Short-term loans

Ca’ Foscari has agreements with two different banks giving students the opportunity to find the best way to pay their university fees. Begin repayment a year after graduation or opt for repayment of an unsecured loan in instalments. Two different loan options allowing you to plan your future with greater freedom.

Agreements with BNL and Intesa Sanpaolo – available for all degree programmes – give students a hand in bearing the costs of either a university (Bachelor’s Degree or Master’s Degree) or postgraduate education (Professional Master’s Programme or PhD Programme).

Contacts and Forms

Payment facilitation is applicable to all students who have subscribed to the initiative by December 2016.

Study now, pay later. Thanks to an advance payment by the Bank covering your tuition fees. This is the thinking behind the agreement drawn up between the Ca’ Foscari University of Venice and BNL Gruppo BNP Paribas. Just one click is all it takes at the time of enrolment and you can opt for an advance payment of your tuition fees.
After graduating, you can decide whether to pay back the advance immediately or pay in instalments over the next 5 years.

The Details

Ca’ Foscari gives you the opportunity to pay your tuition fees after graduation and after beginning employment. Access is easy: at the time of payment just choose delayed payment and book an appointment at Ca’ Foscari to complete the process. This service is available to new students as well as to student already enrolled.

The agreement between the University and BNL Gruppo BNP Paribas, which was first drawn up in the academic year 2013/2014, applies to students enrolled in either Bachelor’s or Master’s degree programmes, and guarantees:

  • advance payment by the bank of the tuition fees for your chosen study programme;
  • repayment of the advance either by the end of September the year after graduating, interest free, or over five years after graduating in instalments at a subsidised rate;
  • repayment of instalments from the year after your graduation onwards;
  • access to a current account with particularly favourable terms, debit card, home banking and prepaid card;
  • an electronic credit card allowing you to pay for purchases using your phone.

Useful information: according to Almalaurea data, one year after graduation 78% of graduates have either found a job (50%) or chosen to continue their studies (28%); the figure is 71% in the case of MA graduates.

How does it work?

To access advance payment of tuition fees, you must be either a new student or an already enrolled student at Ca’ Foscari meeting the requirements of your study programme according to the regulations laid down by the University and listed below.

Payment of tuition fees is guaranteed for:

  • Bachelor’s degree programmes: maximum funding period is 3 years
  • Master’s degree programme: maximum funding period is 2 years
  • Bachelor's + Master's degree programme: maximum funding period is 5 years

You can pay back the advance, interest free, by the end of September the year after graduating, or a year after graduating in the academic year in which a pre-amortization is scheduled, or in instalments over a five-year period.

If you decide to enrol in a master’s degree programme after graduating, you can request an extension of the advance payment of tuition fees provided that you enrol in the academic year immediately after obtaining your bachelor’s degree.

No security or personal guarantee is required.

Just one click to request an advance payment of your tuition fees

If you are enrolling in your first year you can request advance payment of your tuition fees when you complete the online pre-enrolment procedure provided you meet the merit requirements. After completing the online pre-enrolment procedure you can book an appointment at the Financial Aid Unit where you will finalise your request and receive all the necessary information about this initiative.
If you are re-enrolling at Ca’ Foscari, and meet the merit requirements, you can also request advance payment of your tuition fees at the start of every new academic year by booking an appointment at the Financial Aid Unit.

How does the advance Payment take place?

The bank makes an advance payment of your tuition fees directly to the university in yearly instalments, after checking that all requirements have been met. You will not be required to do anything.

Should you fail to meet the requirements and the instalment is not paid, you will be given a grace period of up to a year. At the time of the next check, if you meet the requirements, the bank will pay the following instalment.

Basically, the bank will pay an instalment of your tuition fees every year provided you meet the requirements that year. If you fail to meet the requirements, you will lose the right to have your tuition fees paid that year, but you will be given a grace period of one year and the opportunity to obtain funding the following year provided you manage to meet the merit requirements.

