{"id":51511,"date":"2022-04-14T13:58:00","date_gmt":"2022-04-14T11:58:00","guid":{"rendered":"https:\/\/finanso.se\/?p=51511"},"modified":"2022-11-21T18:50:00","modified_gmt":"2022-11-21T18:50:00","slug":"studielan","status":"publish","type":"post","link":"https:\/\/finanso.se\/studielan\/","title":{"rendered":"Studiel\u00e5n 2024 &#8211; L\u00e4s detta innan du tar ett studentl\u00e5n"},"content":{"rendered":"\n<section class=\"wp-block-uagb-section uagb-section__wrap uagb-section__background-undefined uagb-block-470bbd1a section-inner-wrap\"><div class=\"uagb-section__overlay\"><\/div><div class=\"uagb-section__inner-wrap\">\n<section class=\"wp-block-uagb-columns uagb-columns__wrap uagb-columns__background-undefined uagb-columns__stack-mobile uagb-columns__valign-top uagb-columns__gap-10 alignundefined uagb-block-5b026bf9\"><div class=\"uagb-columns__overlay\"><\/div><div class=\"uagb-columns__inner-wrap uagb-columns__columns-1\">\n<div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-a6ef7537\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\">\n<section class=\"wp-block-uagb-section uagb-section__wrap uagb-section__background-undefined uagb-block-f028bed0 section-inner-wrap\"><div class=\"uagb-section__overlay\"><\/div><div class=\"uagb-section__inner-wrap\">\n<section class=\"wp-block-uagb-columns uagb-columns__wrap uagb-columns__background-undefined uagb-columns__stack-mobile uagb-columns__valign-top uagb-columns__gap-10 alignundefined uagb-block-30b48d78\"><div class=\"uagb-columns__overlay\"><\/div><div class=\"uagb-columns__inner-wrap uagb-columns__columns-2\">\n<div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-672810eb\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\">\n<p>G\u00e5r dina tankar kring att ta studiel\u00e5n eller inte? Vid eftergymnasiala studier \u00e4r det m\u00e5nga som l\u00e5nar pengar f\u00f6r att ha m\u00f6jlighet att kunna g\u00e5 p\u00e5 universitet eller komvux. Som du kanske redan vet \u00e4r CSN den myndighet som ofta st\u00e5r bakom dessa l\u00e5n f\u00f6r studenter.<\/p>\n\n\n\n<p>\u00c5r 2022 \u00e4r r\u00e4ntan p\u00e5 studiel\u00e5n dessutom extra f\u00f6rm\u00e5nlig. Den ligger n\u00e4mligen p\u00e5 0%, vilket inneb\u00e4r f\u00e4rre avgifter f\u00f6r den student som beh\u00f6ver l\u00e5net. Det \u00e4r flera faktorer att t\u00e4nka igenom innan du skickar in en ans\u00f6kan och d\u00e4rf\u00f6r har vi skapat en artikel om detta \u00e4mne. <\/p>\n\n\n\n<p>L\u00e4s vidare f\u00f6r att f\u00e5 svar p\u00e5 fr\u00e5gor som:<\/p>\n\n\n\n<ul><li>Hur mycket f\u00e5r man i studiel\u00e5n?<\/li><li>N\u00e4r kan man ta ett studiel\u00e5n?<\/li><li>Vilka risker finns det med ett studiel\u00e5n?<\/li><li>Vem kan ans\u00f6ka om studiel\u00e5n?<\/li><\/ul>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-a40e257d\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\">\t\t\t\t<div class=\"wp-block-uagb-table-of-contents uagb-toc__align-left uagb-toc__columns-1  uagb-block-297ce80b table-of-content    \"\n\t\t\t\t\tdata-scroll= \"1\"\n\t\t\t\t\tdata-offset= \"30\"\n\t\t\t\t\tstyle=\"\"\n\t\t\t\t>\n\t\t\t\t<div class=\"uagb-toc__wrap\">\n\t\t\t\t\t\t<div class=\"uagb-toc__title\">\n\t\t\t\t\t\t\tG\u00e5 direkt till avsnittet:\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uagb-toc__list-wrap\">\n\t\t\t\t\t\t<ol class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#vad-\u00e4r-ett-studiel\u00e5n\" class=\"uagb-toc-link__trigger\">Vad \u00e4r ett studiel\u00e5n?<\/a><li class=\"uagb-toc__list\"><a href=\"#studiel\u00e5n-r\u00e4nta-hur-mycket-kostar-det-att-l\u00e5na-pengar\" class=\"uagb-toc-link__trigger\">Studiel\u00e5n r\u00e4nta &#8211; Hur mycket kostar det att l\u00e5na pengar?<\/a><li class=\"uagb-toc__list\"><a href=\"#vem-kan-ans\u00f6ka-om-ett-studiel\u00e5n\" class=\"uagb-toc-link__trigger\">Vem kan ans\u00f6ka om ett studiel\u00e5n?