Sandra (28)
Environmental Engineer
„With EDUCA SWISS’ loan of 18,000 CHF I was able to finish my Master’s in London.”
Tobias (22)
Studies in Business with Federal Certificate of Proficiency
„Thanks to my student loan of 7,000 CHF, I was able to pay 32CHF per month for my vocational training.”
Philipp (19)
Business Administration Student
„EDUCA SWISS did not only award me with a student loan of 17,000 CHF, but also helped me with my budget plan.”
Albana (24)
Social Pedagogue University of Applied Sciences
„With a loan of 10,000 CHF, I can fund my education for only 23 CHF per month.”
Educational Loans
Are you looking to fund your education? As a non-profit foundation, we can help you plan and fund your education free of charge and without any obligations. You will receive a loan tailored to your individual needs at favorable conditions.
And this is how it works
Create your dossier
60minSign up here for free and create your profile. Map out your educational journey and financial plan. Our main requirements:
- You must be over 18 years old.
- You must have a solid professional goal.
- Your place of residence is in Switzerland.
Register now. Still unsure? FAQ & conditions in detail
Optimise your dossier with a loan coach
90minA strong profile increases your chances of financial support from scholarship providers, family or foundations. A free loan coach will help you along the way. Together, you’ll plan a realistic budget for your education and explore alternative financing options.
Get your educational loan
If needed after coaching, we arrange educational loans at non-profit rates. Our average interest rate of 1.6% (max 3.25%) is significantly lower than commercial lenders.
– Costs
Repay when you start working
Flexible repayments during or after your studies. Your repayments help fund another student’s education. Your coach will support you throughout your journey.
An education loan can help you
People in education and training can receive an education loan from us at favorable conditions.
Personal Loan Coach
You will have a personal loan coach who will accompany you free of charge and assist you during your vocational training.
Planning Platform
Our free planning platform helps you keep track of your education or vocational training.
Fair Conditions
We offer favorable education loans. The interest rates are always lower than with commercial providers, at an average of 1.5% and a maximum of 3.25%.
Non-profit
As a non-profit organization, we have no financial interests. There are no hidden costs.
FAQs for Candidates
Questions and answers about your education loan from EDUCA SWISS.
How can I apply at EDUCA SWISS?
The registration takes place on our free planning platform educaplan. There you create your education and financial plan and upload the required documents. Once everything is ready, the free planning and coaching process follows.
Can I apply for a loan for a language course at EDUCA SWISS?
We generally do not support courses, but education and vocational training that will enable you to start a career. If this language course is a prerequisite for a later education or career entry, we can take a closer look. Note that the minimum loan with us is 5’000 CHF and the process takes some time.
How can I best plan for the student loan repayment deadlines?
The financial plan prepared on Educaplan shows the cash flow (increase or decrease in available funds) under the liquidity section. Based on these figures, the repayment plan is discussed with the lender and the loan provider. The repayment plan must be realistically feasible, meaning sufficient (approx. CHF 10,000) liquidity should always be included as a reserve. As a rule, repayment of a loan begins after you have completed your education and started your career. The repayment dates are negotiated on the basis of liquidity. We advise you free of charge on the best repayment plan for your situation.
Who supports EDUCA SWISS and how?
We support you in funding your education and training. We advise you free of charge on financing planning and arrange educational loans from private donors or foundations at favorable conditions, upon request. We are here to support all who are of legal age and reside in Switzerland, regardless of the career goal you are pursuing through your education or vocational training, or what your grades are. Our assistance does not include awarding scholarships.
For Careleavers – former foster or residential care children – the process begins by sending a brief description of your situation and educational plans by email to careleaver@educaswiss.ch. Once registered, you will receive an individual counselling session where a coach will work with you to develop your education plan and budget. Careleavers can receive grants of up to CHF 15,000, with the remainder covered by educational loans. EDUCA SWISS will also help you find additional scholarship opportunities. The aim of the programme is to help you successfully complete your training and manage the transition to independence, supported by ongoing coaching.
Is early repayment possible as agreed in the contract?
