For First- and Second-Level Academic Programmes, tuition fees are determined according to the ISEE value, the indicator of the household’s financial situation. Different criteria apply to the other programmes, as outlined below.
For further information on how to calculate the ISEE, please visit the dedicated webpage.
*For non-EU students, only the income bracket above 150 applies, with the exception of Türkiye.
GRAPHIC DESIGN | GD-COMICS AND ILLUSTRATION | MULTIMEDIA AND GAME ART | PHOTOGRAPHY AND AUDIOVISUAL | DESIGN | SET DESIGN | SUSTAINABLE FASHION DESIGN | PAINTING | SCULPTURE AND INSTALLATION
| REDDITO /000 € | CORSI IN LINGUA ITALIANA - € | CORSI IN LINGUA INGLESE - € |
|---|---|---|
| tra 0 a 40 | 7.500 | 8.300 |
| tra 40 a 70 | 8.300 | 9.300 |
| tra 70 a 100 | 9.300 | 11.000 |
| tra 100 e 130 | 12.000 | 13.200 |
| tra 130 e 150 | 13.000 | 14.300 |
| oltre 150 | 14.000* | 15.300* |
CINEMA
| REDDITO /000 € | CORSI IN LINGUA ITALIANA - € | CORSI IN LINGUA INGLESE - € |
|---|---|---|
| tra 0 a 40 | 8.000 | 9.000 |
| tra 40 a 70 | 8.800 | 9.800 |
| tra 70 a 100 | 9.800 | 11.300 |
| tra 100 e 130 | 12.800 | 14.000 |
| tra 130 e 150 | 13.800 | 15.000 |
| oltre 150 | 14.800* | 16.000* |
*For non-EU students, only the income bracket above 150 applies, with the exception of Türkiye.
VISUAL AND INNOVATION DESIGN | COMPUTER ANIMATION AND VISUAL EFFECTS | MULTIMEDIA ARTS AND DESIGN | SET DESIGN | FILM ARTS | PERFORMANCE ART | PAINTING | SCULPTURE | PRINTMAKING
| REDDITO /000 € | CORSI IN LINGUA ITALIANA - € | CORSI IN LINGUA INGLESE - € |
|---|---|---|
| tra 0 a 40 | 8.000 | 10.500 |
| tra 40 a 70 | 8.800 | 11.600 |
| tra 70 a 100 | 9.800 | 13.000 |
| tra 100 e 130 | 12.800 | 14.500 |
| tra 130 e 150 | 13.800 | 15.500 |
| oltre 150 | 14.800* | 16.500* |
The fees shown in the tables for each First-Level or Second-Level programme do not include:
DESIGN MANAGEMENT | CINEMA AND NEW FORMATS PRODUCTION | PHOTOGRAPHY AND ITALIAN CULTURAL HERITAGE | ART CURATING AND MANAGEMENT
| Studenti Italiani | Studenti UE | Studenti EXTRA UE |
|---|---|---|
| € 11.800 | € 11.800 | € 13.800 |
| Studenti Italiani, UE, Extra UE | |
|---|---|
| € | 8.500 |
The tuition fee includes:
– enrolment fee;
– tuition and final examinations;
– CILS/PLIDA certification;
– RUFA card, including agreements with cinemas, theatres, gyms and teaching-material suppliers;
– final certificate.
The tuition fee payment schedule is as follows
FIRST-LEVEL, SECOND-LEVEL AND ACADEMIC MASTER’S PROGRAMMES
RUFA’s annual tuition fee consists of two components.
The enrolment fee must be paid annually upon enrolment, while the remaining amount, the tuition fee, may be paid according to the available payment options, which differ for Italian and EU students and non-EU students.
Amount: € 1.800,00
Payment: upon enrolment
Frequency: annual
Accepted payment methods :
Accepted payment methods :
FIRST- AND SECOND-LEVEL PROGRAMMES
The tuition fee may be paid:
ACADEMIC MASTER’S PROGRAMMES
The tuition fee may be paid:
Amount: € 1.800,00
Payment: upon enrolment
Frequency: annual
Accepted payment methods :
Accepted payment methods :
FIRST- AND SECOND-LEVEL PROGRAMMES
The remaining tuition fee must be paid by 30 September
ACADEMIC MASTER’S PROGRAMMES
The remaining tuition fee may be paid by bank transfer as follows:
single payment by 12 December;
3 instalments (31 January, 28 February, 31 March).
FIRST-LEVEL AND SECOND-LEVEL ACADEMIC DIPLOMAS
Italian students who complete direct enrolment and pay the full annual tuition fee by 30 November may benefit from the following reductions:
| Termine di immatricolazione | Riduzione sulla retta annuale |
|---|---|
| Entro il 31 marzo | € 1.800,00 |
| Entro il 15 giugno | € 1.200,00 |
| Entro il 31 luglio | € 600,00 |
EU and non-EU students may benefit from the following reductions on the annual tuition fee, provided payment is made by the stated deadlines:
| Termine di immatricolazione | Riduzione sulla retta annuale |
|---|---|
| Entro il 31 marzo | € 1.800,00 |
| Entro il 15 giugno | € 1.200,00 |
| Entro il 31 luglio | € 600,00 |
ACADEMIC MASTER’S PROGRAMMES
Payment of the enrolment fee and submission of the completed and signed form by 31 August 2026 will entitle students to a 10% reduction on the tuition fee.
