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Fund your studies at NABA with Habacus
Studying at NABA is an investment in your future. To make it more accessible to deserving students, the Academy has partnered with Habacus, a company specialised in supporting applications for government-backed student loans.
Thanks to this partnership, students with tax residence in Italy can finance their education through a government-backed student loan: a loan that does not require a guarantor, payslip or family guarantee. Repayment begins only after the end of the study programme, when students are ready to enter the world of work.
Habacus supports students throughout every stage of the application process: it compares offers from partner banks, verifies the requirements and manages the entire procedure through to disbursement. The support service is completely free of charge for students and is available via chat, e-mail and phone.
What is a government-backed student loan and how does it work?
A student loan of this kind is a funding solution designed for students enrolled on an accredited programme. Unlike a traditional loan, it does not require guarantors or an assessment of family income: the risk for the credit institution iscovered by the public guarantee provided by the Italian State.
Within this framework, Habacus acts as a facilitator between the student and the credit institutions: it verifies that the requirements are met, identifies the most suitable offers and follows the application process, so that students have a single point of contact throughout the procedure and do not need to approach several banks directly.
The loan works in a simple way: the amount is disbursed by the bank to cover the course tuition fee, and repayment is deferred until the end of the academic programme. It is a tool that makes it possible to spread the cost of educationover time, supporting deserving students in particular who, without their own income, would otherwise have limited access to credit.
The loan is disbursed on an annual basis and is renewable for subsequent years, provided that the student continues regularly with their studies.
The loan is reserved for students with tax residence in Italy who are enrolled on an accredited programme at NABA. Access is based on academic merit, with different requirements depending on the level of study:
- Bachelor of Arts Degree programmes: upper secondary school diploma grade equal to or higher than 75/100
- Academic Master and Master of Arts programmes: Bachelor’s Degree grade equal to or higher than 100/110
Habacus verifies that these requirements are met during the application stage. The final decision on disbursement, however, lies with the bank, which assesses the applicant’s academic pathway. Receiving a scholarship does not preventstudents from applying for the loan: the two forms of support can be combined.
Student Loan Amounts and Repayment Duration
The loan covers the annual course tuition fee and is disbursed in a single tranche for each academic year. The amounts available vary according to the chosen programme:
- Bachelor of Arts Degree programme, up to 3 years: up to €15,000 per year
- Bachelor of Arts Degree and Master of Arts programmes: up to €10,000 per year
The minimum amount that can be requested is €3,000 per year.
From the second year onwards, renewal of the loan is linked to the achievement of at least 50% of the required academic credits for the previous year. In this way, disbursement follows the student’s regular academic progress, and the loan supports them for the full duration of the course.
Student Loan Repayment Terms and Timing
No instalments are due during the years of study. Repayment of the student loan begins after the completion of the academic programme, with a period that may extend up to 30 months between the final disbursement and the first repayment instalment.
This interval gives students time to complete their studies and begin their career before payments start.
How to Apply for the Student Loan and Why Choose Habacus
How to apply for the student loan: Habacus simulator and support
Through the portal dedicated to NABA students, Habacus provides an online simulator to obtain a personalised estimate based on the chosen course, with no obligation. Through the same portal, students can check the loans available, compare the conditions offered by partner banks, simulate the repayment plan and submit the application with the support of a Habacus consultant.
Choosing Habacus means having a single point of contact for the entire student loan process, with a number of concrete advantages:
- Loan backed by the Italian State, with no need for a guarantor, payslip or family asset assessment;
- No cost for the student for the support service;
- Deferred repayment after the end of the studies, with a period that may extend up to 30 months between the final disbursement and the first repayment instalment;
- Annual renewal linked to the regular achievement of the required academic credits;
- A single point of contact managing the comparison between banks and the entire application process.