Education

Applying for financial aid for students in higher education

The loan and scholarship system put in place allows students, provided they fulfil the qualifying conditions, to freely pursue higher education courses regardless of their parents' financial situation or wishes.

A calculation simulator will help determine the amount granted, based on the applicants' profiles.

The financial aid is paid in 2 semi-annual instalments per academic year. The academic year begins on 1 August and ends on 31 July of the following year. The winter semester begins on 1 August and ends on 31 January. The summer semester begins on 1 February and ends on 31 July.

Forms / Online services

Carry out your procedure:

Who is concerned

To apply for State financial aid, the beneficiary must be enrolled on a full- or part-time basis in an officially recognised higher education programme. The programme must lead to a degree, diploma, certificate or other qualification attesting the successful completion of the programme.

Part-time students enrolled in a higher education programme must indicate a predetermined number of classes they intend to pass:
  • either obtain between 15 and 17 ECTS credits per semester;
  • or follow a study programme for a duration which must equivalent to at least half the minimal official duration of the study programme.

Also eligible are students from secondary and technical secondary education who have been authorised by the minister in charge of professional training to take their vocational training abroad.

Prerequisites

Requirements for applicants residing in the Grand Duchy of Luxembourg:

  • be a Luxembourg national or a family member of a Luxembourg national; or
  • be a national of another EU Member State or a national of one of the States party to the Agreement on the European Economic Area or of the Swiss Confederation and:
    • reside in the Grand-Duchy of Luxembourg as a worker (including self-employed workers and pensioners) or as a member of the family of such a worker;
    • or have been granted the right of permanent residence; or
  • have been granted the status of political refugee in Luxembourg; or
  • be a third-country nationalor stateless, and:
    • have resided in Luxembourg for at least 5 years (or have been granted the status of long-term resident), and
    • have a secondary school diploma equivalent to the Luxembourg diploma.

Requirements for non-resident applicants:

  • be a worker (including self-employed workers), a Luxembourg national or a national of another EU Member State or a national of a State party to the Agreement on the European Economic Area or of the Swiss Confederation, an employee or be carrying out a professional activity in Luxembourg at the time of the application for financial aid for higher education;
  • be a beneficiary of an orphan's pension in Luxembourg, a Luxembourg national or a national of another EU Member State or a national of a State party to the Agreement on the European Economic Area or of the Swiss Confederation; or
  • be the child of a worker, a Luxembourg national or a national of another EU Member State or a national of a State party to the Agreement on the European Economic Area or of the Swiss Confederation, employed or carrying out a professional activity in Luxembourg at the time of the student's application for financial aid for higher education, and provided that the worker continues to support the student and that the worker has been employed or self-employed in Luxembourg for at least 5 years at the time of the application for financial aid for higher education over a 7-year reference period prior to the application for financial aid for higher education.
The time periods during which the person benefited from a pension, an allowance or the unemployment benefits paid by the state can be counted in the necessary 5-year period.

Children in a household where the spouse or partner of the parent meets the aforementioned conditions.

Students residing in Luxembourg within the frame of their studies and whose income does not exceed the minimum social wage for skilled workers will be treated as non-resident students.

Preliminary steps

For non-resident students, the financial aid is a substitution alternative. Before the application can be submitted, the students must first have completed all necessary procedures in their country of residence in order to obtain financial support for their studies from their country.

Attention!: Students must respect the application deadlines in their country of residence.

The official result, whether positive or negative, for the academic year in progress must be attached to the application for financial aid in Luxembourg. Without the answer from the competent authorities in their country of residence, no financial aid can be granted.

Deadlines

Time limits must be strictly observed.

Any application sent outside the prescribed deadlines will be refused.

Applications for financial aid must be submitted for each semester, even if the student has registered with the education establishment for a full year.
  • For students who start their studies in the winter semester, the full application, form and supporting documents, must be sent in by 30 November.
  • For students who start their studies in the summer semester, the full application, form and supporting documents, must be sent in by 30 April at the latest.
  • Students who have already applied for financial aid from the state and who are still enrolled in the same study cycle only need to submit a subsequent application.

How to proceed

Amount and composition of the financial aid

The amounts available to students consist of different scholarships which may be received concurrently, an interest-bearing loan and interest subsidies. The financial aid is granted for a period of one academic year and paid in 2 instalments, one instalment in the winter semester and another one in the summer semester. Only the family scholarship is paid in a single instalment, during the summer semester.

