| Country | Grants | Loans |
|---|---|---|
France 2013/14 - grants and loans |
Grants are awarded on the basis of financial need to students that are less than 28 years of age. The amount awarded for the need-based grant depends on the assessment of social criteria. Students are classified into categories based on the family income; within the framework of a reform of the grants (2013), a new category has been created for lower middle-class students, and a new one for the most deprived students. All grant holders get tuition for free and social security contribution waivers (EUR 211). In 2013/14 the amount of the annual grant varies from EUR 0 (for lower middle-class students who only get the waivers) to EUR 5 500. In addition, students having a need-based grant can get a complementary merit-based grant (based on school performance from the baccalauréat results) which amounts to EUR 1 800. | Loans are also available. In 2008, the Ministry of Higher Education and Research started a new policy to get loans easier for all students aged less than 28. It provides loans with a maximum amount of EUR 15 000, guaranteed by a special fund 'OSEO'. Less than 0.1 % of university students take out such a loan. |
France 2015/16 - grants and loans | Grants are awarded on the basis of financial need to students less than 28 years of age. The annual amount awarded for need-based grants depends on an assessment of social criteria, with students classified into categories based on family income. Within the framework of a reform of grants (2014) a new category of grant amounting to EUR 1 007 has been introduced for the most deprived (based on family income) lower middle-class students who previously benefited only from a fee waiver. As of 2014, students who receive a need-based grant can also get a complementary merit-based grant (based on school performance from the baccalauréat results) which amounts to EUR 900. All grant holders receive free tuition and a waiver from social security contributions (EUR 215). In 2014/15, the amount of the annual grant ranges from EUR 0 (for lower middle-class students who only receive a fee waiver) to EUR 5 545. | Loans are also available. In 2008, the Ministry of Higher Education and Research started a new policy to make loans easier for all students aged under 28. It provides loans up to a maximum of EUR 15 000, guaranteed by a special fund 'OSEO'. Less than 0.1 % of university students take out such a loan. |
France 2016/17 - grants and loans | Grants are awarded on the basis of financial need to students (short, first and second cycle) less than 28 years of
age. The annual amount awarded for need-based grants depends on an assessment of social criteria, with
students classified into nine categories based on family income. All grant holders receive free tuition and a waiver
from social security contributions (EUR 215). In 2016/17, the amount of the annual grant ranges from EUR 0 (for
lower middle-class students who only receive a fee waiver and a waiver from social security contributions) to
EUR 5 551. An additional grant amounting to annual EUR 1 009 is available for the most deprived (based on family
income) lower middle-class students.
Students who receive a need-based grant can also get a complementary merit-based grant (based on school performance from the baccalauréat results) which amounts to EUR 900 per semester. | State guaranteed loans up to an annual maximum of EUR 15 000 are also available for all EU/EEA students aged under 28. Loans are guaranteed by a special fund 'OSEO'. Less than 0.1 % of university students take out such a loan. Interest rates are defined by banks. Repayment must start 2 years after graduation, but early redemption of interests is possible. |
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