Italian and EU students
€50.00 for the January, April and June sessions and the extraordinary July session
€100.00 for the September and October sessions
NON-EU students
€100.00 for all sessions
To make education more accessible, RUFA has established agreements with financial institutions and identified dedicated solutions that allow students to access loans and financing on favourable terms, helping them focus on their studies without placing excessive pressure on the family budget.
Applications are assessed by the partner institutions, taking into account both the guarantees provided and the student’s academic progress.
WHAT IT IS
A loan for students resident in Italy, available without personal guarantees: students simply need to be up to date with their studies.
WHEN IT BECOMES AVAILABLE
Funds are released from June of the first year, after students have earned at least 20 academic credits (CFA).
Funds are released in six-monthly instalments.
WHAT IT COVERS
It covers tuition fees, teaching materials, accommodation and other study-related expenses. No expense reporting is required.
REPAYMENT
A 24-month grace period after completing the programme, with no repayments due during this period.
Repayment over up to 30 years, with a fixed interest rate set when the agreement is signed.
Early repayment at no additional cost.
The interest is transferred by Intesa Sanpaolo to the Fund for Impact, which supports people who face barriers to accessing credit and education.
IMPORTANT NOTES
Applicants must be resident in Italy.
Loan disbursements do not coincide with RUFA payment deadlines, so plan your academic payments accordingly.
RUFA has no additional agreements with the bank beyond those set out in the product guide.
For contractual terms and conditions, please refer to the information sheets available at bank branches and on the bank’s website. Financing is subject to bank approval.
DISCLAIMER
Promotional advertising message. “per Merito” is a credit product for students attending universities in Italy or abroad, or post-secondary education providers. For contractual terms and conditions, please refer to the information sheets available at branches and on the bank’s website. For further information, contact your branch advisor or visit the dedicated per Merito page in the youth section of www.intesasanpaolo.com.
Habacus acts as a bridge between deserving students, educational institutions and the banking system, simplifying access to sustainable and transparent financial resources, even without income guarantees.
Habacus supports students at every stage through fast, certified digital services:
Student loan comparison tool Clearly displays the available offers and supports communication with the bank.
Digital certification Verifies that the academic requirements for accessing the loan have been met.
Continuous monitoring Reduces risk for financial institutions and supports the student throughout their studies.
Habacus works with leading Italian banks, is a CONSAP partner and is recognised by the Ministry of Universities and Research as a certifying body for student-loan services.
RUFA academic programmes may be financed through a State-guaranteed student loan, a solution designed to help you focus on your studies without immediate financial pressure.
THE LOAN IS AVAILABLE IF:
you enrol in a First-Level Programme with a minimum secondary-school final grade of 75/100
you enrol in a Second-Level Programme or Academic Master’s Programme with a minimum undergraduate grade of 100/110
No payslip or other financial guarantees are required.
Main amounts and benefits
From €3,000 to €15,000 per year for multi-year programmes
A flexible amount that may be used not only for tuition fees but also for study-related expenses
Deferred repayment: repayments begin 30 months after the final disbursement
WHAT IT IS
A plan consisting of 12 interest-free monthly instalments to cover tuition costs.
REQUIREMENTS AND DOCUMENTS
A guarantor is required.
The following documents must be submitted: the latest payslip or tax return, an identity document and Italian tax code.
The application process begins through the RUFA Administration Office.
ASSESSMENT
Approval is at the discretion of the financial institution.
PLEASE NOTE
To access the interest-free plan, the applicant must have an income and be resident in Italy. Students wishing to use the interest-free financing plan must ensure that the person applying for the financing has an income and is resident in Italy.
RUFA provides a €2,000.00 fee exemption for students with a certified disability of 66% or above, as a measure supporting the right to study and the accessibility of the academic pathway.
RUFA supports families by offering a 10% tuition-fee reduction for enrolled siblings, encouraging continuity in their academic studies.
RUFA supports continued academic development by offering a 20% tuition-fee reduction to RUFA graduates enrolling in a Second-Level Academic Programme or an Academic Master’s Programme.
Per Merito: applicants must be resident in Italy.
Interest-free financing: the applicant must have a guarantor, an income and be resident in Italy.
Yes, provided each institution approves the application. Carefully consider affordability and deadlines.
Yes, it may be used for tuition fees, accommodation, materials and other study-related expenses, with no requirement to provide expense reports.
The disbursement will be postponed until you meet the minimum requirements. Plan your academic payments accordingly.
The student loan is available to students enrolled in RUFA programmes who meet the academic merit requirements: a minimum secondary-school final grade of 75/100 for First-Level Programmes and a minimum undergraduate grade of 100/110 for Second-Level and Academic Master’s Programmes. No payslip or personal financial guarantees are required, thanks to the State guarantee.
Habacus supports you throughout the process: guidance, comparison of bank offers, certification of academic requirements and assistance with the application. You can simulate the amount and repayment instalment, choose the most suitable loan and begin repayment only 30 months after the final disbursement, allowing you to focus on your studies first.
With the aim of making access to education increasingly inclusive, RUFA offers scholarships for First- and Second-Level Academic Programmes and Academic Master’s Programmes.