The different types of scholarships

The scholarship categories are as follows:

  • basic scholarship: granted to all eligible students. The amount is set at EUR 1,000 per semester;
  • mobility scholarship: for students enrolled in a higher education programme in a country other than their country of residence and who can provide evidence that they bear the cost of renting accommodation. The amount is set at EUR 1,225 per semester;
  • scholarship based on social criteria: granted to students who are under the care of a household with obligation of support and whose total taxable income is below or equal to 4.5 times the gross minimum social wage for unskilled workers (salaire social minimum pour non-qualifiés - SSM). The amounts per semester of this scholarship are set as follows:
    • income of less than 1 times the SSM: EUR 1,900;
    • income between 1 and 1.5 times the SSM: EUR 1,600;
    • income between 1.5 and 2 times the SSM: EUR 1,325;
    • income between 2 and 2.5 times the SSM: EUR 1,075;
    • income between 2.5 and 3 times the SSM: EUR 825;
    • income between 3 and 3.5 times the SSM: EUR 575;
    • income between 3.5 and 4.5 times the SSM: EUR 275;

The totality of the scholarship can be requested in the form of a loan. In this case, the student is not required to provide supporting documents with the household's level of income.

  • family scholarship: can be granted if one or more children of the same household are already receiving financial aid. The amount is set at EUR 500 per student. Note that a specific family scholarship application form for students who are not applying for a second instalment is available.

An additional amount of EUR 1,000 may be granted to students who are in a serious and exceptional situation and who face extraordinary expenses. This additional amount is granted by the Minister on the basis of a reasoned opinion and consists of 50% basic scholarship and 50% loan.

The different categories of scholarships may be received concurrently.

A calculation simulator is also available.

Students with an income of their own

Income from student jobs limited to a maximum of 10 hours/week and student jobs during the school holidays are not taken into account for the calculation of the scholarship based on social criteria.

Any other type of income available to the student during the current academic year is added to the total income of the household and may have an impact on the amount of the scholarship based on social criteria.

Students whose annual income is above the minimum social wage for unskilled workers may only receive financial aid in the form of a loan.

Students whose annual income exceeds 3.5 times the minimum social wage for unskilled workers are excluded from any financial aid.

The student loan

The amount of the loan guaranteed by the state with interest charges and interest subsidies consists of a basic loan of EUR 3,250 per semester. The amount of the loan for students who are not in receipt of the full scholarship based on social criteria may be increased by a maximum of EUR 1,900, less the amount of the scholarship based on social criteria granted.

Interest on the loan is payable on 30 June and 31 December each year. In principle, students will have to begin repaying the loan at the latest 2 years after having completed their studies and must have completed the repayment after a period of 10 years.

The loan must be taken out by the student with one of the credit institutions who have signed an agreement on the subsidisation of loans granted to students.

The state acts as guarantor for the capital and the interest and ancillary amounts owed by the student. The recovery of sums owed is carried out by the Registration and Estates Department (Administration de l'enregistrement et des domaines - AED) in accordance with the procedure for the recovery of registration fees.

Students are not obliged to take out a loan. They may be granted the scholarship without taking out a loan.

Students experiencing difficulties in repaying the loan can request an extension or an exemption from repayment, by explaining their situation in the standard form available and by attaching all required documents.

Enrolment fees

The basic amount of the financial aid is increased by the amount of the enrolment fees if they exceed EUR 100 but only to a maximum of EUR 3,700:

  • 50 % in the form of a scholarship; and
  • 50 % in the form of a loan.

The applicant's income does not affect the weighting between the scholarship and the loan as far as the enrolment fees component is concerned.

Examples:

  • in the case of EUR 800 enrolment fees, EUR 700 are added to the financial aid, EUR 350 as a scholarship and EUR 350 as a loan.
  • In the case of EUR 9,000 enrolment fees, EUR 3,700 is added to the financial aid, EUR 1,850 as a scholarship and EUR 1,850 as a loan.

Payment and duration of the aid

The scholarship is paid in 2 instalments per academic year. The family scholarship is paid in a single instalment.

The payment of the aid is subject to the submission of certificates or other official documents attesting that the conditions for the grant of the aid have been met, including the enrolment certificates and, where applicable, certificates attesting the successful completion of previous studies.

