Student loan since 1 July 2001
A demand means that you have to repay student finance that you have received from CSN but did not qualify for. It can be both grant and loan.
When do you receive a demand?
You might receive a demand are if you for example have
- dropped out of school
- studied less than you indicated on your application to CSN
- submitted an inaccurate income statement.
If you have dropped out of school
If you have dropped out of school, you may have received too much student finance. For instance, if you have received payments for 14 weeks but dropped out of school after 10 weeks, you have to repay financial aid for 4 weeks.
If you have studied less
If you have studied less than you indicated on your application for student finance, you may have received too much student finance. Then you have to repay the student finance you did not qualify for.
If your income has been higher
If your income has been higher than you indicated on your application for student finance, you may have received too much student finance. Then you have to repay the student finance you did not qualify for.
CSN controls your income statement on the application with your income statement from the Swedish Tax Agency. We don't receive the statement from the Swedish Tax Agency until your tax assessment has been completed. So you might get a demand of student finance that you received more than a year before.
Interest and charges
If you repay a demand, you also have to pay interest and service charge for the demand. During 2017, the interest rate is 2,88 percent. You can deduct the interest on your tax return. The service charge is 100 kronor on each demand and year.
Contact us if you are having trouble repaying
Normally you must repay your demand at once, latest the day you will find on your repayment form. If you have trouble paying the entire demand, you may apply for a payment plan and split your payment. When we decide if you can get a payment plan, we look at your total personal finances. Contact CSN immediately if you are having trouble repaying.
You can order an application for a payment schedule
- in Mina sidor (only in Swedish)
- by e-mail
- over the phone.
CSN's e-mail addresses and phone numbers appear under
What happens if you don't pay on time?
If you don't pay your demand on time, we will send you a reminder. If you don't pay after the reminder, you will receive a demand letter. If you don't pay despite the reminder and demand letter, CSN will send an application for an order to pay to the Swedish Enforcement Authority. We do that in order to confirm your debt. When the Swedish Enforcement Authority receives the application, they will send a demand for payment to you. A fee of 680 kronor is charged for the order to pay.
If you still don't pay, the debt will be established in a decision. This decision will then be used to collect the debt. This is called distraint. A fee of 600 kronor is charged for the distraint.
Swedish Enforcement Authority
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 then handled 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. Contact the Enforcement Authority if you have any questions about records of non-payment.
Your responsibility to notify any changes to CSN
You must always notify CSN if anything happens that may affect your student finance. By notifying changes, you avoid problems with your student finance.