Unemployed, AAP, sick and low income

You may have the right to have the interest on your loan deleted if you are on a low income.

Veileder Sletting av renter

If your interest is deleted, you can defer repayment during the same period

Anyone can defer repayment up to 36 times, but you cannot use this quota during periods for which your interest is deleted.

If you have used up your deferrals, your repayments during periods for which your interest has been deleted could still be deferred.

We have several schemes for you

If your circumstances mean that you have a low income, your interest on your study loan may be cancelled and your payments can be deferred.

The cancellation of interest means that interest that has already been added to your loan will be cancelled (deleted). So you cannot apply to stop interest being added in the future. In order to be entitled to have interest Cancelled, your circumstances must be approved for the cancellation of interest and you must have an income that is below our threshold.

Application deadline for the cancellation of interest

You can apply for interest to be cancelled, backdated for up to three years. In other words, if you apply during the course of 2026, the cancellation of interest can be backdated to 1 January 2023.

You can defer repayment during periods for which your interest has been cancelled

You can also defer repayments without using your quota of 36 deferrals during periods for which your interest is cancelled. This means that the deferments that you have used, will be deleted when you are subsequently granted the cancellation of interest.

Have you used up all your repayment deferrals?

If you have used 36 deferrals, you may be entitled to more if you are likely to have your interest cancelled for the same period. In order to be granted more repayment deferrals, you must first apply for the cancellation of interest and then apply for repayment deferral.

See income limits for the cancellation of interest

Go to application
Documentation requirements
When applying for deletion of interest
Disabled
If you receive disability benefit, you may be entitled to have your debt deleted.
The Collection Authority
What does it means when your loan has been terminated and transferred to the Collection Authority in the Tax Administration?

Repayment deferral

Everyone can defer repayment
36 times

During the repayment period, everyone can defer their bill up to 36 times, i.e. the equivalent of three years in total. You do not need to provide any specific reasons for deferred repayment.

Please note that the repayment period will be longer, since you will have to pay the bill later than planned, and that interest will be added to your loan even during periods when you do not pay. As a result, you must pay more interest overall than you would have done if you had not deferred repayment. If you defer one bill, we will extend the repayment period by one month. If you defer two bills, we will extend it by two months, and so on.

You can both defer bills you have already received and future bills. If you defer bills that you have not yet received, we will not send you a bill.

Relevant rules