Student loan since 1 July 2001
If you don't pay your annual amount according to your repayment plan, the following will happen:
- We send you a reminder if you don't pay your annual amount on time. Then we charge you a reminder fee of 450 kronor .
- We send you a second reminder with an additional 450 kronor fee if you still don't pay.
- We send you a demand letter if you don't pay after the second reminder.
- We forward the demand to the Swedish Enforcement Authority for collection if you don't pay after the reminders and the demand letter. The Enforcement Authority charges a basic fee of 600 kronor for each demand.
The debt increases
Here you see how a debt rapidly increases from 500 kronor to 2 000 kronor if you don't pay.
You may have a record of non-payment
If your case is sent to the Enforcement Authority, you may have a record of non-payment. Records of non-payment are not handled by the Enforcement Authority, but by a credit reporting agency such as UC or Kreditfakta. Those agencies issue records of non-payment after obtaining information about unpaid fees and charges from the Enforcement Authority.
Swedish Enforcement Authority