<\/a><li class=\"uagb-toc__list\"><a href=\"#risker-med-att-ta-l\u00e5n-som-student\" class=\"uagb-toc-link__trigger\">Risker med att ta l\u00e5n som student<\/a><li class=\"uagb-toc__list\"><a href=\"#sammanfattning-detta-b\u00f6r-du-veta-om-studiel\u00e5n\" class=\"uagb-toc-link__trigger\">Sammanfattning &#8211; Detta b\u00f6r du veta om studiel\u00e5n<\/a><li class=\"uagb-toc__list\"><a href=\"#vanliga-fr\u00e5gor\" class=\"uagb-toc-link__trigger\">Vanliga fr\u00e5gor<\/a><\/ol>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\n<\/div><\/section>\n<\/div><\/section>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n<\/div><\/section>\n<\/div><\/section>\n\n\n\n<section class=\"wp-block-uagb-section uagb-section__wrap uagb-section__background-undefined uagb-block-7d027717 section-inner-wrap\"><div class=\"uagb-section__overlay\"><\/div><div class=\"uagb-section__inner-wrap\">\n<section class=\"wp-block-uagb-columns uagb-columns__wrap uagb-columns__background-undefined uagb-columns__stack-mobile uagb-columns__valign-top uagb-columns__gap-10 alignundefined uagb-block-e0e14e0d\"><div class=\"uagb-columns__overlay\"><\/div><div class=\"uagb-columns__inner-wrap uagb-columns__columns-1\">\n<div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-242fd353\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\">\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Vad \u00e4r ett studiel\u00e5n?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"1280\" height=\"853\" src=\"https:\/\/finanso.se\/wp-content\/uploads\/2022\/04\/low-angle-graduation-diploma.jpg\" alt=\"\" class=\"wp-image-51513\" srcset=\"https:\/\/finanso.se\/wp-content\/uploads\/2022\/04\/low-angle-graduation-diploma.jpg 1280w, https:\/\/finanso.se\/wp-content\/uploads\/2022\/04\/low-angle-graduation-diploma-300x200.jpg 300w, https:\/\/finanso.se\/wp-content\/uploads\/2022\/04\/low-angle-graduation-diploma-1024x682.jpg 1024w, https:\/\/finanso.se\/wp-content\/uploads\/2022\/04\/low-angle-graduation-diploma-768x512.jpg 768w, https:\/\/finanso.se\/wp-content\/uploads\/2022\/04\/low-angle-graduation-diploma-219x146.jpg 219w, https:\/\/finanso.se\/wp-content\/uploads\/2022\/04\/low-angle-graduation-diploma-558x372.jpg 558w, https:\/\/finanso.se\/wp-content\/uploads\/2022\/04\/low-angle-graduation-diploma-279x186.jpg 279w, https:\/\/finanso.se\/wp-content\/uploads\/2022\/04\/low-angle-graduation-diploma-429x286.jpg 429w, https:\/\/finanso.se\/wp-content\/uploads\/2022\/04\/low-angle-graduation-diploma-440x293.jpg 440w, https:\/\/finanso.se\/wp-content\/uploads\/2022\/04\/low-angle-graduation-diploma-60x40.jpg 60w, https:\/\/finanso.se\/wp-content\/uploads\/2022\/04\/low-angle-graduation-diploma-105x70.jpg 105w, https:\/\/finanso.se\/wp-content\/uploads\/2022\/04\/low-angle-graduation-diploma-330x220.jpg 330w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/><\/figure>\n\n\n\n<p>Du har s\u00e4kert h\u00f6rt talas om studiel\u00e5n tidigare, d\u00e5 det \u00e4r en vanlig typ av <a href=\"https:\/\/finanso.se\/lan\/\">l\u00e5n<\/a> f\u00f6r m\u00e4nniskor som vill studera efter gymnasiet. <\/p>\n\n\n\n<p>F\u00f6r m\u00e5nga \u00e4r CSN (Centrala studiest\u00f6dsn\u00e4mnden) den f\u00f6rsta l\u00e5ngivaren som kommer i tankarna n\u00e4r vi talar om denna l\u00e5netyp. Men f\u00f6rutom denna myndighet finns det \u00e4ven andra m\u00f6jligheter att ans\u00f6ka om krediter f\u00f6r studenter. Exempelvis finns det chans till ett extra tillskott ut\u00f6ver bidragsdelen.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">N\u00e4r kan man ta ett studentl\u00e5n?<\/h3>\n\n\n\n<p>Det finns en del villkor f\u00f6r att f\u00e5 beh\u00e5lla l\u00e5net efter att du f\u00e5tt en beviljad ans\u00f6kan. Bland annat m\u00e5ste du uppfylla vissa krav p\u00e5 studieresultat. Du m\u00e5ste ocks\u00e5 b\u00f6rja betala tillbaka cirka sex m\u00e5nader efter att du avslutat dina studier. <\/p>\n\n\n\n<p>Ett studentl\u00e5n medf\u00f6r ofta en f\u00f6rdelaktig r\u00e4nta. Detta g\u00f6r att vissa ser en m\u00f6jlighet att kunna nyttja dessa l\u00e5nade pengar till att <a href=\"https:\/\/finanso.se\/investera-pengar\/\">investera<\/a>. Dock \u00e4r det viktigt att ha i \u00e5tanke att du m\u00e5ste betala av studiel\u00e5net och b\u00f6r aldrig handla med pengar du inte har r\u00e5d att avvara.