Overview
Have you fallen behind in repaying your student debt or tuition fees? Or do you have a student travel debt for unauthorized use of your student travel product? In many cases you can arrange a instalment plan with us. This avoids additional costs, such as bailiff's fees.
DUO notifications
If you fall into arrears, DUO sends you a series of notifications informing you of the situation. You can find these in Mijn DUO, under ‘Mijn berichten’.
Make sure DUO has your correct email address. If you have opted to receive messages digitally but are not receiving email notifications from us, check in Mijn DUO if we still have your correct email address.
If you move abroad, or move house while living abroad, always let us know your foreign address.
Make sure your debt does not increase
Make sure that your debt with DUO does not increase any further. Apply immediately for a reduction in your monthly instalments. If that still does not ease the burden enough, you can request a payment free period. If you have student travel debt, cancel the product immediately.
Instalment plan
Do you need repay a debt to DUO? As long as your overdue debt has not yet been transferred to the CJIB, a bailiff, or an international collection agency, you can often still opt for an instalment plan.
Find out below how you can apply for an instalment plan for each type of debt.
Student travel debt
Have you not yet received a reminder for your student travel debt? If you can't settle the full amount in 1 payment, you can apply for an instalment plan via Mijn DUO.
Did you get a reminder? Then you can only apply for an instalment plan with the 'Aanvraag betalingsregeling DUO-schuld' form.
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Aanvraag betalingsregeling DUO-schuldpdf, 169kb
Course fees
If you want to pay your course fees For MBO or VAVO in instalments, you can pay in 9 instalments. Contact us if this if your instalment has been cancelled.
Is paying in 9 instalments no longer possible? Then use the 'Aanvraag betalingsregeling DUO-schuld' form to apply for an instalment plan.
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Aanvraag betalingsregeling DUO-schuldpdf, 169kb
Student debt
Have you fallen into arrears paying off your student loan? You can apply for an instalment plan using the ‘Aanvraag betalingsregeling DUO-schuld' form. The minimum instalment is €45 per month and you need to pay off the arrears in 2 years.
You can contact us for advice.
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Aanvraag betalingsregeling DUO-schuldpdf, 169kb
Instalment plans temporarily interest-free
Normally, interest is charged on instalment plans. The statutory interest is 6% per year. But between 1 August 2024 and 31 December 2026, we no longer charge interest on instalment plans. It's uncertain whether the interest rate will remain 0% after that. As soon as we have more information, you can read about it here.
Debt assistance and relief
If you have a lot of debts, you can seek help from a debt counselling agency. Go to Debt assistance and relief for more information.
Collaboration with the municipality of Amsterdam
DUO works together with the municipality of Amsterdam to prevent its residents' debts from increasing. The law stipulates that agencies that collect fixed charges, provide data on arrears to the municipality. Emergency services from the municipality can contact the resident to see if help is needed. DUO adheres to privacy legislation when processing your personal data. More information about the 'Early Signaling' project can be found on the website of the municipality of Amsterdam Link opent externe pagina