Youth policies

Youth Credit Fund, applications for subsidised loans now open

Students aged 18 to 40 can obtain funding of up to 70,000 euro by accessing the MyConsap portal with Spid, Cie or Cns

by Camilla Colombo

8 May 2026

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2' min read

Translated by AI

Versione italiana

Key points

The size
The procedure
Beneficiaries
Resources

2' min read

Translated by AI

Versione italiana

The online platform to apply for state-guaranteed funds for deserving students is now open. Those interested in accessing the Fondo per il credito ai giovani, the so-called Fondo Studio, can apply directly on the portal MyConsap - Consap Spa is in fact in charge of managing the Fund - by entering their personal and academic data in order to verify the requirements set out in the regulations.

The measure

The fund for credit for young people, the reform of which was implemented with the 17 November 2025 decree of the Presidency of the Council - Department for Youth Policy, consists of honour loans for study without personal guarantees, with long repayment times and with public coverage of up to 70%, reinforced by the State guarantee. The aim of the measure is to facilitate and broaden access to credit for students between the ages of 18 and 40 for the financing oftraining and higher education courses.

The Procedure

To apply for access to the Fund, students need to access the MyConsap portal via Spid, Cie, Cns or Consap credentials and enter their personal and academic data for the verification of requirements provided by the regulations.

Within five working days of the request, Consap communicates the outcome of the procedure. The next step, if a positive response has been obtained, is to turn to the banks that adhere to the initiative to apply for a loan. If the bank decides to grant the loan, it must send an official request for a guarantee to Consap, which, again within five working days, confirms admission, unless the available funds are exhausted. The bank then has 10 working days to notify Consap of the financing, which becomes effective with the crediting of the first instalment of the loan.

The beneficiaries

Eligible for financing guaranteed by the Fund are students and recent graduates who are regularly enrolled in:

bachelor's degree courses, master's degree courses or single-cycle degree courses;
courses of higher artistic, musical and choreographic education (Afam);
master's degree courses or Afam first and second level courses;
post-graduate specialisation courses
research doctorates;
language courses of no less than six months' duration recognised by qualified certifying bodies;
courses at higher technological institutes (Its Academy).

Also included are study courses undertaken abroad , provided they are recognised by the Ministry of Universities and Research.

Resources

Eligible loans may be cumulated up to a maximum of 50 thousand euro (70 thousand in the case of study abroad) and disbursed in annual tranches of equal amounts not exceeding 15 thousand. It is worth remembering that lenders, i.e. banks and financial intermediaries (ex articles 13 and 106, Tub), cannot request additional guarantees from beneficiaries and must apply more favourable economic conditions.

Finally, two elements should not be underestimated:

the disbursement of the instalments is subject to checks: in fact, it is up to the students to present the documentation certifying enrolment in subsequent years and the passing of exams;

this is not a non-repayable contribution: what is borrowed must be repaid, albeit in a facilitated manner. The repayment plan envisages between three and 15 years for repayment of the loan and may not start before the 30th month after the disbursement of the last instalment.