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Repaying student loans or demands

If you have taken out a student loan with CSN, you will subsequently need to pay back the money you have borrowed from CSN. Here you can read about how to repay student loans and demands.

Information in English and other languages

We provide information about our various forms of grants and loans in different languages. Quite a lot of information has been translated into English. The most important information has been translated into other languages, such as Arabic, Spanish, etc.

Paying student loan

After you have completed your studies with student aid, or if you have paused your studies, it is time to start repaying your student loan. This applies even if you are unemployed, receiving parental benefit or moving abroad.

You also have to pay interest on the loan, which for 2019 stands at 0.16 per cent. When you are studying with student finance, you do not normally have to make repayments on the loan at this time. If you are studying without student finance, you must make repayments on the loan even though you are studying.

You start repaying the loan no earlier than six months after completing your studies with student aid. The maximum time you have to pay back your student loan is 25 years, although it must have been repaid at the latest in the year you turn 60. It may also be the case that you have less time to pay back the student loan. This depends on how old you are when you start making repayments, or how much debt you have.

Paying a demand

If you have received money from CSN that you were not entitled to, you have to pay it back. In this case, you will receive a demand. This may e.g. be because you have stopped your studies. It is therefore important to notify CSN if you change your studies or if your income changes. This might affect your entitlement to student finance.

More about paying a demand

Starting to repay the student loan

We normally send out your first payment plan with paying-in slips six months after completion of your studies with a student loan. If you already had a student loan from before, you must start making repayments immediately on completion of your studies.

How much you will be paying

You can see your debt and when you have to pay by logging into My Pages or into CSN’s app. You log into My Pages here at csn.se. Information in My Pages is only available in Swedish.

If you have taken out a loan before 30 June 2001, this is classed as an older loan and different rules then apply to you.

Read more about older loans (before 30 June 2001), information in Swedish

Pay by direct debit, e-invoice or bank giro

You can make payments to CSN by direct debit, e-invoice or paying-in slips. Paying-in slips are enclosed with your payment plan. You can apply for direct debit or e-invoice through your online banking service.

If you are paying by bank giro and have a loan you took out after 30 June 2001, you must make payments to bank giro number 5580-3084. You can enter your personal identity number (10 digits, YYMMDDNNNN) as the OCR number for your payment.

If you have one of the older loans, you must make payments to different bank giro numbers.

Read more about bank giro numbers for older loans (the information is in Swedish)

Change to monthly or annual payments

You can easily choose to make repayments on your loan once a month. This can be done by logging into Mina sidor (My Pages) here at csn.se.

You can also make repayments on your loan once a year. Please contact us if you would like to pay once a year.

Pay more or pay back the full student loan

You can make additional payments on your loan at any time. To do this, use the same bank giro number and OCR number as for your regular payments. If you are paying by direct debit, you need to contact us if you want to make additional payments.

You can pay off your entire loan at any time. Get in touch to tell us when you want to make the payment, and we will let you know how much you need to pay.

Paying from abroad

If you live abroad, you can make payments on your loan using a debit card, direct debit, e-invoice, IBAN, with a bank account and BIC/SWIFT. The important thing when you are living abroad is to make sure that we always have the correct contact details for you. If you move, you need to notify us of your new address.

Paying by debit card

If you have a credit or debit that is linked to Visa or Mastercard, you can make payments using the Pay by Card service. You can use this service when you have registered a foreign address with us.

Paying with IBAN

When making payments from abroad using IBAN, you need to enter the following details. The fee may vary, depending on which country you are paying from. For information about fees, please contact your bank.

For loans after 30 June 2001

IBAN: SE9112000000012810111847
BIC: DABASESX

Demands

IBAN: SE6912000000012810111855
BIC: DABASESX

Our BIC address is: DABASESX, Danske Bank, Norrmalmstorg 1, 103 92 Stockholm

As a reference, please specify your personal identity number, name and address on the payment.

If you have an older loan and are paying by IBAN, you can find out more about what information you need to provide on our Swedish pages.

Paying with a bank account and BIC/SWIFT

When you are making a payment from abroad with your bank account and BIC/SWIFT, you need to specify the following details.

For loans after 30 June 2001

Bank account: 12810111847
BIC: DABASESX


Demands

Bank account: 12810111855
BIC: DABASESX

Our BIC address is: DABASESX, Danske Bank, Norrmalmstorg 1, 103 92 Stockholm

As a reference, please specify your personal identity number, name and address on the payment.

If you have an older loan and are paying with your bank account and BIC/SWIFT, you can find out more about what information you need to provide on our Swedish pages.

Paying by direct debit or e-invoice

You can pay by direct debit if you have an account with a Swedish bank or with a foreign bank that has operations in Sweden. You can also pay by e-invoice if you have an account with a Swedish bank or with a foreign bank that can handle e-invoicing with a Swedish payee.

If you are having difficulty repaying the loan or if you fail to pay

If you are having difficulty making payments, you are welcome to call us. Together, we can look at what we can do to help you. You can also apply to pay less (reduction), bearing in mind your income or exceptional circumstances.

It is important for you to make your payments on time. If you do not make payments on your loan, you will also have to pay a reminder fee. Even the first reminder costs SEK 450.

If you fail to pay

If you fail to pay your annual amount according to your payment plan, the following occurs:

  1. We will send you a reminder. You will then have to pay the SEK 450 reminder fee.
  2. One month later, we will send another reminder. You will have to pay a further SEK 450.
  3. If you fail to pay despite receiving two reminders, we will send you a demand note.
  4. Depending on where you live, we will send the demand to the Enforcement Authority (Kronofogden) or a debt collection agency.
    • If you live in Sweden, we will forward the demand to the Enforcement Authority. The Enforcement Authority may charge a fee.
    • If you live abroad, we will forward the demand to a debt collection agency. The debt collection agency may charge a fee.

Risk of record of non-payment

If your case is handed to the Enforcement Authority (Kronofogden), you risk receiving a record of non-payment. Credit report companies issue records of non-payment after they have obtained data from the Enforcement Authority. UC and Kreditfakta are examples of credit report companies.

Read more on the Enforcement Authority’s website

Income from abroad

If you have previously applied to pay less on your student loan and have been granted a lower annual amount because of your income, we will check your income retrospectively. We will subsequently ask you to send us a certificate indicating the income you have received, after which we will check whether you have paid us the correct annual amount.

You can read about which certificates you should submit depending on the country in which you received income.

Certificates for income abroad

If you start studying again

You do not normally have to make repayments on the loan when you are studying with student finance. If you are studying without student finance, you have to continue paying back.

Appealing against a decision by CSN

If you believe that CSN has reached an incorrect decision, you can appeal against it. CSN must be in receipt of your appeal within three weeks from the date on which you were notified the decision.

How to appeal against a decision

Icon for updated Updated: 2019-09-06
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