Merit loan

università prestito per merito

RUFA students can count on the financial support designed by Intesa Sanpaolo to enable them to expand their skills.

“per Merito” is a loan that every student residing in Italy can obtain on the sole condition of being in good standing with the chosen study course and does not require any guarantee. The loan will be allocated from June of the first year, after obtaining at least 20 training credits.

“per Merito” allows students to cover their enrolment fees, purchase materials for their education, cover accommodation expenses and everything that is necessary to undertake their study course with peace of mind. And students are under no obligation to report these expenses.

At the end of the studies a “bridge period” of 24 months is activated, during which the student will no longer receive payments but will not have to repay anything yet.

The return is made over a maximum period of 30 years; in case of early repayment there are no additional costs.
The rate is fixed and defined upon subscription.
Interest is paid by Intesa Sanpaolo to the Fund for Impact, the fund created for categories that have difficulty accessing credit and education.

For the terms and conditions of the contract, please refer to the Information Sheets available in the Branches and on the bank’s website. The loans are granted if approved by the bank.


Students wishing to apply for Prestito per Merito must have residency in Italy.

once the issue of the loan has been confirmed by the bank, disbursements are made in half-yearly installments and not in conjunction with the payment deadlines laid down by RUFA.

RUFA has no agreements with the bank other than those indicated in the Prestito per Merito’s guide.

Merit Loan by Intesa Sanpaolo


Advertising message for promotional purposes. “per Merito” is a credit product dedicated to students attending Universities in Italy and abroad, or Postgraduate Training Institutions. For contractual terms and conditions, please consult the Information Sheets available in the branch and on the bank’s website. For more information, ask your branch manager or go to the “per Merito” tab on the website in the youth section.