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Your online, state-guaranteed student loan (AideFi) for higher education:

Study your chosen subject with a student loan charging maximum interest of 2%, with financial aid from the Luxembourg government. 

You can apply for AideFi funding via MyGuichet at any time of year. This funding can take the form of an AideFi student loan from the bank. You can complete the entire student loan process online, including submitting your initial application. You can then go online to draw down a new tranche each semester. With this quick and easy option, your AideFi student loan is only a few clicks away!

After receiving an approval letter including a QR code issued by the Financial Aid Department of the Ministry of Higher Education and Research (MESR), you just need to scan the QR Code with Web Banking Mobile to take out the AideFi student loan.

You can apply for a new government student loan or request new tranches through Web Banking Mobile.

The student loan comprises a basic loan of EUR 3,250 per semester and, depending on your situation, an additional amount for enrolment fees and a means-tested bonus. Repayment of the student loan must begin within two years of the course being completed or terminated. The maximum repayment term is 10 years.

How to apply for the student loan

State financial aid – AideFi

Apply online
at MyGuichet.lu
Receive the approval
with a QR code issued by the Financial Aid Department
Take out the loan
by scanning the QR code with your Web Banking app
Not yet a client? Open an account online

AideFi eligibility

The loan is available to:

  • Luxembourg nationals and members of their family.
  • EU nationals who work in Luxembourg and members of their family.
  • Third country nationals who have lived in Luxembourg for at least five years, and who hold a Luxembourg school leaving certificate or equivalent qualification.

Other students and pupils may also be concerned.

Why choose BGL BNP Paribas for your student loan?

In addition to your AideFi student loan, the free Young People Pack from BGL BNP Paribas provides you with everything you need for your day-to-day banking activities, including:

  • a Visa Debit card and an optional Visa Classic credit card;
  • free cash withdrawals from any ATM in the EU using your VISA Debit card;
  • unlimited free SEPA transfers(4);
  • a EUR 5,000 interest-free advance(1)(2);
  • a rental guarantee(1) without a deposit of up to EUR 5,000 for student accommodation in Luxembourg and throughout the European Union;
  • OptiStudent insurance from Europ Assistance;
  • Don’t forget that free 24/7 access to Web Banking (available in the App Store and on Google Play) lets you manage account and banking services online with the utmost security and ease.

You’re not eligible for a government loan, or you want a student loan on top of your government student loan?

BGL BNP Paribas offers loans for higher or postgraduate education(1).

Whatever your plans are, we offer a customised fixed-rate loan, with regular monthly payments and a flexible repayment plan:

  • higher education loan for undergraduate and graduate studies (including at the University of Luxembourg) and non-university tertiary studies,
  • postgraduate loan: for postgraduate studies, MBA, PhD, etc...
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Rental guarantee without a deposit!

If you’re renting, your landlord will probably require a rental guarantee (generally equal to three months’ rent). We can provide you with a rental guarantee without a security deposit(1)!

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!

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


Mary has decided to go to university in Luxembourg. She’s received the state-guaranteed student loan (AideFi) letter of acceptance.

She also gets an interest-free advance of EUR 5,000 from BGL BNP Paribas(1)(2) 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 state-guaranteed student loan (AideFi) becomes available. 

Student insurance to cover any unforeseen circumstances

OptiStudent is insurance coverage(4) available with all state-guaranteed student loans (AideFi), 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,
  • coverage of basic necessities(5) if your luggage has been delayed for eight hours or more.

You’ve received the approval notification issued by the Financial Aid Department?


BGL BNP Paribas client
Scan the QR code in Web Banking – AideFi student loan section – and take out the student loan online
Not yet a client?
Open your student bank account online, activate Web Banking and scan your QR code
Opening a Startin’ Students bank account

Don’t miss the deadlines

An application must be submitted for each semester!

Deadlines for the 2022-2023 academic year:

  • Winter semester: 1 August 2023 to 30 November 2023
  • Summer semester: 2 January 2024 to 30 April 2024
  • Plus enrolment fees: 2 May 2024 to 31 July 2024

Non-resident students who would like to apply for AideFi must also submit a request for financial aid in their country of residence (Crous, student grant, BAFöG, etc.). Please submit this request as early as possible.

The official response (positive or negative) from the competent authorities in your country of residence is needed to obtain AideFi. Make sure you don’t miss the deadlines in your country of residence or Luxembourg; you may add to your application after sending it to the Financial Aid Department, provided the deadline has not passed.

Frequently asked questions

  • icone faq question
    How can I find out how much I can borrow under a state-guaranteed student loan (AideFi)?

    You’ll need to apply for financial assistance for each semester and attach the requested documents. Once your application has been assessed by the Luxembourg Ministry of Higher Education and Research (MESR), 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 new repayment plan. Please feel free to discuss these matters with your advisor. They’ll help you pursue your studies with 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.

(1) Offer subject to terms and conditions and approval of your application by the bank.
(2) This advance must be paid back as soon as you receive the state-guaranteed student loan (AideFi).
(3) Excluding foreign exchange fees..
(4) Terms and conditions are available at your local branch.
(5) Up to EUR 250 maximum