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n<\/div><\/section>\n<\/div><\/section>\n\n\n\n<section class=\"wp-block-uagb-section uagb-section__wrap uagb-section__background-undefined uagb-block-9faac26d section-inner-wrap\"><div class=\"uagb-section__overlay\"><\/div><div class=\"uagb-section__inner-wrap\">\n<section class=\"wp-block-uagb-columns uagb-columns__wrap uagb-columns__background-undefined uagb-columns__stack-mobile uagb-columns__valign-top uagb-columns__gap-10 alignundefined uagb-block-fafe41b2\"><div class=\"uagb-columns__overlay\"><\/div><div class=\"uagb-columns__inner-wrap uagb-columns__columns-1\">\n<div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-304a7be1\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\">\n<h3 class=\"wp-block-heading\">Bankl\u00e5n vs CSN l\u00e5n<\/h3>\n\n\n\n<p>I vissa fall \u00e4r det dessutom inte m\u00f6jligt att bli beviljad ett CSN-l\u00e5n. I st\u00e4llet kan du v\u00e4lja att ans\u00f6ka om exempelvis ett <a href=\"https:\/\/finanso.se\/konsumtionslan\/\">konsumtionsl\u00e5n<\/a>. Detta kan vara i situationer d\u00e4r utbildningen inte ger r\u00e4tt till CSN eller att du inte visat tillr\u00e4ckliga resultat. Det kan \u00e4ven vara s\u00e5 att du planerar att studera utomlands.  <\/p>\n\n\n\n<p>Samtidigt \u00e4r det d\u00e5 vanligt att r\u00e4ntan h\u00f6gre, r\u00f6rlig och individuellt baserad. S\u00e5ledes b\u00f6r du unders\u00f6ka de olika alternativen.  <\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n<\/div><\/section>\n<\/div><\/section>\n\n\n\n<section class=\"wp-block-uagb-section uagb-section__wrap uagb-section__background-color uagb-block-49a04960 section-inner-wrap\"><div class=\"uagb-section__overlay\"><\/div><div class=\"uagb-section__inner-wrap\">\n<section class=\"wp-block-uagb-columns uagb-columns__wrap uagb-columns__background-undefined uagb-columns__stack-mobile uagb-columns__valign-top uagb-columns__gap-10 alignundefined uagb-block-cc3e5198\"><div class=\"uagb-columns__overlay\"><\/div><div class=\"uagb-columns__inner-wrap uagb-columns__columns-1\">\n<div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-bcef53b9\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\">\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Studiel\u00e5n r\u00e4nta &#8211; Hur mycket kostar det att l\u00e5na pengar?<\/h2>\n\n\n\n<p>N\u00e4r du tar ett studiel\u00e5n m\u00e5ste du \u00e4ven betala en r\u00e4nta som CSN fastst\u00e4ller f\u00f6r ett \u00e5r i taget. F\u00f6r \u00e5r 2022 ligger r\u00e4ntan p\u00e5 0 %, dock inneb\u00e4r det inte att l\u00e5net \u00e4r helt avgiftsfritt. Du m\u00e5ste bland annat betala 150 SEK i expeditionsavgift per \u00e5r. \u00c4ven avgifter f\u00f6r p\u00e5minnelse, \u00e5terkrav och till\u00e4gg kan vara m\u00f6jliga.<\/p>\n\n\n\n<p>Vidare kan studenter \u00e4ven i somliga fall beh\u00f6va <a href=\"https:\/\/finanso.se\/billan\/\">bill\u00e5n,<\/a> bol\u00e5n och privatl\u00e5n. Emellertid har dessa inte lika f\u00f6rm\u00e5nliga r\u00e4ntor som CSN-l\u00e5net. Dessutom brukar dessa r\u00e4nteniv\u00e5er variera kraftigt, vilket p\u00e5verkar kostnaderna. <\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n<\/div><\/section>\n<\/div><\/section>\n\n\n\n<section class=\"wp-block-uagb-section uagb-section__wrap uagb-section__background-color uagb-block-c14fc999 section-inner-wrap\"><div class=\"uagb-section__overlay\"><\/div><div class=\"uagb-section__inner-wrap\">\n<section class=\"wp-block-uagb-columns uagb-columns__wrap uagb-columns__background-undefined uagb-columns__stack-mobile uagb-columns__valign-top uagb-columns__gap-10 alignundefined uagb-block-23211145\"><div class=\"uagb-columns__overlay\"><\/div><div class=\"uagb-columns__inner-wrap uagb-columns__columns-1\">\n<div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-ba40c72b\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\">\n<h3 class=\"wp-block-heading\">Popul\u00e4ra l\u00e5nef\u00f6rmedlare<\/h3>\n\n\n\n<p>Det finns flera olika l\u00e5nef\u00f6rmedlare att v\u00e4lja mellan om du \u00e4r intresserad. Nedan f\u00e5r du l\u00e4sa om fem popul\u00e4ra alternativ.  <b><\/b><\/p>\n\n\n\n<ul><li><b><a href=\"https:\/\/finanso.se\/go\/lendo\/\" target=\"_blank\" rel=\"noopener\">Lendo<\/a> &#8211; <\/b>En l\u00e5neplattform med j\u00e4mf\u00f6relsetj\u00e4nst och t\u00e4nkbara belopp p\u00e5 upp till 600 000 SEK.\n<\/li><li><b><a href=\"https:\/\/finanso.se\/go\/coop-bank\/\" target=\"_blank\" rel=\"noopener\">Coop Bank<\/a> &#8211; <\/b>Denna akt\u00f6r kallas \u00e4ven Medmera Bank och \u00e4r en del av butikskedjan Coops varum\u00e4rke. H\u00e4r kan du ta privatl\u00e5n, s\u00e5v\u00e4l som bill\u00e5n och renoveringsl\u00e5n.<\/li><li><b><a href=\"https:\/\/finanso.se\/go\/bank-norwegian\/\" target=\"_blank\" rel=\"noopener\">Bank Norwegian<\/a> &#8211; <\/b>En bank som ing\u00e5r i Norwegian Air Shuttle och erbjuder digitala banktj\u00e4nster. Det \u00e4r m\u00f6jligt att ans\u00f6ka om kreditkort, samt privatl\u00e5n utan s\u00e4kerhet p\u00e5 mellan 5000 SEK och 600 000 SEK.<\/li><li><b><a href=\"https:\/\/finanso.se\/go\/enklare\/\" target=\"_blank\" rel=\"noopener\">Enklare<\/a> &#8211; <\/b>En j\u00e4mf\u00f6relsetj\u00e4nst som erbjuder l\u00e5n hos upp till 37 olika l\u00e5nef\u00f6rmedlare. Med en ans\u00f6kan hos UC kan du v\u00e4lja att l\u00e5na upp till 600 000 i 12 \u00e5r.<\/li><\/ul>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n<\/div><\/section>\n<\/div><\/section>\n\n\n\n<section class=\"wp-block-uagb-section uagb-section__wrap uagb-section__background-undefined uagb-block-f9910332 section-inner-wrap\"><div class=\"uagb-section__overlay\"><\/div><div class=\"uagb-section__inner-wrap\">\n<section class=\"wp-block-uagb-columns uagb-columns__wrap uagb-columns__background-undefined uagb-columns__stack-mobile uagb-columns__valign-top uagb-columns__gap-10 alignundefined uagb-block-b0b4d3e0\"><div class=\"uagb-columns__overlay\"><\/div><div class=\"uagb-columns__inner-wrap uagb-columns__columns-1\">\n<div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-9357286f\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\">\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Vem kan ans\u00f6ka om ett studiel\u00e5n?<\/h2>\n\n\n\n<p>En ack s\u00e5 viktig fr\u00e5ga att besvara om du funderar p\u00e5 att ans\u00f6ka om studiemedel. Det finns i sj\u00e4lva verket en del kriterier du m\u00e5ste motsvara f\u00f6r att kunna vara en godk\u00e4nd l\u00e5ntagare hos CSN.<\/p>\n\n\n\n<p>Studiel\u00e5n \u00e4r m\u00f6jligt att ta om du \u00e4r minst 20 \u00e5r och studerar p\u00e5:<\/p>\n\n\n\n<ul><li>H\u00f6gskola<\/li><li>Universitet<\/li><li>Komvux<\/li><li>Yrkesh\u00f6gskola<\/li><\/ul>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Hur mycket f\u00e5r man i studiel\u00e5n?<\/h3>\n\n\n\n<p>N\u00e4r du ans\u00f6ker om studiel\u00e5n \u00e4r det viktigt att du k\u00e4nner till vilka faktorer som styr det m\u00f6jliga l\u00e5nebeloppet. Beroende p\u00e5 din studietakt, omfattning och tidigare bakgrund kan du l\u00e5na mer eller mindre. \u00c4ven din nuvarande inkomst spelar roll.<\/p>\n\n\n\n<p>Exempelvis kan en f\u00f6r\u00e4lder med inneboende barn i hemmet ha r\u00e4tt att ta ett h\u00f6gre studiel\u00e5n. \u00c4ven den som har arbetat tidigare kan potentiellt ha m\u00f6jlighet till detta. <\/p>\n\n\n\n<p>Vidare har den som f\u00e5tt godk\u00e4nt p\u00e5 sin CSN-ans\u00f6kan ocks\u00e5 r\u00e4tt till studiebidrag. Det inneb\u00e4r att du inte beh\u00f6ver betala av den delen av studiel\u00e5net. Detta \u00e4r ett bidrag som du f\u00e5r av staten. <\/p>\n\n\n\n<p>F\u00f6r \u00e5r 2022 ligger beloppen f\u00f6r m\u00f6jligt studiemedel p\u00e5 f\u00f6ljande:<\/p>\n\n\n\n<ul><li>Bidrag: 840 SEK per vecka, samt 3360 SEK i m\u00e5naden.<\/li><li>L\u00e5n: 1932 SEK per vecka, samt 7728 SEK i m\u00e5naden.  <\/li><li>Totalt: 2772 SEK per vecka, samt 11088 SEK i m\u00e5naden.