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The ideal student loan for your university studies

The CEDIES student loan is a form of government financial assistance with an attractive interest rate defined by the state. If you’re eligible for a CEDIES loan, you can benefit from a cash advance to cover your upfront expenses while waiting for the loan to come in.

CEDIES loan 

  • Fixed interest rate of a maximum of 2%, to be paid twice a year,
  • Easy repayment: payments can start up to two years after the end of your studies and can be spread over a maximum of ten years.

Interest-free advance

Moving costs, materials, tuition fees, internet subscription... The costs start adding up when you study far from home. 

  • Advance of up to €5,000 to cover your upfront costs while you wait for the CEDIES loan to come in,
  • Interest free,
  • Deferred repayment: you repay the advance when the loan is released.

Offer subject to conditions and approval of your application by the bank.

Take out a CEDIES loan and we’ll offer you insurance to cover any unforeseen circumstances

OptiStudent is insurance coverage available with all CEDIES student loans. Exclusive to BGL BNP Paribas! 

  • Insurance free of charge for five years,
  • 24/7 assistance in the event of illness, accident or hospitalisation,
  • Coverage of basic necessities if your luggage has been delayed for 8 hours or more.

Loans for higher education and postgraduate studies

Do you need a bit of extra cash, or do you intend to continue your university studies after graduation? Take advantage of a university or postgraduate loan. The right loan for every project. 

  • University loan: available in annual instalments for five years and complementary to the CEDIES loan,
  • Postgraduate loan: available in annual instalments for five years for PhDs, doctorates, MBA, INSEAD, etc.
  • Fixed rate,
  • Regular monthly payments and flexible repayment plan. 

A €5,000 interest-free advance? I’ll take it!

Mary has decided to come to Luxembourg for her university studies , and she’s received a CEDIES acceptance letter. She also gets an interest-free advance of €5,000 to help with the cost of settling in while she waits for the first disbursement of her State-funded student loan. She’ll pay back the advance with no extra fees once her CEDIES loan becomes available.

Did you know? You can take advantage of the rental guarantee without a deposit!

If you’re renting a property, your landlord will most likely require a rental deposit to protect against any risk of damage to their property. To help with this, we provide you with funds to cover your rental guarantee in a blocked account, so you don’t have to advance the money. This way, if the owner claims compensation from you, you’ll only be required to pay for the actual cost of the repairs. Valid throughout the European Union!

Frequently asked questions about the student loan

  • How can I find out how much I can borrow under a CEDIES student loan?

    You’ll need to apply for financial assistance for each semester and attach the requested documents. Once your application has been assessed by CEDIES, you’ll be informed of the amount you may claim.

  • Can I postpone my repayment period if I need a loan for postgraduate studies?

    You will need to follow the repayment plan you set with your advisor when you made your loan agreement. Your advisor will assess your situation and find the best way of financing your studies.

  • Can I secure a rental guarantee for a property in France?

    Yes, or anywhere else in the European Union. To release it, you’ll need a letter from the landlord addressed to the bank confirming that the property has sustained no damage, and the guarantee can be liquidated.