Go to tio.nl/student-finance for up-to-date information on bachelor student finance amounts.

Go to www.duo.nl for more information about student finance. If you have any specific questions about student finance, you can schedule an appointment at one of DUO’s service desks or call +31 (0)50 - 599 77 55.

You can apply for student finance via www.duo.nl – Mijn DUO. Make sure to do so at least two months before the start of your programme. Before you can apply for student finance, you will need a DigiD. Request a DigiD and use the DigiD app. After submitting your request, you will receive a letter with login details within five working days.
PLEASE NOTE: If you have not yet received your (Dutch) bachelor’s degree from a university of applied sciences, you cannot yet apply for student finance for your master’s degree. You can only do so once your degree has been registered with DUO.

Tuition fee loan

In addition to the “standard” loan, you can also apply for a loan from DUO with which to pay your tuition fee. This loan is part of the student finance and is known as a tuition fee loan. Like the rest of the student finance, the tuition fee loan is paid out every month. After your study, you pay back the amount you loaned (with interest) under the same excellent conditions as the other loans DUO offers.

Log in to Mijn DUO to apply for the (increased) tuition fee loan. There, you can apply for student finance for the first time or request to be eligible for a tuition fee loan. You can also indicate that you want to be eligible for a increased tuition fee loan (institutional tuition fee).

Applying for student finance: step-by-step explanation

Below, we will explain exactly how to apply for a tuition fee loan. This example concerns a student who applies for the full student grant and wants to be eligible for an increased tuition fee loan per 1 August.

Step 1: Check your details

Step 2a: Tio programme unkown

• If your registration appears in the Register/ROD, you will be given the option to check your Tio programme. You will then no longer need to enter your Tio programme yourself. If your Tio programme is not listed, please follow the steps below:
  
• In which country will you be studying? Select ‘Nederland’ here.
• Under Onderwijssoort select 'Hbo of universiteit'. And under ‘Vorm’, select 'Voltijd (=Full-time) or ‘Deeltijd (=Part-time). Our bachelor’s programmes are offered as full-time programmes. Only the MBA is available as both a full-time and a part-time programme.
  On the next screen, you will need to specify which type of programme (level) you will be enrolled in: Associate degree, Bachelor’s degree or Postgraduate Master’s degree (=MBA).
• Always adjust the start date! For students starting in mid-August, this is 1 August, and for students starting in January, it is 1 January.
  
• Check the details:
  

Step 2b: Tio programme known

• The start date shown here has been submitted by Tio to DUO. You should therefore always select the top option:
  
• Check the details:
  

Step 3: Components of student finance

• Select ‘Yes’ if the following applies to you:
• Will you carry on living at home or are you going to move into student accommodation?
• You are now going to apply for the various components of student finance:
  
• Basic grant
  
• Supplementary grant, you should also check the parents’ details.
  
• Interest-bearing loan
  
• Select the option to have the loan amount increase automatically if the maximum loan amount rises (=yes):
  
• As you are paying institutional tuition fees, you should enter the Tio tuition fees under ‘Amount to be paid’. Only then will you may receive the increased tuition fees loan. 
  
• Here too, select the option to have the loan amount increase automatically if the maximum loan amount rises (=yes):
  
• To be awarded the increased tuition fees loan, you must upload supporting documentation. You can do this straight away or within 6 weeks of submitting your application.
  
  You can request this document, also known as the ‘tuition fee statement’, using your Tio email address via proofofregistration@tio.nl. This must be a blank email with no subject line. The tuition fee statement will then be sent automatically to your Tio email address within 5 minutes. You must still enter your BSN number on this statement; otherwise, it will not be valid. You can then upload it via ‘My DUO’ to be eligible for the increased tuition fees loandit.
• You can now see a overview of the products you have applied for. If the calculation of the supplementary grant results in a surplus, this will reduce the interest-bearing loan, not the total amount. The amount in the example below is fictitious.
  

Step 4: Student travel product

• Apply for the student travel product here:
  
• Choose your subscription:
  

Step 5: Provide your bank account number

Step 6: Check your details

If you are already receiving student finance, you can change your bachelor programme details (per 1 August 2025) by logging in to 'Mijn DUO'. You need to enter the information listed below regarding the Tio campus, the start date of your Tio programme, the end date of your current study programme and the name of the programme (fulltime) when filling out the change request form. If you have received student finance in the past, make sure to ask about the conditions of the performance loan that apply to you!

• For “education level,” choose “university of applied sciences or university.”
• Select the town of your Tio campus.
• For institute, choose “Tio University of Applied Sciences.”
• For study programme, choose bachelor = ’B <name of your programme>’, associate degree = ’Ad <name of your programme>’ or post-initial master = ’M <name of your programme>'.
• For type of education, choose “fulltime.”
• For starting date, choose “other” and the date "1 August 2025". 

If your parents’ collective annual income is less than €80,000, you are eligible to receive a supplementary grant (partially) as a gift. The exact amount depends on your parents’ income. If this is less than € 30,000, you will receive the maximum amount. After earning your degree (within ten years), the supplementary grant will be turned into a gift. If you are not eligible to receive (the full amount of) this supplementary grant, you can loan the remainder.

You will start paying back the interest-bearing loan circa two years after completing your study. The maximum period during which you have to pay back the loan is 35 years, depending on your income (and that of your partner, if you have one). If you earn less than minimum wage, you will not have to pay back the loan. Furthermore, you will never have to pay back more than 4% of the extra income you earn above minimum wage. You only repay if your carrying capacity exceeds €5 per month. If it is lower, you do not have to repay yet. If you have any outstanding debt after 35 years, it will be waived.

The public transportation card is part of your student finance. If you apply for student finance and a public transportation card, you can purchase an OV chip card via ov-chipkaart.nl. As a new student, you will automatically receive instructions regarding how to submit your OV chip card number to the OV chip card customer service department after registering with DUO. The student travel product will then be available for your OV chip card at any download unit. Once your student finance eligibility period begins, you can travel with the student travel product. If you already have a personal OV chip card, you can download your student travel product on it. Go to www.studentenreisproduct.nl/ for more information.

We recommend choosing a weekday subscription because of the many Tio activities that are hosted on weekdays. Additionally, several mandatory events are held off school grounds. With a weekday subscription, you will receive a discount when you travel during the weekend.

Checking in and out
On public transport, it is possible to check in and out with a debit card, credit card or smartphone that allows contactless payment on trains. However, nothing will change for students with a student travel product. They can continue to use their student travel product on their OV-chipkaart. We advise students not to hold their wallet or phone case containing their debit card and OV-chipkaart against the card reader. Unintentionally, the card reader may then scan the debit card, which does not have the student travel product on it.

If you are doing an internship abroad, you can receive compensation for your public transportation costs from DUO. Before you leave, you must cancel your student travel product at a download unit. Go to duo.nl for more information.

Your student finance is a loan, which you have to pay back after your study. The applicable conditions are excellent. Only the public transportation card and the supplementary grant (depending on your parents’ income) may be turned into a gift. In that case, you must earn your degree within ten years after your first monthly student finance payment.

If you fail to earn a bachelor degree within ten years, the amount you loaned from DUO (including the public transportation card) will be turned into a loan.