According to the contract, early repayment of the entire loan amount in a single payment is possible at any time. If you choose this option, you will owe the lender and the lender the interest and compound interest up to the date of receipt of payment and you will owe us the outstanding fees. The Lender and the Borrower will notify us of the termination of this Agreement and you will be charged the interest and fees. Early repayment in instalments is generally not provided, but may make sense in individual cases. Please contact us about this.
What do I do if I get into financial difficulties during repayment?
Discuss your situation with your lenders and inform us about your agreement (for example, postponing the repayment date). If difficulties arise, we will be happy to support you.
How are education loans granted? Will I receive the entire financial aid right at the beginning or will it be awarded in phases?
Once you have created your financial plan on Educaplan, you will find the automatically calculated financial aid (exact amount and time) under the section Liquidity. The contract negotiations with the lenders can then be conducted accordingly. Experience shows that individual loan contracts are granted in sums between CHF 5,000 and CHF 10,000. Loans are never less than CHF 5,000.
Who are the lenders with EDUCA SWISS?
The lenders we refer are private individuals or foundations that consider vocational training to be an important element of society. By awarding student loans, they support people in their education and, therefore, make it possible for you to achieve your professional goal. The interest rates on the student loans are not profitable for the lenders, but ideally cover costs in order to provide sustainable education financing. The student loan you receive will probably enable another person to pursue their dream job once you have repaid it.
Is there a direct contact with the lenders?
As soon as a lender supports your education project, we bring you both together and open an online contract negotiation on the free planning platform, Educaplan. The terms of the contract are negotiated between you during a meeting or telephone conversation. Institutional lenders – such as foundations – hire us for the negotiation process and contract management.
EDUCA SWISS has already awarded me with several student loans. What should I do, if my education goals change?
In principle, it is always important to comply with the contractual agreements. If circumstances change and put your education goals at risk or clearly contradict your education and financing plans, you must report this to us immediately. You can get free counselling from us at any time. We will support you and help you find a good solution. If a contract adjustment is unavoidable, we will consult your lenders. They will decide whether they can agree to a proposed contract adjustment. A contract amendment requires the consent of both parties, otherwise the current contract remains valid.
I need money urgently for my education. Are quick bridge loans possible?
EDUCA SWISS cannot offer short-term financing solutions. From the time the draft file is completed online to the start of the search for a lender, the dossier takes, at best, four weeks, and usually six to ten weeks. Experience shows that it takes between one and four months to find a lender and transfer the loan. For short-term financing needs, it is therefore advisable to look for another solution. Our recommendation: Contact your family or close relatives.
What do I have to do to receive a student loan?
After you register on our free planning platform Educaplan, you will first set up your file (personal education and financial plan) with us in a free loan coaching session. With your budget, the financial needs are calculated over the entire period of the education and the first period of employment. If other sources (such as scholarships, loans from family or friends, part-time job etc.) cannot cover these financial needs, the completed file will be presented to our potential lenders. This process takes some time. We cannot offer you financial aid immediately.
Where and how should I upload my CV, photo, copy of passport, residence permit if applicable and debt collection register?
After your official registration, you will be asked to upload your documents to educaplan. Your data will of course be treated confidentially. You can find more information about this in our privacy policy.
Why does EDUCASWISS require a photocopy of my passport and debt collection register?
A passport copy gives us certainty about the identity of the person in whom we place our trust and refer to possible lenders. An extract from the debt collection register is necessary so that we and the lenders are informed about any debts you may have and so that we can assess how high your total debt is. We only arrange feasible education projects in order to avoid excessive debt.
I am not Swiss, I do not have a residence permit yet, but I am completing my education in Switzerland. Am I still eligible?
We are a non-profit foundation and our services are available to anyone who resides in Switzerland or Liechtenstein, has a valid residence permit and is pursuing a specific career goal. Proof of residence (CH/FL passport, residence permit B, C or S) is only required for the conclusion of a loan agreement.
How high is the chance of receiving a student loan?
