- You repay your loan in monthly instalments.
- DUO collects the money from your bank account each month.
If you want DUO to use another bank account number, then use the form 'Wijziging rekeningnummer.'
You must provide DUO with your foreign address yourself. Please use the 'Doorgeven buitenlands adres' form.
Paying back more
You can pay back your entire loan at once. Or you can start repayments earlier, or pay extra.
- Transfer the money to DUO. The IBAN account number is NL74 INGB 0705 0034 18.
- When making this payment, add the words ‘terugbetalen lening’ (loan repayment) and your Citizen Service Number (BSN).
Do you want to pay less per month? Sometimes you can. For instance if you are suddenly making less money.
- Complete the ‘Verzoek verlagen maandbedrag schuld inburgeren’ form (Request for reduction of monthly amount).
- The form says what papers you need to include. These are the supporting documents.
- Send the form with the supporting documents to DUO.
- DUO decides whether you can pay less each month. We will let you know within 8 weeks.
Not paying back
Did you start civic integration between 1 January 2013 and 1 January 2022? And are you an asylum migrant or are you a parent or child of an asylum migrant? 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 full dispensation in time.
- You are awarded a full exemption in time.
You have to pay back your loan, because you did not obtain your diploma in time.
Do you succeed within 6 months from that moment? Then maybe you will not have to pay back your whole loan.
- Your integration term started between 1 January 2013 and 1 January 2022.
- You are an asylum migrant or your partner, parent or child is.
- After your integration term you took 1 or 2 exams and there may also be special circumstances.
- After your integration term you succeeded in obtaining your integration diploma within 6 months and there may also be special circumstances.
The table shows how DUO determines what you do not have to pay back.
|0-3 months late||3-6months late|
|late for 1 exam||90% of debt cancelled||60% of debt cancelled|
|late for 2 exams||70% of debt cancelled||40% of debt cancelled|
Are there any special circumstances due to which you cannot meet the terms for partial cancellation of your debt?
- You did not obtain your diploma within 6 months after your integration term expired?
- Did you still have to do more than 2 exams after your integration term expired?