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Your student loan for higher education and postgraduate studies

Take advantage of a higher education or postgraduate loan(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...

In addition to your government student loan (AideFi), the Startin’ Etudiants account from BGL BNP Paribas provides you with everything you need for your day-to-day banking activities, including:

  • a VISA Debit card and a Visa Classic credit card;
  • free cash withdrawals with your VISA Debit card from partner banks (Global Alliance) and the BNP Paribas global network (Global Network)(3);
  • unlimited free SEPA transfers(4);
  • a EUR 5,000 interest-free advance(1)(2);
  • a rental guarantee(1) with 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.

How do I apply for a government student loan (AideFi)?

To obtain a Luxembourg government student loan (AideFi, formerly CEDIES loan), open a free Startin’ Etudiants bank account!
With this quick and easy option, open your Startin’ Students bank account in just a few clicks!


  1. Apply
  2. Send supporting documents
  3. Your bank account is open!

Rental guarantee without a deposit!

If you’re renting, your landlord will probably require a rental guarantee (generally equal to three months’ rent). We’ll provide you with the rental guarantee amount in a blocked account*, so there’s no need to advance the cash(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.

Good to know

From September 2022, we’ll let you apply for your government student loan (AideFi) fully online. To apply for your student loan, simply go to the dedicated section of your Web Banking page!

Financial aid for your studies

Take a look at our guides to find out which grants you’re eligible for to finance your studies in Luxembourg or abroad.

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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