<\/li><\/ul>\n\n\n\n<p><b><i>OBS! Dessa siffror g\u00e4ller vid heltidsstudier med fullt studiel\u00e5n. <\/i><\/b><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n<\/div><\/section>\n<\/div><\/section>\n\n\n\n<section class=\"wp-block-uagb-section uagb-section__wrap uagb-section__background-color uagb-block-bb161f68 section-inner-wrap\"><div class=\"uagb-section__overlay\"><\/div><div class=\"uagb-section__inner-wrap\">\n<section class=\"wp-block-uagb-columns uagb-columns__wrap uagb-columns__background-undefined uagb-columns__stack-mobile uagb-columns__valign-top uagb-columns__gap-10 alignundefined uagb-block-ecc741ac\"><div class=\"uagb-columns__overlay\"><\/div><div class=\"uagb-columns__inner-wrap uagb-columns__columns-1\">\n<div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-0970752d\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\">\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Risker med att ta l\u00e5n som student<\/h2>\n\n\n\n<p>Trots att r\u00e4ntan p\u00e5 studiel\u00e5n \u00e4r f\u00f6rm\u00e5nlig finns det en del risker att vara medveten om. F\u00f6rst och fr\u00e4mst talar vi de facto om ett l\u00e5n f\u00f6r studenter. <b><i>L\u00e5n m\u00e5ste alltid betalas tillbaka.<\/i><\/b><\/p>\n\n\n\n<p>\u00c4ven om det inte finns n\u00e5gra krav p\u00e5 s\u00e4kerhet m\u00e5ste du prestera f\u00f6r att f\u00e5 beh\u00e5lla ditt studiemedel. Se d\u00e4rf\u00f6r till att g\u00f6ra dig inf\u00f6rst\u00e5dd med vilka regler som g\u00e4ller om du blir sjuk. Du m\u00e5ste d\u00e4rtill b\u00f6rja betala av studiel\u00e5net som tidigast sex m\u00e5nader efter dina avslutade studier.<\/p>\n\n\n\n<p>Vidare finns det n\u00e5got som heter fribelopp. Detta medf\u00f6r att du f\u00e5r ha en viss inkomst utan att det p\u00e5verkar dina studiemedel. D\u00e5 samh\u00e4llet nyligen genomg\u00e5tt en stor kris i samband med  pandemin har dock CSN slopat fribeloppet. Beslutet g\u00e4ller fram till 30 juni 2022. <\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n<\/div><\/section>\n<\/div><\/section>\n\n\n\n<section class=\"wp-block-uagb-section uagb-section__wrap uagb-section__background-undefined uagb-block-cd4a8c6c section-inner-wrap\"><div class=\"uagb-section__overlay\"><\/div><div class=\"uagb-section__inner-wrap\">\n<section class=\"wp-block-uagb-columns uagb-columns__wrap uagb-columns__background-undefined uagb-columns__stack-mobile uagb-columns__valign-top uagb-columns__gap-10 alignundefined uagb-block-8ae8a4fd\"><div class=\"uagb-columns__overlay\"><\/div><div class=\"uagb-columns__inner-wrap uagb-columns__columns-1\">\n<div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-ad360e9b\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\">\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Sammanfattning &#8211; Detta b\u00f6r du veta om studiel\u00e5n<\/h2>\n\n\n\n<p>F\u00f6r dig som ska studera efter gymnasiet \u00e4r det viktigt att s\u00e4tta dig in i vilka regler som g\u00e4ller f\u00f6r studiebidrag och studiel\u00e5n. Dina studiemedel p\u00e5verkas n\u00e4mligen av flera faktorer. Exempelvis vill CSN veta din aktuella och tidigare inkomst, samt studietakten och omfattning.<\/p>\n\n\n\n<p>Sammanfattningsvis har studiel\u00e5n vanligen en l\u00e5g r\u00e4nta och \u00e5r 2022 \u00e4r inget undantag. I nul\u00e4get ligger den n\u00e4rmare best\u00e4mt p\u00e5 0 %. Det medf\u00f6r f\u00f6rdelaktiga villkor f\u00f6r den som planerar att s\u00e4tta sig i skolb\u00e4nken igen. Emellertid tar CSN nya beslut om r\u00e4nteniv\u00e5n varje \u00e5r och du m\u00e5ste d\u00e4rf\u00f6r h\u00e5lla dig uppdaterad.   <\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n<\/div><\/section>\n<\/div><\/section>\n\n\n\n<section class=\"wp-block-uagb-section uagb-section__wrap uagb-section__background-undefined uagb-block-e6b483bc section-inner-wrap\"><div class=\"uagb-section__overlay\"><\/div><div class=\"uagb-section__inner-wrap\">\n<section class=\"wp-block-uagb-columns uagb-columns__wrap uagb-columns__background-undefined uagb-columns__stack-mobile uagb-columns__valign-top uagb-columns__gap-10 alignundefined uagb-block-4a7b2b23\"><div class=\"uagb-columns__overlay\"><\/div><div class=\"uagb-columns__inner-wrap uagb-columns__columns-1\">\n<div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-05dfd594\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\">\n<p><strong>L\u00c4S VIDARE: <\/strong><\/p>\n\n\n\n<p>\u27a1\ufe0f <a href=\"https:\/\/finanso.se\/lan\/\">Allt du beh\u00f6ver veta om att l\u00e5na pengar<\/a><\/p>\n\n\n\n<p>\u27a1\ufe0f <a href=\"https:\/\/finanso.se\/snabblan\/\">Snabbl\u00e5n 2024 \u2013 Allt du beh\u00f6ver veta om snabbl\u00e5n med direkt utbetalning<\/a><\/p>\n\n\n\n<p>\u27a1\ufe0f <a href=\"https:\/\/finanso.se\/konsumtionslan\/\">Konsumtionsl\u00e5n \u2013 S\u00e5 fungerar l\u00e5n utan s\u00e4kerhet<\/a><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n<\/div><\/section>\n<\/div><\/section>\n\n\n\n<section class=\"wp-block-uagb-section uagb-section__wrap uagb-section__background-undefined uagb-block-f58f6b78 section-inner-wrap\"><div class=\"uagb-section__overlay\"><\/div><div class=\"uagb-section__inner-wrap\">\n<section class=\"wp-block-uagb-columns uagb-columns__wrap uagb-columns__background-undefined uagb-columns__stack-mobile uagb-columns__valign-top uagb-columns__gap-10 alignundefined uagb-block-c477376b\"><div class=\"uagb-columns__overlay\"><\/div><div class=\"uagb-columns__inner-wrap uagb-columns__columns-1\">\n<div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-cbcd20d8\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\">\n<h2 class=\"wp-block-heading\">Vanliga fr\u00e5gor<\/h2>\n\n\n\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-e7b8532e uagb-faq-icon-row uagb-faq-layout-accordion uagb-faq-expand-first-true uagb-faq-inactive-other-true uagb-faq-equal-height custom-accordion\" data-faqtoggle=\"true\" role=\"tablist\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"@id\":\"https:\/\/finanso.se\/studielan\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Vad \u00e4r ett studentl\u00e5n?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ett studentl\u00e5n \u00e4r en typ av l\u00e5n som du kan ta n\u00e4r du studerar efter gymnasiet. Dock \u00e4r det vanligt att studenter saknar inkomst, vilket g\u00f6r det sv\u00e5rt f\u00f6r dem att ta andra typer av l\u00e5n.&lt;br>&lt;br>[&lt;a href=\\\"https:\/\/finanso.se\/studielan\/\\\">L\u00e4s allt om studiel\u00e5n h\u00e4r&lt;\/a>]\"}},{\"@type\":\"Question\",\"name\":\"\u00c4r det smart att ta studiel\u00e5n?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Studiel\u00e5net har en l\u00e5g r\u00e4nta, vilket ofta passar studenternas \u00e5terbetalningsf\u00f6rm\u00e5ga.\"}},{\"@type\":\"Question\",\"name\":\"Vem kan ans\u00f6ka om ett studiel\u00e5n?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Du kan ans\u00f6ka om ett studiel\u00e5n n\u00e4r du har fyllt 20 \u00e5r och studerar p\u00e5 en eftergymnasial utbildning eller komvux.\"}},{\"@type\":\"Question\",\"name\":\"Hur mycket studiel\u00e5n f\u00e5r man ta?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Det hela beror p\u00e5 din individuella situation. Unders\u00f6k alla villkor innan och var inf\u00f6rst\u00e5dd med att du m\u00e5ste betala av ditt studiel\u00e5n.\"}},{\"@type\":\"Question\",\"name\":\"Hur h\u00f6g \u00e4r r\u00e4ntan p\u00e5 studiel\u00e5n?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"R\u00e4ntan p\u00e5 studiel\u00e5n f\u00f6r \u00e5r 2022 ligger p\u00e5 0 %, men denna kan \u00e4ndras fr\u00e5n \u00e5r till \u00e5r.\"}},{\"@type\":\"Question\",\"name\":\"Hur mycket l\u00e5n kan man ta fr\u00e5n CSN?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"F\u00f6r n\u00e4rvarande ligger den minsta summan p\u00e5 11 088 SEK i m\u00e5naden f\u00f6r en heltidsstuderande. Av denna summa motsvarar l\u00e5nedelen 7728 SEK.\"}},{\"@type\":\"Question\",\"name\":\"Hur mycket f\u00e5r man i studiel\u00e5n per m\u00e5nad?