Access Requirements

Funding will be granted to students wishing to enrol or already enrolled in a bachelor's degree or master's degree programme at Ca’ Foscari meeting the minimum merit requirements laid out in the table below:

Bachelor’s degree programme requirements

Year of programme Minimum admission requirements: for AY 2015/2016 by 10/08/2015
for AY 2016/2017 by 10/08/2016
Minimum maintenance requirements:
for AY 2015/2016 by 10/08/2016
for AY 2016/2017 by 10/08/2017
1 90/100 at State Exam at least 42 ECTS per year (average grade 26)
2 at least 42 ECTS (average grade 26) at least 42 ECTS (average grade 26)
3 at least 84 ECTS (average grade 26) ---

Master's degree programme requirements

Year of programme Minimum admission requirements:
for AY 2015/2016 by 10/08/2015
for AY 2016/2017 by 10/08/2016
Minimum maintenance requirements:
for AY 2015/2016 by 10/08/2016
for AY 2016/2017 by 10/08/2017
1 95/110 at the Bachelor's degree examination at least 42 ECTS (average grade 26)
2 at least 42 ECTS (average grade 26) ---


Should you fail to meet the requirements for continued payment of tuition fees, you can choose between paying back the advance amount within 3 months or in instalments over 2 years.

Useful Information

For terms and conditions see the Information Sheets and the Standard European Consumer Credit Information form (IEBCC) that you will be given by the member of the BNL staff before signing the contracts.

NB: As guarantor the university has the right to be indemnified by the student concerned in the event of failure to repay the loan.

Payment facilitation is applicable to all students who have subscribed to the initiative by April 2017.

The financial aid requests submitted later than April will not be taken into consideration as the convention with Intesa Sanpaolo is currently undergoing agreement renewal; further details for new financial aid request will be available from August 2017.

Financial Aid

Every year since AY 2012/2013 Ca’ Foscari has renewed its agreement with Intesa Sanpaolo, which offers loans to all students enrolled in a study programme at Ca' Foscari (bachelor’s degree programme, master's degree programme, professional master’s programme or PhD programme).

The agreement with Intesa Sanpaolo

Ca' Foscari has continued its collaboration with Intesa Sanpaolo, which offers a current account to new students or enrolled students meeting the requirements meeting the requirements of their study programme according to the criteria laid down by the University.

The maximum loan rates, granted according to the type of programme and year of enrolment, are laid out in the table below:

Maximum loan rate

Type of programme Maximum duration of loan Amount of single instalment Max no. of instalments Total amount of loan
Bachelor’s degree + Master's degree programme 5 years* EUR 4,000.00 up to 5 EUR 20,000.00
Master's degree programme 2 years* EUR 4,000.00 up to 2 EUR 8,000.00
Professional Master’s programme 2 years* EUR 7,500.00 up to 2 EUR 15,000.00
PhD programme 3 years* EUR 5,000.00 up to 3 EUR 15,000.00

* the maximum duration of the loan is expressed in academic years and refers to the normal duration laid down for each type of study programme. It does not take into account the start of lectures or the date of the final exam but the academic year concerned.

You may begin to pay back your loan 1 year after completing your studies (the time theoretically allowed to find employment) and you will have eight years in which to pay back your debt, at a fixed subsidised rate. You will not be asked to provide security or a personal guarantee because Ca’ Foscari will be the guarantor of repayment.

NB

Should you fail to meet the requirements for continued payment of tuition fees, you can choose between paying back the advance amount within 3 months or in instalments over 2 years.

Access, maintenance and loan duration

Loans will be granted to students at Ca’ Foscari with EU citizenship meeting the minimum merit requirements laid down in the table below:

Bachelor’s degree programme requirements

Year of programme Admission requirements
(Minimum merit requirements upon entry)
Maintenance requirements
(Minimum merit to be obtained)
1 90/100 at State Exam 40 ECTS per year
2 40 ECTS 40 ECTS per year
3 100 ECTS 40 ECTS per year

Master's degree programme requirements

Year of programme Admission requirements
(Minimum merit requirements upon entry
Maintenance requirements
(Minimum merit to be obtained)
1 Enrollment 40 ECTS per year
2 40 ECTS per year ---

Professional Master’s programme requirements

Admission requirements: enrolment
Maintenance requirements: attendance

PhD programme requirements

Admission requirements: enrolment
Maintenance requirements: admission to subsequent years

Loan Disbursement

Loans are paid in the form of annual instalments (for all study programmes). The instalment will be paid out every year, after a check to ensure that you meet your maintenance requirements.

In case of failure to meet requirements, the amount will not be credited to your account and you will lose the right to that instalment; however, if you meet the requirements when the following check is carried out, you will be entitled to receive the next instalment of your loan.

Useful Information

Go to www.perteprestitoconlode.com to access all the necessary information and fill in an online loan application.

You will receive a reply by email a few days after submitting your application, and if your application has been accepted, you can go to your local Intesa Sanpaolo branch to open your account following a brief preliminary check (remember to take your ID and Italian tax code).