These scholarships and loans are granted for the official number of years of the study cycle in which the student is enrolled plus one extra year. This means that a student can repeat one or two semesters without losing financial aid. If a student has repeated a year during the first cycle, he/she will no longer qualify for financial aid if he/she repeats another year during the second cycle.

Examples:

  • for a bachelor's degree, whose official duration is 6 semesters, the aid may be granted for a maximum duration of 8 semesters. Two "bonus" semesters are granted if the student changes to another academic programme after the first year or if he/she repeats the year;
  • for a master's degree, whose official duration is 4 semesters, the aid may be granted for a maximum duration of 6 semesters, provided that the student obtained his bachelor's degree without repeating a year.
Students enrolled in the second cycle of their studies who have exceeded by one semester the official duration of their first study cycle may benefit from financial aid for an additional semester during the second cycle.

Students who have successfully completed their first or second cycle of studies may qualify for financial aid to attend further studies in the first or second cycle of another academic programme. This aid is granted only once.

For a "research programme" (doctorate) cycle, students are granted financial aid for a maximum of 8 semesters.

Students enrolled in a single cycle may qualify for scholarships and loans for the official number of academic years required to complete the study cycle in which the student is registered plus one extra academic year.

Students who want to complete an unfinished cycle, can benefit from the entire financial aid in the form of a loan for 2 additional semesters at most.

To this end, they have to:

  • be registered in the last year of the study cycle to be completed;
  • add to the form a written request for an "exclusive loan extension" (prolongation prêt uniquement) on plain paper.

Financial aid may be refused if the student does not show any progress in his or her studies. The main check is carried out after the second year of studies.

Students may be required to provide proof of their regular attendance of class lectures, practical or directed courses, participation in mandatory internships and that they have taken the exams and participated in competitions of their study programme.

To benefit from financial aid for the third year, students must satisfy one of three conditions:

  • have obtained at least 60 ECTS credits during the first 2 years in the study programme in which they are registered; or
  • have obtained at least 30 ECTS credits after the second year of studies provided the student changed to another study programme after the first year of studies at the latest; or
  • have been allowed to enter the second year of a study cycle which is defined in terms of content and duration and which does not give ECTS credits.
Attention: If after the third year of studies, the student is still registered in the first year of a higher education programme, the financial aid will be refused whatever the academic results.

Students with a disability who wish to extend the additional duration of financial aid have to attach a medical certificate attesting a substantial, long-lasting or permanent impairment of one or more physical, mental, sensory, cognitive or psychological functions which slow down the students' normal progression in their studies.

Provisions against overlapping payments

The financial aid cannot be combined with the following benefits:

  • financial aid for higher education and other equivalent financial support paid in the state in which the student resides;
  • any financial benefit arising from the fact that the applicant is a student.

This includes in particular scholarships and loans, family allowances, regional aids, housing aid, etc.

Applicants are required to submit certificates issued by the competent authorities in their country of residence, indicating the amount of financial aid and other financial benefits to which they may be entitled to from the authorities in their country of residence. This amount is deducted in full from the financial aid provided by the Luxembourg state.

These certificates must indicate, if applicable, the motive of refusal of financial aid. Certificates with a refusal for administrative reasons will not be admitted.

In practice, non-resident students must apply for financial aid in their country of residence  (e.g. Crous - the regional scholarships for social and paramedical training in France, student grants in Belgium or BAföG in Germany) and provide proof thereof. Failure to provide the aforementioned certificates will result in a refusal of financial aid.

Scholarships based on particular merit of the student as well as scholarships which are part of an international mobility program (Erasmus+) are not concerned.

Recovery of undue payments

The aid granted must be repaid immediately if was obtained as a result of statements that the recipient knew to be inaccurate or incomplete. In the case of aid granted in the form of a loan, the recipient must also pay interest at the legal rate as from the date on which the loan was paid out until the date on which it was repaid. People who obtained aid on the basis of information which they knew to be inaccurate or incomplete may be subject to penalties provided for in Article 496 of the Criminal Code.

Application via the electronic platform MyGuichet

Students have the possibility to carry out their application for financial aid by electronic means.

MyGuichet allows to complete either a main application or a subsequent application with a single form.

