Habacus operates as a bridge between high-achieving 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 of their journey through fast, certified digital services:
• Student loan comparison tool > Clearly displays the available offers, supporting the relationship with the bank.
• Digital certification > Verifies compliance with the academic requirements needed to access the loan.
• Continuous monitoring > Reduces risk for financial institutions and safeguards the student’s academic path over time.
Habacus collaborates with the main Italian banks, is a CONSAP partner and is recognised by the MUR as a certifying body for services related to student loans.
RUFA academic programmes can be financed through a State-guaranteed student loan, a solution designed to allow you to focus on your studies without immediate financial pressure.
THE LOAN IS AVAILABLE IF:
• you enrol on a bachelor’s degree with a minimum secondary school final grade of 75/100
• you enrol on a master’s degree or postgraduate programme with a minimum bachelor’s degree grade of 100/110
No payslip or other financial guarantees are required.
Main amounts and benefits
• From €3,000 to €5,000 per year for multi-year programmes
• Flexible amount, usable not only for tuition fees but also for study-related expenses
• Deferred repayment: you start repaying the amount 30 months after the last disbursement