You can apply for a loan from September 1 to September 30, 2025. ​

Submitting your application is simple and can be done completely online. However, some attachments must be sent by post in their original form, so please don’t leave your application and supporting documents until the last minute.

1. Registration

If you are not yet our client, you first need to create an account – either via the button in the top right corner of the page or by clicking the Register button. During registration, you will fill in your personal and contact details.

2. Login

Once registered (or if you already have an account), log in using the email and password you chose.

3. Filling out the application form

After logging in, click on the Fill in the form button, which will take you directly to the loan application.

You can also access the form through the Client Zone, which becomes available automatically after registration.

In the Client Zone you will find:

• My loans – an overview of all loans you have already received from the fund.
• My loan applications – the place where you can choose one of five available loan products. Here you can also see:
• Draft applications that you can complete, edit, and submit. Please note that an application in Draft status will not be processed.
• Submitted applications, with the option to track their status (approved/rejected) and communicate directly with the loan officer (e.g., submitting additional documents or making changes if necessary).If you have already submitted your application but the officer finds an error, they may return your application to Draft status so you can correct or update it.

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All mandatory attachments listed below must be submitted with the application. Incomplete applications will not be accepted, so please carefully check that you have included all required documents. If you are applying for preferential criteria, the relevant optional attachments must also be included.

> Mandatory attachments for the application

• document proving student status (does not apply to a citizen of the Slovak Republic studying at a university in Slovakia),
• certificate of Slovak nationality living abroad (if relevant),
• document proving that the applicant’s studies, according to the decision of the Ministry of Education, Science, Research and Sport of the Slovak Republic, are equivalent in scope and level to studies at a university in Slovakia (only if the university is abroad).
  

> Mandatory attachments when applying preferential criteria

• certificate from the Labor, Social Affairs and Family Office confirming receipt of material need assistance, or a certificate from the office showing that the applicant is a member of a household receiving material need assistance,
• certificate from the relevant institution under special legislation and a copy of the court decision ordering institutional care, or imposing an educational measure, or ordering urgent measures,
• copy of the court decision placing the applicant under the personal care of a person other than a parent (e.g., substitute or foster care),
• certificate from the relevant office confirming receipt of an orphan’s pension or orphan’s service pension, or the death certificate of a parent and the applicant’s birth certificate/notification of birth, or the death certificate of an adoptive parent and the court decision on adoption,
• copy of the disability card (ŤZP) or disability card with special status (ŤZP/S) or another document confirming student status with special needs,
• copy of the university decision granting a social scholarship in the previous or current academic year,
• copy of the child’s birth certificate/notification of birth,
• certificate from the Labor, Social Affairs and Family Office confirming receipt of a care allowance,
• documents proving that the applicant has at least three siblings who are dependent children, or at least two siblings who are dependent children and also full-time university students,
• certificate from the university confirming the applicant’s grade point average,
• copy of the high school graduation certificate from the previous school year (for first-year applicants and first-level studies),
• document proving that the applicant is enrolled in full-time study (only if the university is abroad),
  
• affidavit of highest completed education together with the diploma or high school graduation certificate,
• certificate of the standard length of study from the university, if it is not located in Slovakia.
  

> REPAYMENT PERIOD AND LOAN REPAYMENT

Loan repayment:

The first installment of the loan is due in the month following the end of the installment deferment under §13(3) of the Fund Act (more information on deferments is provided below). From that month, you are obliged to start repaying the loan (e.g., if the deferment ends in July, the first installment is due in August).

You are required to repay the loan in accordance with the loan agreement so that the installment is credited to the Fund’s account no later than the 25th day of the relevant calendar month. Late payment begins accruing from the 26th day of the same month.

When do you have to repay the loan?

You choose the repayment period when submitting your loan application. You can select a period of:

• at least 1 year and
• at most 10 years.

The repayment period starts on the first day of the month following the month in which your loan was disbursed.

When does the repayment period start?

• Bachelor’s and Master’s students (1st and 2nd cycle): the repayment period is suspended during the deferment of installments (e.g., during studies); the loan does not accrue interest during this time.​
• If you have already completed a Master’s degree, are studying at a second university, or are a PhD student: the repayment period starts on the first day of the month following the month your loan was disbursed – you are not entitled to installment deferment under §13(3) of the Fund Act.​

Can you request an extension of the repayment period?

Yes, but only exceptionally. The Fund Board may, based on your justified request, extend the repayment period up to a maximum of 20 years.

HOW MONTHLY LOAN INSTALLMENTS WORK

Amount of monthly installments:

• The amount is calculated based on the total value of your loan.
• You can find it on the first page of the loan agreement or in the client portal.

How and where to pay:

• Send your monthly installment to the fund’s bank account (as stated in your loan agreement).
• It must arrive in the fund’s account by the 25th day of the month – it’s recommended to send it by the 20th to ensure timely receipt.