We do not guarantee placement of education loans. The decision to grant an educational loan lies with the lenders. Experience shows that more than 90% of our students receive an educational loan and are able to fulfill their educational goals. Thanks to the free support EDUCA SWISS volunteer coaches, budgets are planned out for those whose goals are realistic. Up to now, we have rarely awarded more than 30,000 CHF in student loans for individual education projects. If a project is feasible with a higher budget, it may still be reasonable. We wish to avoid excessive debt at all costs, which is why we do not allow deficits that lead to excessive debt.
Does EDUCA SWISS only support initial training, or second and further training as well?
We support every form of training, whether initial or secondary.
Does EDUCA SWISS award scholarships?
We do not award scholarships, but arrange low-interest student loans from private individuals to motivated people who are pursuing vocational training, further education or studies. You must to pay back the student loan after your education. If you are looking for a scholarship, find out about the cantonal scholarship offices or contact stipendium.ch (it costs CHF 78 to obtain the documents). You can also use the scholarship calculator of your canton to find out whether you are eligible for a scholarship.
What fees and interests should I expect?
Preparing and following up with your file, as well as your consultations with a coach, are always free of charge for you. If you decide to obtain student loans through EDUCA SWISS, your student loan interest rate will be agreed upon between you and the lenders, with a maximum allowed interest of 3.25%. On average, our lenders grant student loans at an interest rate of 1.5%. For a loan of CHF 10,000, this amounts to CHF 150 per year. In addition, since the loan brokerage service is part of our expenses, we are responsible for fees to cover the loan brokerage and contract support as well as our membership fee (see fee regulation).
Can I extend the deadline for processing my file?
You can extend the deadline for the completion of your dossier at any time in your profile.
My password is not accepted by Educaplan.
If your password is not accepted, you can reset it to access your account. Please follow the password recovery instructions sent to you by email. Make sure that your email address is correctly associated with your account.
Still have questions? Use our chat.
Testimonials
Real feedback from grantees. Be inspired by their educational projects. And what is your goal?
Anika H. (32)
«I am so happy that I decided to take out a loan with EDUCA SWISS. I was on the verge of dropping out of university and burnout because, on top of my studies and three part-time jobs, I was fighting a bureaucratic battle with the scholarship office. Then the communication with EDUCA SWISS was so easy and straightforward, and the approval and first transfer actually came on my 30th birthday! That was a great motivation to keep going.»
Anika successfully completed her Bachelor of Arts in Game Design at the ZHdK (Zurich University of the Arts) and works as a graphic designer.
Anika H. (32)
«I am so happy that I decided to take out a loan with EDUCA SWISS. I was on the verge of dropping out of university and burnout because, on top of my studies and three part-time jobs, I was fighting a bureaucratic battle with the scholarship office. Then the communication with EDUCA SWISS was so easy and straightforward, and the approval and first transfer actually came on my 30th birthday! That was a great motivation to keep going.»
Anika successfully completed her Bachelor of Arts in Game Design at the ZHdK (Zurich University of the Arts) and works as a graphic designer.
Duarte M. (25)
«After overcoming the difficulties of dropping out of school, I discovered my passion for carpentry at the age of 19. EDUCA SWISS has enabled me to pursue higher educat ion without the financial burden, thereby laying the foundation for a promising future. Now I am firmly determined to obtain the master’s t itle in wood technology and pass on my enthusiasm for this craft to future generations.»
Diploma in Wood Technology, Centre de Formation Professionnelle Construction Geneva
Duarte M. (25)
«After overcoming the difficulties of dropping out of school, I discovered my passion for carpentry at the age of 19. EDUCA SWISS has enabled me to pursue higher educat ion without the financial burden, thereby laying the foundation for a promising future. Now I am firmly determined to obtain the master’s t itle in wood technology and pass on my enthusiasm for this craft to future generations.»
Diploma in Wood Technology, Centre de Formation Professionnelle Construction Geneva
Raphaël (31)
«EDUCA SWISS helped me at a crucial moment in my UAS education in Information Science.
A big thank you to the team and the loan coaches for their good work, guidance and support. Thanks to your help, I was able to successfully continue my educational project.»
Raphaël is an Information Science Student at Geneva Business School.
Raphaël (31)
«EDUCA SWISS helped me at a crucial moment in my UAS education in Information Science.
