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The BGL BNP Paribas special student offer* is a CEDIES student loan, including:

  • aEUR5,000 interest-free cash advance to cover your upfront expenses;
  • your rental guarantee: BGL BNP Paribas provides you with the rental deposit for your apartment up to EUR 5,000 anywhere in the EU, and without a deposit,
  • fee withdrawals at all BNP Paribas Group and partner bank ATMs;
  • OptiStudent insurance*.

Your student loan 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 higher education or postgraduate loan*. Whatever your plans are, there’s a loan for you:

  • higher education loan: available in annual instalments over five years and complementary to the CEDIES loan;
  • postgraduate loan: available in annual instalments over five years for a PhD, doctorate, MBA, INSEAD, etc;
  • fixed rate;
  • regular monthly payments and a flexible repayment plan.


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


Mary has decided to go to university in Luxembourg. She’s received the CEDIES loan letter of acceptance.

She also gets an interest-free advance of €5,000(1) from BGL BNP Paribas 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.

Rental guarantee without a deposit

If you’re renting, your landlord will probably require a rental deposit. We’ll provide you with the rental guarantee amount in a blocked account*, so there’s no need to advance the cash!

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!

Did you know?

All your V PAY debit card withdrawals are free in the eurozone. You can therefore make withdrawals free of charge at the following ATMs:

  • BNP Paribas Group banks (via Global Network);
  • our partner banks (via Global Alliance).

See the list of banks and countries where your withdrawals in euros are free of charge by using your V PAY debit card!

Student insurance to cover any unforeseen circumstances

OptiStudent is insurance coverage(2) available with all CEDIES student loans, with our partner Europ Assistance. Exclusive to BGL BNP Paribas!

It guarantees you:

  • free insurance for five years;
  • 24/7 assistance in the event of illness, accident or hospitalisation;
  • reimbursement for essential items(3) if your luggage is delayed for at least 8 hours.

What is the CEDIES loan?

CEDIES student loan is a loan guaranteed and subsidised by the Luxembourg State. It’s a low interest rate loan, the amount of which is defined by the State.

It is offered to any person enrolled at an accredited higher education institution who fulfils certain conditions.

Advantages of the CEDIES loan

The CEDIES loan offers you:

  • 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.

(1) Offer subject to terms and conditions and approval of your application by the bank.
(2) Terms and conditions are available at your local branch.
(3) At a maximum of EUR 250.

Frequently asked questions

  • icone faq question 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.

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

    Your advisor will assess your situation and find the best way of financing your studies. Together, you’ll draw up a repayment plan.

    Please feel free to discuss these matters with your advisor. They’ll help you pursue your studies in total peace of mind.

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

    Yes, you can set up a rental guarantee for a property in France. You can use the rental guarantee anywhere in the European Union.

    To unblock it, your landlords will need to send a letter to the bank confirming that there has been no damage to the property. The guarantee can then be released.