Payment methods:

• Bank transfer (preferred)
• Cash payment directly at the fund’s cashier – maximum 1 payment per year up to €300

Always include the variable symbol – without it, the payment cannot be identified and assigned. If missing, the payment will be returned, and you will receive a reminder for the outstanding amount.

> Bank details for payment

IBAN:  SK58 8180 0000 0070 0046 8764
BIC (SWIFT): SPSRSKBA
Variable symbol: as stated on the first page of your loan agreement
Constant symbol: 0558

Bank name and address: 
State Treasury
Radlinského 32
P.O.BOX 13
810 05 Bratislava 15

If your bank does not support using the variable symbol for identification, include it in the payment reference or End-to-End reference field.

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> REMINDERS

If you do not repay your loan properly and on time, the Fund will not immediately proceed to legal enforcement but will first send you a reminder, giving you the opportunity to remedy the situation. The Fund is entitled to send a reminder even if you are late with fewer than three loan installments, but it is not obliged to do so.

> EXTRA PAYMENTS

You are required to repay the loan monthly at the minimum amount specified on the first page of your loan agreement (so-called regular installments).

If you wish, you can pay more – these are called extra payments. Extra payments can significantly shorten the repayment period and reduce the total interest. No fees are charged for extra payments.

If you pay more than the monthly installment and it is not a repayment of a previous arrear, the excess is automatically considered an extra payment. Regular installments cannot be “prepaid” in advance.

> EARLY REPAYMENT OF THE LOAN

Simply send a written request for early repayment by mail or email to the relevant officer, who will provide you with the exact balance for early repayment purposes.
You can repay the loan in full at any time after it has been granted – i.e., early repayment.
No fees are charged for early repayment of the loan.

If you decide to repay the loan before the repayment period begins, a contractual penalty will apply. If you repay after the repayment period has started, early repayment is without any penalty or fees.

The interest rate depends on your situation:

• 0% per year (loan is non-interest-bearing) – applies if you are a Bachelor’s or Master’s student during the period of eligibility for installment deferment (according to §13(3) of the Fund Act).
• % stated on the first page of the loan agreement – applies during the repayment period and during the period of a special installment deferment according to §17(14) of the Fund Act.

If you are a PhD student, the loan begins to accrue interest from the day after it is disbursed.

When does the interest increase by +2% per year (penalty interest)?

- during the period of a serious breach of the loan agreement, if this breach occurred during the time when you were obliged to repay the loan.
- during the period when you are more than two installments late in repaying the loan.

> DEFERRAL OF LOAN REPAYMENTS ACCORDING TO § 13(3) OF THE FUND ACT

Deferral of repayments under § 13(3) of the Fund Act applies only to students of the first and second levels of higher education who have not yet completed another second-level higher education program.

During this postponement:

• the repayment period does not run,
• the loan does not accrue interest,
• you are not required to repay the loan.

More information can be found in Article VII of the loan agreement.

> ELIGIBILITY FOR DEFERRAL

​a) Due to studies:

• you are eligible if you are a student at a university in Slovakia or abroad (equivalent studies) and have not yet completed a second-level higher education,
• for 6 months after completing the first-level higher education,
• for 2 months after completing the second-level higher education,
• for 2 months after interrupting or otherwise ending your studies (first or second level).
  

The total deferral for study purposes may not exceed seven years, which does not need to be consecutive (applies only to loan agreements from the academic year 2017/2018).

Required documents:

• Loan application or separate written request for deferral, and
• Mandatory attachments:
• • certificate of school attendance (original, not older than 30 days / certified copy),
  • translation of the certificate and declaration of accuracy if the certificate is in a language other than Slovak or Czech (original, not older than 30 days / certified copy).

b) Due to maternity or parental leave:

• eligibility arises if you interrupt your higher education due to starting maternity or parental leave and
• notify the fund in writing about the start of leave and request a postponement within 1 month of interrupting studies.

The total postponement for maternity or parental leave may not exceed five years, which does not need to be consecutive.

Required documents:

• Separate written request for postponement (within 1 month of interrupting studies), and​
• Mandatory attachments:
• • certificate from Social Insurance or doctor confirming the start of maternity leave (original, not older than 30 days / certified copy), or
  • document from the authority providing parental allowance (original, not older than 30 days / certified copy), and a copy of the child’s birth certificate, and
  • certificate of study interruption – copy, and
  • if the certificate is in a language other than Slovak or Czech: translation of the certificate of study interruption and declaration of translation accuracy (original, not older than 30 days / certified copy).

c) Due to voluntary military preparation:

Applicable only for loan agreements from the academic year 2019/2020.

• eligibility arises if you interrupt your studies due to starting voluntary military preparation and
• notify the fund in writing about the start of military preparation and request a postponement within 1 month of interrupting studies.

The postponement is possible for the duration of the voluntary military preparation, including any orders for extraordinary service.