A big thank you to the team and the loan coaches for their good work, guidance and support. Thanks to your help, I was able to successfully continue my educational project.»
Raphaël is an Information Science Student at Geneva Business School.
Gita (49)
«As a mother of two teenagers, I would never have thought that I would one day dare to take the step into self-employment.
But I did, with the help of EDUCA SWISS. Last year, I completed my training as an art and design therapist. Thanks to the loan arranged by EDUCA SWISS, I was able to pay a large part of the tuition fees, which took a lot of pressure off us as a family of four. The support I received from the EDUCA SWISS loan coaches was extremely helpful, as they inspired, motivated and encouraged me to recognise my strengths and tackle difficulties in a concrete way.»
Gita is now working as a self employed art therapist.
Gita (49)
«As a mother of two teenagers, I would never have thought that I would one day dare to take the step into self-employment.
But I did, with the help of EDUCA SWISS. Last year, I completed my training as an art and design therapist. Thanks to the loan arranged by EDUCA SWISS, I was able to pay a large part of the tuition fees, which took a lot of pressure off us as a family of four. The support I received from the EDUCA SWISS loan coaches was extremely helpful, as they inspired, motivated and encouraged me to recognise my strengths and tackle difficulties in a concrete way.»
Gita is now working as a self employed art therapist.
Hajer (29)
«As a single mother, I have always had to overcome many hurdles in my life alone. However, I did not want to give up my desire to succeed in my education and career. When I started my apprenticeship, I realised how difficult it would be on my own. Financial worries were a terrible companion during this challenging time. Thanks to the competent advice from EDUCA SWISS, I can now continue my education without fear of over-indebtedness. I am very grateful that I can continue my apprenticeship without worries and with joy and concentration.»
Thanks to a combination of a scholarship from our partner foundation atDta and an education loan, Hajer is able to complete her training as a retail saleswoman.
Hajer (29)
«As a single mother, I have always had to overcome many hurdles in my life alone. However, I did not want to give up my desire to succeed in my education and career. When I started my apprenticeship, I realised how difficult it would be on my own. Financial worries were a terrible companion during this challenging time. Thanks to the competent advice from EDUCA SWISS, I can now continue my education without fear of over-indebtedness. I am very grateful that I can continue my apprenticeship without worries and with joy and concentration.»
Thanks to a combination of a scholarship from our partner foundation atDta and an education loan, Hajer is able to complete her training as a retail saleswoman.
Mike (30)
«From working life back to school – a dream that seemed almost impossible without financial support. As a trained chef, I saved every centime to fulfil my dream of attending a hotel management school.
Without help from my family or the state, I was on the verge of dropping out. Thanks to EDUCA SWISS, I was able to take out a loan and finish my studies on time. For about 10 days now, I have been the proud holder of the Swiss Federal Diploma in Hotel Management HF and I am incredibly grateful for the support I received on my way to success.»
As Deputy Managing Director, Mike is now taking on a leadership role.
Mike (30)
«From working life back to school – a dream that seemed almost impossible without financial support. As a trained chef, I saved every centime to fulfil my dream of attending a hotel management school.
Without help from my family or the state, I was on the verge of dropping out. Thanks to EDUCA SWISS, I was able to take out a loan and finish my studies on time. For about 10 days now, I have been the proud holder of the Swiss Federal Diploma in Hotel Management HF and I am incredibly grateful for the support I received on my way to success.»
As Deputy Managing Director, Mike is now taking on a leadership role.
Sandro (27)
«My dream is to work in the field of international relations, diplomacy or peace research. With the help of EDUCA SWISS, I was able to fulfil my wish to study for a Master’s degree in London. With close guidance and professional support, I was able to finance my studies with a loan and learn valuable lessons about finances and long-term budget planning. This has brought me a decisive step closer to my career goal!»
Sandro is an intern at a consultancy in London.
Sandro (27)
«My dream is to work in the field of international relations, diplomacy or peace research. With the help of EDUCA SWISS, I was able to fulfil my wish to study for a Master’s degree in London. With close guidance and professional support, I was able to finance my studies with a loan and learn valuable lessons about finances and long-term budget planning. This has brought me a decisive step closer to my career goal!»
