Composition of AideFi

The state financial aid - AideFi consists of 4 different grant modules:

  • The basic grant
  • The social grant
  • The mobility grant
  • The family grant

Moreover, the student can take advantage of the partial reimbursement of enrolment fees as well as the the student loan.

The grant modules

The basic grant

The basic grant is automatically awarded to students who are eligible for financial aid. The semi-annual amount consists of 1.228€.

The social grant

The grant based on social criteria can consist of a maximum of 2.379€ per academic semester.

The amount depends on the total annual taxable income of the household to which the student belongs (“household” includes parents, parent and spouse/partner, student and spouse/partner).

If the student loan has been requested, the difference between the 2.379€ maximum grant and the total amount granted is automatically added to the student loan.

If the student loan has been requested without the grant based on social criteria, the entire amount is added to the student loan.

The mobility grant

The mobility grant is offered to students who are pursuing their studies outside the country of residence of the household they are part of and pay rent in the study country. The semi-annual amount consists of 1.528€.

The family grant

Family grants are offered to students who belong to a household in which one or more children are eligible for the AideFi.

The family grant amounts to 294€ per semester and is paid in a single instalment during the summer semester.  Please note that students who do not submit an application for the summer semester may request a reassessment of the winter semester by sending an email to their dedicated case manager.

Enrolment fees

The amount of the AideFi is supplemented by the amount of the enrolment fees up to a maximum of 3.800€:

  • 50% in the form of a grant;
  • 50% in the form of a student loan (if a loan has been applied for).

The student's income does not affect the weighting between the grant and the loan as far as the enrolment fees component are concerned.

Tuition fees payable to the institution of higher education are also taken into consideration (frais de scolarité, Studiengebühren, Semestergebühren, etc.).

Examples:

  • for 800€ in enrolment fees, 800€ is added to the AideFi: 400€ as a grant and EUR 400€ as a loan;
  • for 9.000€ in enrolment fees, 3.800€ is added to the AideFi: 1.900€ as a grant and EUR 1.900€ as a loan.

Comments:

If students submit an application:

  • for the winter semester and have not yet paid their enrolment fees in full, or do not yet have all the proof of payment: they must attach all the relevant documents when submitting their application for the summer semester;
  • for the summer semester and have not yet paid their enrolment fees in full, or do not yet have all the proof of payment: they must attach all the relevant documents after their application for the summer semester has been processed. To do so, they should complete the 'Add enrolment fees' procedure, which is available from 1 May to 31 July of the current academic year.

The student loan

  • The student loan is composed of a basic loan of 3.250€ and, depending on your situation, an additional increase based on social criteria and tuition fees.
  • The student loan can be taken at one of the banks contracted with the Luxembourg state, for which the student must hold a bank account.
  • The student loan is a state-backed loan with a maximum interest rate of 2%, which starts accruing from the moment it is made available.
  • The repayment of the student loan must start no later than 2 years after having finished or stopped studying.
  • The maximum repayment term is 10 years.
  • To obtain the loan amount, the student must scan the QR code on the back of their approval notification with the banking app of one of the following banks:

Contracted banks

Comment:

Students who have difficulty repaying their loan must contact their bank, which will provide them with the necessary explanations regarding their options. If no other solution is possible, the bank may propose that the client requests an extension of the repayment duration, allowing the normal repayment phase to be extended for one or a few years beyond the normal ten years. The bank then informs the client about the minimal monthly repayment due in that case. The clients must explain their situation using the standard form provided by their bank and attach all required documents.

An advisory commission will issue a statement regarding the request, which will be forwarded to the Minister of Research and Higher Education and to the Minister of Finances who will take a joint decision if the extension of the repayment duration is to be granted.

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