The online service has the following features:

  • a dynamic questionnaire which adapts itself to the user's profile and guides the student step by step and without unnecessary loss of time through the procedure;
  • pre-filling of the form with the user's personal data saved in the private eSpace;
  • the authentication system and the electronic signature of the LuxTrust certificate enable highly secure exchanges and confidentiality of personal data;
  • personalization of the list of supporting documents;
  • accessibility 24/7;
  • online tracking of the file and consultation of electronic messages sent by the CEDIES if the submitted file is incomplete.

This new service will be available on MyGuichet and enables an interactive dialogue online between students and the CEDIES.

The secure electronic services are accessible with a private LuxTrust certificate (ID card, Smartcard, Signing stick or Token). Users must register with MyGuichet beforehand in order to get an eSpace dedicated to the dialogue with administrations.

Note that the application for financial aid via MyGuichet must be carried out by the student himself, with his own LuxTrust certificate. The application cannot be carried out with the LuxTrust certificates of the parents.

Time limits must be strictly observed for all applications.

Application in paper form

For first-time applications or applications in the event of a change of a study cycle, you need to complete the form "première demande" (first application).

If you are already a beneficiary of financial aid in your current study cycle (1st cycle - Bachelor, 2nd cycle - Master, 3rd cycle - Doctorate), you can submit a simplified application "demande subséquente".

Step 1

  • For students who are starting their studies in the winter semester, the application form may be downloaded as from 1 August. The complete application, form and supporting documents, must be returned by 30 November at the latest.
  • For students who are starting their studies in the summer semester, the application form may be downloaded as from 1 January. The complete application, form and supporting documents, must be returned by 30 April at the latest.
Applications submitted after the deadlines will not be considered.

To ensure prompt processing of their applications, students are asked to submit a completed, signed form accompanied by all the supporting documents stapled to the form. All the supporting documents to be attached are listed on the form.

The form must be sent preferably by registered post with acknowledgement of receipt (B.P. 1101 - L-1011 Luxembourg), the postmark date applies as the date of application, or submitted in person at the offices of CEDIES (CEDIES - 18-20, montée de la Pétrusse, L-2327 Luxembourg).

Forms sent by fax or email will not be processed. Moreover, any incomplete application will give rise to substantial delays in the processing of the application.

CEDIES does not send a confirmation of receipt to applicants and does not communicate any information about the ongoing processing of applications. 

Step 2

After processing the application, CEDIES sends the applicant a letter of approval specifying the amount of the scholarship and of the loan granted for the first instalment of the financial aid for the current academic year.

The letter of approval from Cedies is to be kept carefully. CEDIES does not provide copies of the original letter.

The scholarship will be credited by the state on the student's bank account 2 to 4 weeks after CEDIES has sent the letter of approval.

If the student wishes to take out the loan, he/she must present the original of the letter of approval from CEDIES to one of the following banks by 31 July of the academic year at the latest:

  • Banque et caisse d’épargne de l’Etat (BCEE);
  • Banque de Luxembourg;
  • Banque ING;
  • BGL BNP Paribas;
  • Banque Raiffeisen;
  • BIL;
  • Fortuna banque;
  • Banque BCP.

Supporting documents for applicants residing in Luxembourg

First-time application or change of study cycle

In both cases, students living in Luxembourg must include the following supporting documents with their application for the basic scholarship and student loan:

  • a document establishing the identity of the applicant (photocopy of ID card, passport, etc.) or a valid signature in the event of an electronic application;
  • bank account details (relevé d'identité bancaire - RIB) of the student, to be obtained from the bank;
  • a final certificate of enrolment issued by the university in French, German or English (an official translation is required for any other language).

For other types of scholarships, additional documents are required:

  • students paying enrolment fees:
    • an invoice for the enrolment fees;
    • proof of payment;
  • students wishing to benefit from a scholarship based on social criteria:
    • an income certificate of the household to which the student belongs (2 certificates if the household is not taxed collectively) issued by the Luxembourg Inland Revenue (Administration des contributions directes - ACD);
    • if the income certificate issued by the ACD indicates "non-taxable by assessment" (non imposable par voie d'assiette), the annual salary, pension, annuity or unemployment certificates for the year 2015;
    • for persons who are not taxable in the Grand Duchy (under national law or international convention), the annual income is to be attested by supporting documents duly established by the competent authorities;
  • students wishing to benefit from a mobility scholarship:
    • a copy of the lease;
    • proof of payment of the rent;
  • students wishing to benefit from the family scholarship:
    • the social security number of the other child in the household.

