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All undergraduates, postgraduates have the right to apply for a student loan, whether they are Georgian citizens or foreign immigrants. Additionally, a student should be at least 20 years old and meet the basic criteria:

  1. They must take full time course
  2. Applicant’s studies must not be suspended
  3. They must not have obtained the same educational qualification before
  4. If a student is provided with a loan, the money must be received and used over money transfer establishments to a bank account of a higher education institution or scientific association. During the remaining semesters or years of study, the financial institution pays the tuition fee straight to the bank account of the university, without the need for the student's participation.

    Loans are provided only through local banks that have contracted agreement with the selected Academic Institutes. The decision to grant loans depends exclusively on local banks.

    Loan repayment typically comprises an annual fixed interest rate that is about 20%. Interest is accumulated from the first month. Students could take an opportunity by agreeing on the terms of a grace period, offered by the local banks, when they do not have to return the loan while they are still studying and enjoy a grace period. Furthermore, students who have taken out a loan are not indebted to any costs related to student loan.

    Students pay only the interest during the grace period of the loan. The maximum length of the grace period is 4 years and 6 months, which gives them the opportunity to finish their studies and find an appropriate job without having to rush. They start paying the principal amount after the grace period has finished.

    For more information on getting a student loan to study in Georgia, please contact one of our representatives.

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