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.
Incorrect bank account number

If you want DUO to use another bank account number, then use the form 'Wijziging rekeningnummer.'

Moving abroad

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.

  • Use the contact form to notify us that you want to pay extra or pay your entire loan at once.
  • You will receive an email with the number to use with your payment.
  • Transfer the money to DUO yourself. DUO's account number is NL74 INGB 0705 0034 18.
  • Mention the number from the email and "Terugbetalen lening" with your payment.

Paying back less

Do you want to pay back 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 back 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 or are you a parent or child of 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 full dispensation in time.
  • You are awarded a full exemption in time.
Partial cancellation

You have to pay back your loan, because you did not obtain your diploma in time.

Do you obtain your diploma within 6 months? Then maybe you will not have to pay back part of your loan. This is called a partial cancellation.

Conditions are:

  • Your integration term started between 1 January 2013 and 1 January 2022.
  • You are an asylum status holder or your partner, parent or child is.
  • When your integration period ended, you had failed to pass no more than 2 components of the integration exam.

And

Did you receive a dispensation based on the results of your test (the 'Leerbaarheidstoets')? Or are you exempt from integrating? If so, the following conditions apply:

  • Your integration term started between 1 January 2013 and 1 January 2022.
  • You are an asylum status holder or your partner, parent or child is.

And:

  • You have met your obligation to integrate within 6 months by receiving a dispensation based on the results of the test, or
  • You were exempt from the requirement to integrate within 6 months.

The table shows how DUO determines what you do not have to pay back.


0-3 months late 3-6 months 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

Were there any special circumstances during these 6 months that prevented you from meeting the terms for partial cancellation of your debt?

Let DUO know what the special circumstances are. Send supporting documents with the form.

DUO will then assess whether you still get a partial cancellation.

Apply

  1. Fill in the form 'Aanvraag gedeeltelijke kwijtschelding'.
  2. Are you claiming special circumstances? Fill out the period and enclose supporting documents.
  3. Send the form and any supporting documents by post to DUO.
  4. DUO will decide whether you will be granted a partial candellation of your debt. You will be informed within 12 weeks.