Students with an income of their own must submit the following documents with their application:

  • his or her income certificate issued by the Luxembourg Inland Revenue;
  • his or her last 3 salary slips or pension statements, unemployment statements, etc.
The administration reserves the right to request additional documents. Any incomplete application will give rise to substantial delays in the processing of the application. Furthermore, all documents provided must be in Luxembourgish, French, German or English (an official translation is required for any other language).

Subsequent application

When submitting subsequent applications, students are only required to attach the following supporting documents:

  • the final certificate of enrolment in a higher education programme;
  • the certificates indicating the full amounts of financial aid or any other financial benefits received in their country of residence;
  • a certificate attesting the academic results of the previous years in the case of an application for a third year of studies.

Students are required to provide any other document which may generate a change in the allocation or in the calculation of the amount of financial aid compared to their previous application.


Supporting documents for non-resident applicants

First-time application or change of study cycle

In both cases, students who are not resident in Luxembourg must include the following supporting documents with their application for the basic scholarship and student loan:

  • a document establishing the identity of the applicant (photocopy of ID card, passport, etc.);
  • a recent residence certificate of the student issued by the commune of residence;
  • a household composition certificate issued by the commune of residence;
  • bank account details (RIB) of the student, to be obtained from the bank;
  • the final certificate of enrolment issued by the university in French, German or English (an official translation is required for any other language);
  • a certificate attesting the results of the previous academic year;
  • supporting documents issued by the competent authorities of the country of residence attesting the monthly amount of allowances / family benefits obtained as a result of the applicant's student status, or a document certifying that the student is no longer entitled to such benefits.
For other types of scholarships, additional documentsare to be attached:
  • students paying enrolment fees:
    • an invoice for the enrolment fees;
    • proof of payment;
  • students wishing to benefit from the scholarship based on social criteria:
    • a recent income certificate issued by the Luxembourg Inland Revenue (ACD) indicating the taxable amount for every person forming part of the student's household and who is working in Luxembourg;
    • if the income certificate issued by the ACD indicates "non-taxable by assessment" (non imposable par la voie d'assiette), the annual salary, pension, annuity or unemployment certificates for the year 2015;
    • all non-taxable income in the Grand Duchy of the student's household must be attested by supporting documents duly established by the competent authorities;
  • students wishing to benefit from the mobility scholarship:
    • a copy of the lease;
    • proof of payment of the rent;
  • students wishing to benefit from the family scholarship:
    • the social security number of the other child(ren) in the household concerned.

Students with an income of their own must submit the following documents with their application:

  • for students working in Luxembourg: an income certificate issued by the ACD;
  • for students working outside Luxembourg: the annual income is to be attested by supporting documents duly established by the competent authorities;
  • the last 3 payslips, pension statements, unemployment statements, etc.

The administration reserves the right to request additional documents. Any incomplete application will give rise to substantial delays in the processing of the application. Furthermore, all documents provided must be in Luxembourgish, French, German or English (an official translation is required for any other language).

Subsequent application

When submitting subsequent applications, students are only required to attach the following supporting documents:

  • the final certificate of enrolment in a higher education programme;
  • certificates for the current academic year stating the amount of financial aid and other financial benefits to which they may be entitled to from the authorities in their country of residence;
  • a certificate attesting the academic results for the previous academic years in the case of an application for a third year of studies.

Students are required to provide any other document which may generate a change in the granting of financial aid or in the calculation of the amount of aid compared to their previous application.

Who to contact

Centre for Documentation and Information on Higher Education

Centre de documentation et d'information sur l'enseignement supérieur - CEDIES
18-20, montée de la Pétrusse
L-2327 - Luxembourg
Postal address B.P. 1101 - L-1011 Luxembourg
Grand-Duché de Luxembourg

Phone: (+352) 247-88650
Fax: Reception:(+352) 26 19 01 04; Financial aid: (+352) 45 56 56
Email: info@cedies.public.lu
Website

Opening hours
Reception: Monday to Friday from 08.00 to 17.00; Financial aid: Monday to Friday from 14.00 to 17.00; Information on studies: Monday to Friday from 8.00 to 12.00 and from 14.00 to 17.00