Finance your higher education with complete peace of mind with a CEDIES loan. Study worry-free and only start to reimburse your loan two years after you have completed your studies.

Calculate your financial support and follow the guide to getting your CEDIES loan

Enjoy student life to the fullest! Spuerkeess provides you with the financial flexibility necessary to complete your studies with complete peace of mind.

Calculate my financial aid

Wether in college or at university: independence and your dream studies can be yours! The government CEDIES loan supports you throughout your studies and when you begin your working life.

RELEASE UP TO 18.950 €
RELEASE UP TO 18.950 €
Invest in your future and choose what you want to study with a student loan at a preferential interest rate guaranteed by the government.
NO MONTHLY INSTALMENTS DURING YOUR STUDIES
NO MONTHLY INSTALMENTS DURING YOUR STUDIES
Your monthly repayments only begin two years after you have completed your studies. You will have a maximum of 10 years to reimburse your student loan.
GOODBYE MUM AND DAD
GOODBYE MUM AND DAD
Finally be financially independent and live your student life to the fullest!

1st CEDIES financial aid - loads of prizes to be won!

Take out your first grant and/or your first student loan with Spuerkeess between 1 August and 31 December 2019 and take part in the monthly prize draw.
What do you win?

•             In August: 4 × Fuji Instax Mini 70 instant camera

•             In September: 3 × PS4

•             In October: 3 × Apple AirPods with charger

•             In November: 2 × ETWOW Booster Plus Comfort scooter

•             In December: 1 × MacBook Air 13"
Conditions of participation: Click HERE


Calculate your financial assistance!




Yes
No

1
10
0,00

SUMMARY

Basic grant
1.000,00
Mobility grant
0,00
Social grant
1.900,00
Family grant
0,00
Registration fees
0,00
Total semester grants
2.900,00
Basic loan
3.250,00
Additional loan
For social grant
0,00
For registration fees
0,00
For income above the minimum social wage
0,00
Total semester student loan
3.250,00
This simulation is provided for information purposes only, and does not commit Spuerkeess in any way. For a concrete proposal, please submit your application to CEDIES.

Why choose Spuerkeess for your student loan? Your grant and CEDIES loan are paid into a bank account. Spuerkeess offers numerous free services with its axxess STUDY account.

OPTION OF AN ADVANCE ON YOUR CEDIES STUDENT LOAN OF 2.500 € AT 0%
OPTION OF AN ADVANCE ON YOUR CEDIES STUDENT LOAN OF 2.500 € AT 0%
Redeemable only when the CEDIES loan is settled.
ONLINE BRANCH
ONLINE BRANCH
No need to visit a branch if you study abroad - you can talk to an advisor online.
USER-FRIENDLY APPLICATION
USER-FRIENDLY APPLICATION
S-net and S-net Mobile: modern, intuitive, fast and secure internet banking.
OPTION OF AN ADDITIONAL LOAN
OPTION OF AN ADDITIONAL LOAN
Need more money to finance your studies? Take advantage of the additional Spuerkeess student loan.
ASSISTANCE THROUGHOUT THE PROCESS
ASSISTANCE THROUGHOUT THE PROCESS
Don’t be intimidated by the administrative process - Spuerkeess will support you throughout.
AN INTELLIGENT FINANCIAL ASSISTANT: MIA
AN INTELLIGENT FINANCIAL ASSISTANT: MIA
Don't be afraid of losing control of your budget; MIA helps you manage your daily finances and anticipates your budget.

Compare your options:

CEDIES Scholarship
CEDIES Loan
Student Loan
Check whether you are eligible for a CEDIES scholarship
Complete your financing with a loan at an interest rate guaranteed by the Luxembourg State.
If additional funding is needed, consider using a student loan.
Type
State Scholarship
Type
Bank loan
Type
Bank loan
Allocation
Sur base de la décision du CEDIES
Allocation
On the basis of the decision of CEDIES
Allocation
On the basis of a decision by Spuerkeess
Reimbursement
Aucune mensualité
Reimbursement
2 years after graduation, over a period of max. 10 years. Semi-annual interest due.
Reimbursement
Maximum duration 30 years. Interest payable on a semi-annual basis.
Interest rate
Aucun taux applicable
Interest rate
Interest rate capped at 2% for the applicant
Interest rate
Preferential interest rate offered by Spuerkeess
Amount
Un maximum de 10.600€/an
Amount
12.150€/year max.
Amount
Depending upon the collateral provided

How do I apply for a CEDIES loan? Spuerkeess supports you throughout the process

APPLY FOR FINANCIAL SUPPORT FROM CEDIES
APPLY FOR FINANCIAL SUPPORT FROM CEDIES
If this is your first application for support, you must first submit your application to CEDIES via Guichet.lu using your LuxTrust token.
GET YOUR CEDIES LETTER OF ACCEPTANCE
GET YOUR CEDIES LETTER OF ACCEPTANCE
Once your application has been sent, CEDIES will send you a letter of acceptance when your application has been accepted.
FINALISE YOUR LOAN APPLICATION WITH A SPUERKEESS ADVISOR
FINALISE YOUR LOAN APPLICATION WITH A SPUERKEESS ADVISOR
Once you have your CEDIES letter of acceptance, it’s time to book a meeting with one of our advisers to receive your Spuerkeess student loan.

Do you have your CEDIES acceptance letter? Make an appointment online with an advisor to finalise your student loan application with Spuerkeess.

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