Sandro is an intern at a consultancy in London.
Michaela D. (26)
«The generous financial assistance has allowed me to continue my studies with greater ease and focus on my academic development. The support has enabled me to attend valuable courses, conduct research and expand my knowledge. I am sincerely grateful not only for enabling my educational path, but also for strengthening my passion for my field of study. EDUCA SWISS will continue to motivate me to do my best and achieve my goals.»
Master of Science in Global Marketing Management, Boston University
Michaela D. (26)
«The generous financial assistance has allowed me to continue my studies with greater ease and focus on my academic development. The support has enabled me to attend valuable courses, conduct research and expand my knowledge. I am sincerely grateful not only for enabling my educational path, but also for strengthening my passion for my field of study. EDUCA SWISS will continue to motivate me to do my best and achieve my goals.»
Master of Science in Global Marketing Management, Boston University
Darko D. (32)
«Unfortunately, my parents always struggled financially, which made full-time study unaffordable for us. The financial burden of studying while working was a huge challenge. This is where EDUCA SWISS came in. Thanks to their generous support, I was able to continue my studies without having to worry about funding. My coach helped me to draw up a detailed budget so that I could better plan my expenses. I am now well on my way to successfully completing my Bachelor’s degree in Business Administration. The support has not only stabilised my financial situation, but has also given me the confidence to achieve my career goal of working in the healthcare sector. This industry is particularly close to my heart as I have faced health challenges myself in the past.»
Darko studies business administration at the University of Applied Sciences of Eastern Switzerland.
Darko D. (32)
«Unfortunately, my parents always struggled financially, which made full-time study unaffordable for us. The financial burden of studying while working was a huge challenge. This is where EDUCA SWISS came in. Thanks to their generous support, I was able to continue my studies without having to worry about funding. My coach helped me to draw up a detailed budget so that I could better plan my expenses. I am now well on my way to successfully completing my Bachelor’s degree in Business Administration. The support has not only stabilised my financial situation, but has also given me the confidence to achieve my career goal of working in the healthcare sector. This industry is particularly close to my heart as I have faced health challenges myself in the past.»
Darko studies business administration at the University of Applied Sciences of Eastern Switzerland.
Birgit (58)
«With the support of EDUCA SWISS, my long-awaited dream came true. As a single mother, it would have been virtually impossible for me to finance the three-year training course to become an individual psychological counsellor. At least that’s what I thought until I heard about EDUCA SWISS. I was assigned a loan coach who encouraged me to take this step despite my age and, above all, provided me with very professional support in drawing up a budget. My life experience, coupled with my professional experience and education, is proving to be very valuable and effective in my day-to-day work. I am very grateful for this opportunity and appreciate what EDUCA SWISS does to help people – young and old – to further their education and training.»
Birgit now works as an individual psychological counsellor (A.A.).
Birgit (58)
«With the support of EDUCA SWISS, my long-awaited dream came true. As a single mother, it would have been virtually impossible for me to finance the three-year training course to become an individual psychological counsellor. At least that’s what I thought until I heard about EDUCA SWISS. I was assigned a loan coach who encouraged me to take this step despite my age and, above all, provided me with very professional support in drawing up a budget. My life experience, coupled with my professional experience and education, is proving to be very valuable and effective in my day-to-day work. I am very grateful for this opportunity and appreciate what EDUCA SWISS does to help people – young and old – to further their education and training.»
Birgit now works as an individual psychological counsellor (A.A.).
Danai (30)
«There are moments in life when our dreams, the paths we have taken, are confronted with reality. A reality that is more difficult or complicated than we expected, problems we could not have foreseen. And that’s OK, it can happen. The important thing is not to give up, but to find the motivation to find a solution. And that is what EDUCA SWISS provided!
The most remarkable thing is that the Foundation does not care where you come from. What matters is the destination, where you want to go!
My academic education was very important to me, my absolute priority, and EDUCA SWISS offered me the support to achieve this goal. Support that was not only financial, but also human. The team was always there for me, answering all my questions and giving me advice whenever I needed it.