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Det \u00e4r flera faktorer som v\u00e4ger in hur mycket du kan l\u00e5na som student. Bland annat beror det i vilken omfattning du studerar och din studietakt. D\u00e4rtill p\u00e5verkar din nuvarande inkomst, samt om du har barn boende hemma.\"}},{\"@type\":\"Question\",\"name\":\"\u00c4r det v\u00e4rt att betala tillbaka studiel\u00e5n?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L\u00e5n f\u00f6r studenter har en f\u00f6rdelaktig r\u00e4nta. I skrivande stund ligger CSN:s r\u00e4nta p\u00e5 0 % f\u00f6r \u00e5r 2022. D\u00e4remot b\u00f6r du alltid fundera varf\u00f6r du beh\u00f6ver l\u00e5na. I vissa fall kan det vara b\u00e4ttre att l\u00e5na mindre eller att du enbart klarar dig p\u00e5 bidraget.\"}}]}<\/script><div class=\"uagb-faq__wrap uagb-buttons-layout-wrap\">\n<div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-block-4e2abeed\"><div class=\"uagb-faq-child__wrapper\"><div class=\"uagb-faq-item\" role=\"tab\"><div class=\"uagb-faq-questions-button uagb-faq-questions\"><span class=\"uagb-icon uagb-faq-icon-wrap\"><\/span><span class=\"uagb-icon-active uagb-faq-icon-wrap\"><\/span><span class=\"uagb-question\">Vad \u00e4r ett studentl\u00e5n?<\/span><\/div><div class=\"uagb-faq-content\"><span><p>Ett studentl\u00e5n \u00e4r en typ av l\u00e5n som du kan ta n\u00e4r du studerar efter gymnasiet. Dock \u00e4r det vanligt att studenter saknar inkomst, vilket g\u00f6r det sv\u00e5rt f\u00f6r dem att ta andra typer av l\u00e5n.<br><br>[<a href=\"https:\/\/finanso.se\/studielan\/\">L\u00e4s allt om studiel\u00e5n h\u00e4r<\/a>]<\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-block-2e05faa1\"><div class=\"uagb-faq-child__wrapper\"><div class=\"uagb-faq-item\" role=\"tab\"><div class=\"uagb-faq-questions-button uagb-faq-questions\"><span class=\"uagb-icon uagb-faq-icon-wrap\"><\/span><span class=\"uagb-icon-active uagb-faq-icon-wrap\"><\/span><span class=\"uagb-question\">\u00c4r det smart att ta studiel\u00e5n?<\/span><\/div><div class=\"uagb-faq-content\"><span><p>Studiel\u00e5net har en l\u00e5g r\u00e4nta, vilket ofta passar studenternas \u00e5terbetalningsf\u00f6rm\u00e5ga.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-block-5e4e83e7\"><div class=\"uagb-faq-child__wrapper\"><div class=\"uagb-faq-item\" role=\"tab\"><div class=\"uagb-faq-questions-button uagb-faq-questions\"><span class=\"uagb-icon uagb-faq-icon-wrap\"><\/span><span class=\"uagb-icon-active uagb-faq-icon-wrap\"><\/span><span class=\"uagb-question\">Vem kan ans\u00f6ka om ett studiel\u00e5n?<\/span><\/div><div class=\"uagb-faq-content\"><span><p>Du kan ans\u00f6ka om ett studiel\u00e5n n\u00e4r du har fyllt 20 \u00e5r och studerar p\u00e5 en eftergymnasial utbildning eller komvux.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-block-42b8ecba\"><div class=\"uagb-faq-child__wrapper\"><div class=\"uagb-faq-item\" role=\"tab\"><div class=\"uagb-faq-questions-button uagb-faq-questions\"><span class=\"uagb-icon uagb-faq-icon-wrap\"><\/span><span class=\"uagb-icon-active uagb-faq-icon-wrap\"><\/span><span class=\"uagb-question\">Hur mycket studiel\u00e5n f\u00e5r man ta?<\/span><\/div><div class=\"uagb-faq-content\"><span><p>Det hela beror p\u00e5 din individuella situation. Unders\u00f6k alla villkor innan och var inf\u00f6rst\u00e5dd med att du m\u00e5ste betala av ditt studiel\u00e5n.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-block-45068367\"><div class=\"uagb-faq-child__wrapper\"><div class=\"uagb-faq-item\" role=\"tab\"><div class=\"uagb-faq-questions-button uagb-faq-questions\"><span class=\"uagb-icon uagb-faq-icon-wrap\"><\/span><span class=\"uagb-icon-active uagb-faq-icon-wrap\"><\/span><span class=\"uagb-question\">Hur h\u00f6g \u00e4r r\u00e4ntan p\u00e5 studiel\u00e5n?<\/span><\/div><div class=\"uagb-faq-content\"><span><p>R\u00e4ntan p\u00e5 studiel\u00e5n f\u00f6r \u00e5r 2022 ligger p\u00e5 0 %, men denna kan \u00e4ndras fr\u00e5n \u00e5r till \u00e5r.