Student Loans for 2026/2027: Affordable Support, Flexible Terms, and Up to 50% Debt Forgiveness

The Ministry of Science and Higher Education has issued a regulation setting the net income threshold for student loans in the 2026/2027 academic year at 4,000 PLN per family member.

Accessible Support for Students and Doctoral Candidates

Credit for individuals up to 35 years of age. Student loan 2026/2027 offers cheap support for studies, including doctoral studies, and a chance for up to 50 percent debt forgiveness.

Are you dreaming of financial independence during your studies, but scholarships are not enough? A student loan may be a solution few talk about openly. It can be applied for all year round, repayment starts only two years after graduation, and the best graduates can count on the forgiveness of up to half of their debt. Check how it works in the 2026/2027 academic year, as the Ministry of Science and Higher Education has issued a special regulation regarding the income threshold related to the student loan.

A student loan is one of the most advantageous financial solutions available to studying individuals. Its biggest assets are preferential terms and availability throughout the year. Importantly, it can be received regardless of other scholarships being collected; the only income condition is that the income per person in the family does not exceed the established threshold.

It is enough to submit an application once. Afterward, funds are transferred regularly throughout the entire education period without the need to repeat the procedure annually. The loan is granted by selected commercial banks, and its favorable conditions are possible thanks to subsidies from the Student Loan Fund, financed from the state budget.

Application Process and Income Thresholds

Student loan: you can submit your application all year round.

Unlike many other forms of support, a student loan can be applied for throughout the calendar year, and the bank has 30 days to issue a decision. The following can apply for the loan:

Student loan: how much can you get and what is the income threshold?

In the 2026/2027 academic year, the income threshold entitling applicants to receive the loan is 4,000 PLN net per person in the family. The decision on this matter was announced by the Minister of Science and Higher Education on May 25, 2026. The above is based on § 8 sec. 2 of the regulation of the Minister of Science and Higher Education of December 20, 2018, on student loans (Journal of Laws of 2018, item 2468). The Minister of Science and Higher Education established that the amount of monthly income per person in the applicant’s family entitling them to receive a student loan in the 2026/2027 academic year is 4,000 PLN net – official information is available here. Information regarding the amount of monthly income per person in the applicant’s family entitling them to receive a student loan in the 2026/2027 academic year – Ministry of Science and Higher Education – Portal Gov.pl

The student decides what amount they want to receive every month – installments from 400 PLN to 1,000 PLN are available to choose from. During the loan period, this amount can be changed to match current needs.

Student loan: where to submit the application?

Currently, applications are accepted by the following banks:

Repayment Terms and Debt Forgiveness

Repayment only two years after studies – on very good terms.

This is one of the most important pluses of this solution. Repayment begins only two years after graduation. This grace period provides time to find a job and stabilize the budget. Repayment terms are exceptionally favorable:

In practice, this means that the monthly installment is about half of what the student received during their studies.

Example

Ania received 800 PLN monthly for five years of studies. Two years after defending her diploma, she will start repayment – her installment will be about 400 PLN monthly. Additionally, if she graduated among the top graduates, she can count on a significant forgiveness of part of the debt.

Student loan: loan forgiveness for top graduates.

The best students and doctoral candidates can count on the forgiveness of part of the loan. The amount of forgiveness depends on the ranking place among the graduates of a given year:

To take advantage of this option, an application must be submitted to the bank branch where the agreement was signed, attaching a certificate from the university rector (or appropriate institution) confirming a place among the top graduates.

Financial difficulties do not mean you are left alone with the debt – the Ministry of Science and Higher Education points out. The law provides tools allowing the postponement of repayment or the reduction of the monthly installment. In particularly difficult situations, the loan can be partially forgiven, and in exceptional cases, entirely. Forgiveness is carried out by the minister at the request of the borrower. This applies, among others, to:

The application should include, among others, a description of the life situation, a copy of the loan agreement, a certificate of debt status, a copy of the diploma, and documents confirming the material situation (income certificates, labor office decisions, disability certificates, or medical documentation).

Applications are accepted on an ongoing basis. Individuals just starting repayment should submit an application no earlier than 60 days before it begins. Documents should be directed to the Ministry of Science and Higher Education (Department of University Organization, Education and Student Affairs, ul. Wspólna 1/3, 00-529 Warszawa) or electronically via ePUAP or e-Deliveries. The loan may also be completely forgiven in the event of the borrower’s death or the absence of legal possibilities to pursue claims.

The student loan for the 2026/2027 year is an attractive, though still underappreciated, financial support. Available all year round, with an income threshold of 4,000 PLN net per person, with installments from 400 to 1000 PLN monthly and repayment postponed by two years – it provides a real financial cushion for the time of study. The best graduates can count on the forgiveness of up to half of the debt, and people in difficult life situations – on partial or complete debt forgiveness. This is a solution worth considering by anyone who wants to study with greater financial peace of mind.

Legal basis

Regulation of the Minister of Science and Higher Education of December 20, 2018, on student loans (Journal of Laws of 2018, item 2468) Minister of Science and Higher Education