I have learnt that it is important to plan well and to regularly assess and reassess the situation in order to anticipate difficulties. EDUCA SWISS helped me to turn a difficult situation into a positive experience that I will always remember with a smile.»
Danai now works in an architectural office in Zurich and has paid off her educational loan in full.
Danai (30)
«There are moments in life when our dreams, the paths we have taken, are confronted with reality. A reality that is more difficult or complicated than we expected, problems we could not have foreseen. And that’s OK, it can happen. The important thing is not to give up, but to find the motivation to find a solution. And that is what EDUCA SWISS provided!
The most remarkable thing is that the Foundation does not care where you come from. What matters is the destination, where you want to go!
My academic education was very important to me, my absolute priority, and EDUCA SWISS offered me the support to achieve this goal. Support that was not only financial, but also human. The team was always there for me, answering all my questions and giving me advice whenever I needed it.
I have learnt that it is important to plan well and to regularly assess and reassess the situation in order to anticipate difficulties. EDUCA SWISS helped me to turn a difficult situation into a positive experience that I will always remember with a smile.»
Danai now works in an architectural office in Zurich and has paid off her educational loan in full.
Bénédict (36)
«After graduating with a degree in Sustainable Finance, I wanted to pursue a meaningful career in social entrepreneurship as I am fascinated by this field. Thanks to the support of EDUCA SWISS, I was able to plan and realise this life project, for which I will always be grateful.»
Bénédict successfully completed his MBA programme at IE Business School in Madrid.
Bénédict (36)
«After graduating with a degree in Sustainable Finance, I wanted to pursue a meaningful career in social entrepreneurship as I am fascinated by this field. Thanks to the support of EDUCA SWISS, I was able to plan and realise this life project, for which I will always be grateful.»
Bénédict successfully completed his MBA programme at IE Business School in Madrid.
Stay informed
Sign up now for our newsletter and get important tips on how to finance your education and training.
EDUCA SWISS is supported among others by
Beni Würth
Council of States St. Gallen
«EDUCA SWISS is a sustainable and effective complement to cantonal education funding. I wholeheartedly support this charitable civil society initiative.»
Matthias Aebischer
National Council Bern
«Education is a human right and should be accessible to everyone, regardless of their social background or financial starting position. I am committed to this along with EDUCA SWISS Foundation.»
Matthias Michel
Council of States Zug
«I support EDUCA SWISS in its goal of ensuring that every ambitious person in Switzerland can complete an education or training program – regardless of their financial situation or social background.»
Sandra Locher Benguerel
Former National Councillor, member of the LCH Executive Board, teacher
«Education is the key to a self-determined life and contributes to a strong and stable society. That’s why I support EDUCA SWISS in its goal to create fair opportunities.»
Professor Dr. Theo Wehner
Industrial Psychologist
Theo Wehner studied psychology and sociology, is now a visiting professor at the University of Bremen and professor emeritus at the Center for Organizational and Work Sciences at ETH Zurich University. As an expert, he works for leading foundations that finance education. His research focuses on the meaning of professional work and the act of becoming in today’s society. How do we learn through experience – especially in dealing with mistakes and failure? What is the nature of volunteer work? How do we define effective support and guidance for people in their professional development? These questions are highly relevant for the EDUCA SWISS’ work especially.
Peter F. Weibel
Expert on Business and Foundations
Peter F. Weibel studied business administration at the University of Zurich and spent many years in leading positions for leading companies in Switzerland, including as CEO of PwC from 1988 to 2003 and as a member of the Board of Directors of Credit Suisse Group from 2004 to 2012. For 15 years now, Peter F. Weibel has committed professionally to education, social issues and culture. He was awarded the Medal of Honor of the City of Zurich for his services as long-time President of the Festivals. He contributed to the development of several foundations, including the Pestalozzi Foundation. Since 2012, he has presided over the Foundation of the University of Zurich. For EDUCA SWISS, Peter Weibel’s experience in professional governance, sustainable fundraising and especially in impact-oriented leadership is particularly valuable.
