Loan refinancing:

A comprehensive solution for graduates, who want to get in control of the costs, lower their fees and spread the payments.

  • Refinance all or part of your existing students loan

  • Government and private student loans form major competitors eligible for refinancing

  • Multiple loan consolidation available

  • Fast-track route available

  • Every European Union resident is eligible to apply

Ready to apply?

Here is how it works

Contact us to discuss your study funding.


Regardless of whether you have already applied to a university, have already been accepted to it or are merely thinking of studying and just want to get some information, just drop us a line and tell us a little bit about yourself and your goals. We will get back quickly. There are no strings attached.

Preliminary assessment for your funding

2. Apply for funding PART I: FAST-TRACK SUBMISSION

If you think our funding, community, and career development services are helpful for you, you can apply to become a Filentia member. For a fast-track decision, tell us what you studied, what you’ve been doing since graduation and the terms of your existing loan.

Profound student loan assessment.


If we both agree that we are a good match for your career journey, we will ask you to complete a few assessments and share some documentation with us. We will use this not only to decide whether or not we can invest in your future (to make sure we can deliver on the our promises and provide only the highest level of service, we limit the number of individuals we support) but also to have a strong foundation on which we can base our career advice and coaching services. We do not just talk of personalisation. We mean it.


4. Apply for funding PART III: INTERVIEW

We love data but we are also a little old fashioned. The third step of the process consists of an interview (personal or via Skype) with the Filentia founders. We want to get to know you and give you a chance of getting to know us personally. We are in this together for a long time. And we love our community. So let’s make sure that we have a good feeling about it.

Receive confirmation for tuition funding

5. Receive confirmation

We will confirm quickly if you are eligible for the graduate loan refinancing.

We settle your tuition fees directly.

6. become filentia member

We’ve got your back. We will pay the funds directly to your existing loan provider and work with you to accelerate your career.