Required documents:

• Separate written request for postponement (within 1 month of interrupting studies), and​
• Mandatory attachments:
  • Notice from the Personnel Office of the Armed Forces of the SR confirming acceptance into voluntary military preparation (original, not older than 30 days / certified copy),
  • Certificate of study interruption – copy, and
  • If the certificate is in a language other than Slovak or Czech: translation of the certificate of study interruption and declaration of translation accuracy (original, not older than 30 days / certified copy).

> IMPORTANT INFORMATION ABOUT THE START AND DURATION OF DEFERRAL

• The postponement begins in the month following the month in which the fund receives your complete application (all conditions must be met and all due installments must be paid).
• If any change occurs during the deferral (e.g., early termination or extension), you must submit the relevant document and, if necessary, a new deferral request within 14 days. The fund will adjust the deferral period accordingly.
• If your postponement was approved based on a request and the date of your state exam changes in the loan application, the fund will adjust the postponement period according to the new date.

> HOW TO SUBMIT THE REQUEST AND ATTACHMENTS

The request for a special postponement, including attachments, can be submitted in paper form to the fund’s address, or electronically to the email of the responsible officer.

• Attachments required as originals:
  
• • can be submitted in paper form (with the postponement request) as original, certified copy, or a document converted from electronic to paper form by a qualified entity (e.g., notary or mail), or
  • The document must be submitted in electronic form via the client portal (together with the electronically submitted request for installment deferral) and bear the qualified electronic seal of the issuing institution, or it must be a document converted from paper to electronic form through a guaranteed conversion by a notary or another authorized entity (e.g., via postal service).
• Attachments required as copies can be submitted:  
• • can be submitted in paper form (with the postponement request) as regular copy, or
    
  • In electronic form via the client portal (together with the electronically submitted request for installment deferral), as a scanned copy or photograph in a file in .pdf format or another format secured against further modifications.

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​> SPECIAL DEFERRAL OF LOAN REPAYMENTS ACCORDING TO §17 PARAGRAPH 14 OF THE FUND ACT

If the repayment period of your loan has already started (i.e., the period when you are obliged to start repaying the loan) and you are not eligible for a deferral of repayments under §13 paragraph 3 of the Fund Act, you can request a special deferral of repayments under §17 paragraph 14 of the Fund Act.

During the special deferral:

• the loan repayment period continues to run,
• the loan accrues interest,
• you are only required to pay interest on the principal.

Details about the special deferral of repayments are provided in Article VIII of your loan agreement.

> YOU ARE ELIGIBLE FOR A SPECIAL DEFERRAL OF REPAYMENTS

a) Due to maternity or parental leave:

Required documents for special deferral:

• written request for deferral, and
• mandatory attachment:
  • certificate from the Social Insurance Agency or a doctor confirming start of maternity leave (original, not older than 30 days, or certified copy), or
  • document from the authority providing parental allowance (original, not older than 30 days, or certified copy) and a copy of the child’s birth certificate.

 b) Due to registration as a job seeker at the relevant labor, social, and family office:

Required documents:

• written request for deferral, and
• mandatory attachment: certificate of registration as a job seeker issued by the relevant office (original, not older than 30 days, or certified copy).

c) Due to voluntary military training:

Required documents:

• written request for deferral, and
• Mandatory attachment: notification from the Personnel Office of the Armed Forces of Slovakia of acceptance into voluntary military training (original, not older than 30 days, or certified copy).

> IMPORTANT INFORMATION ABOUT THE START AND DURATION OF DEFERRAL

• The special deferral begins the month following the month in which the fund receives your complete request (all conditions must be met + all past-due installments paid).
• The fund will notify you in writing of the adjusted loan installment during the approved deferral period.
  
• If any change occurs during the deferral (e.g., early termination or extension), you must submit the relevant document and, if necessary, a new deferral request within 14 days. The fund will adjust the deferral period accordingly.

> HOW TO SUBMIT THE REQUEST AND ATTACHMENTS

The request for a special postponement, including attachments, can be submitted in paper form to the fund’s address, or electronically to the email of the responsible officer.

• Attachments required as originals can be submitted:
  
• • in paper form (together with the request) as original, certified copy, or a document converted from electronic to paper form through notarization or other authorized body (e.g., by mail), or
  •  electronically (together with the request) with a qualified electronic seal from the issuing institution, or converted to electronic form from paper via notarization or other authorized body.
• Attachments required as copies can be submitted:  
• • In paper form as ordinary copies, or
    
  • electronically as scanned PDFs or images in formats protected against changes.

> DEFERRAL FOR OTHER QUALIFIED REASONS ACCORDING TO § 4(1)(m) OF THE FUND ACT

You can request a deferral of loan repayment or just the principal for another qualified reason – i.e., a serious and justified reason not explicitly listed in the law.

• The same conditions apply as for the special deferral under § 17(14).
• The fund decides individually whether to approve such a deferral.

The request must include:

• Written request,
  • clearly stating the reason,
  • reason must be specific, justified, and relevant,
  • facts must be documented (e.g., medical certificates, official documents).

There is no legal entitlement to this deferral – the fund may approve or reject your request.