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-block-9caf77d5\"><div class=\"uagb-faq-child__wrapper\"><div class=\"uagb-faq-item\" role=\"tab\"><div class=\"uagb-faq-questions-button uagb-faq-questions\"><span class=\"uagb-icon uagb-faq-icon-wrap\"><\/span><span class=\"uagb-icon-active uagb-faq-icon-wrap\"><\/span><span class=\"uagb-question\">Hur mycket l\u00e5n kan man ta fr\u00e5n CSN?<\/span><\/div><div class=\"uagb-faq-content\"><span><p>F\u00f6r n\u00e4rvarande ligger den minsta summan p\u00e5 11 088 SEK i m\u00e5naden f\u00f6r en heltidsstuderande. Av denna summa motsvarar l\u00e5nedelen 7728 SEK.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-block-00ea244b\"><div class=\"uagb-faq-child__wrapper\"><div class=\"uagb-faq-item\" role=\"tab\"><div class=\"uagb-faq-questions-button uagb-faq-questions\"><span class=\"uagb-icon uagb-faq-icon-wrap\"><\/span><span class=\"uagb-icon-active uagb-faq-icon-wrap\"><\/span><span class=\"uagb-question\">Hur mycket f\u00e5r man i studiel\u00e5n per m\u00e5nad?<\/span><\/div><div class=\"uagb-faq-content\"><span><p>Det \u00e4r flera faktorer som v\u00e4ger in hur mycket du kan l\u00e5na som student. Bland annat beror det i vilken omfattning du studerar och din studietakt. D\u00e4rtill p\u00e5verkar din nuvarande inkomst, samt om du har barn boende hemma.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-block-f0fb3031\"><div class=\"uagb-faq-child__wrapper\"><div class=\"uagb-faq-item\" role=\"tab\"><div class=\"uagb-faq-questions-button uagb-faq-questions\"><span class=\"uagb-icon uagb-faq-icon-wrap\"><\/span><span class=\"uagb-icon-active uagb-faq-icon-wrap\"><\/span><span class=\"uagb-question\">\u00c4r det v\u00e4rt att betala tillbaka studiel\u00e5n?<\/span><\/div><div class=\"uagb-faq-content\"><span><p>L\u00e5n f\u00f6r studenter har en f\u00f6rdelaktig r\u00e4nta. I skrivande stund ligger CSN:s r\u00e4nta p\u00e5 0 % f\u00f6r \u00e5r 2022. D\u00e4remot b\u00f6r du alltid fundera varf\u00f6r du beh\u00f6ver l\u00e5na. I vissa fall kan det vara b\u00e4ttre att l\u00e5na mindre eller att du enbart klarar dig p\u00e5 bidraget.<\/p><\/span><\/div><\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n<\/div><\/section>\n<\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":25,"featured_media":51513,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","_lmt_disableupdate":"","_lmt_disable":"","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[18],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Studiel\u00e5n 2024 - L\u00e4s detta innan du tar ett studentl\u00e5n - Finanso.se<\/title>\n<meta name=\"description\" content=\"\u00c4r du i behov av ett studiel\u00e5n? L\u00e4s vidare f\u00f6r att se vilket typ av l\u00e5n du kan ans\u00f6ka om \u2705 Kriterier f\u00f6r studentl\u00e5n \u2705 R\u00e4nta och avgifter \u2705\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/finanso.se\/studielan\/\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Studiel\u00e5n 2024 - L\u00e4s detta innan du tar ett studentl\u00e5n - Finanso.se\" \/>\n<meta property=\"og:description\" content=\"\u00c4r du i behov av ett studiel\u00e5n? L\u00e4s vidare f\u00f6r att se vilket typ av l\u00e5n du kan ans\u00f6ka om \u2705 Kriterier f\u00f6r studentl\u00e5n \u2705 R\u00e4nta och avgifter \u2705\" \/>\n<meta property=\"og:site_name\" content=\"Finanso.se\" \/>\n<meta property=\"article:published_time\" content=\"2022-04-14T11:58:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-11-21T18:50:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/finanso.se\/wp-content\/uploads\/2022\/04\/low-angle-graduation-diploma.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"853\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Johan Gustafsson\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:description\" content=\"\u00c4r du i behov av ett studiel\u00e5n? 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Intresset f\u00f6r att investera \u00e4r i blodet, men sedan jag k\u00f6pte mina f\u00f6rsta Bitcoins 2012 har jag fr\u00e4mst lagt fokus p\u00e5 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