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On granting a study loan

Applicants wishing to enter a residency or postgraduate training programme for places under an agreement on the provision of fee-based educational services can take advantage of a study loan with the state support provided under an agreement between the Ministry of Education and Science of Russia and the Savings Bank of Russia.

Terms and conditions of the loan
  • No collateral is required to receive the loan
  • The amount of the study loan is determined by the bank on the basis of the cost specified in the agreement on provision of the fee-based educational services.
  • The interest rate for the loan recipient remains fixed for the whole term and is 3% per annum.
  • The term of the study loan - up to 15 years from the end of the grace period
  • The grace period is: the period of study + 9 months after graduation
  • During the grace period, the student is granted a grace period for repayment of the study loan and does not pay the principal and part of the interest for the 1st and 2nd years of the study loan to the bank.
  • The grace period is prolonged in case of academic leave of absence
To apply for the study loan, a person wishing to obtain a loan may apply to any branch of the Savings Bank of Russia with a full package of required documents, a list of which is available on the official website of the Savings Bank of Russia in the section "Loans" block "Education loan with the state support".

In addition, you can make a preliminary calculation of the monthly loan payment in the above section by setting the necessary parameters.
For example, if the cost of education is RUB 200 thousand per year: a monthly payment for the first year of education - no more than RUB 200 per month (calculation by Savings Bank of Russia as of 1 April 2022).

Please note the following:
  • In case of expulsion for a valid reason (academic failure, disciplinary penalty, illegal enrolment), the educational institution informs the Ministry of Education and Science of Russia and the bank about the expulsion of the student (borrower) in due time).
    The grace period for repayment of the study loan is CANCELLED.
  • In case of expulsion in connection with the transfer of the student to another educational institution or due to the circumstances beyond the control of the student and the educational institution, including a case of liquidation of the educational institution, the student (borrower) shall submit an agreement on fee-based educational services or an additional agreement to the agreement on fee-based educational services concluded with the receiving educational institution to the bank.
  • In case of expulsion due to the circumstances beyond the control of the student and the educational institution, including a case of liquidation of the educational institution, and resulting in the decision of the student (borrower) to refuse to continue education, the student (borrower) shall submit to the bank a copy of the order of expulsion and a copy of the act of termination of the agreement on provision of fee-based educational services.