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ESCP offers several options for students to fund their education through bank loans, scholarships, and partnerships with financial institutions. Below is an overview of loan opportunities, with specific details for students studying in France and general options available for other campuses.
Paris Campus
For students at the Paris campus, ESCP has established partnerships with several French banks, including BNP Paribas, BRED and Société Générale, to offer student loans with favourable terms and deferred payback options. However, please note that French banks typically require a guarantor residing in France.
Master of Science: Students can apply for bank loans in both their home country and France (with guarantor). These loans often come with attractive interest rates and repayment terms.
Bachelor of Science: Recent ESCP students have secured loans with interest rates as low as 1.75%.
Master in Management: Given the high earning potential upon graduation, French banks offer competitive loan packages to Master in Management students, with rates starting at 3.5%.
For further details or assistance, students are encouraged to contact the Student Affairs office at their campus
Australia
Bank Name Commonwealth Bank of Australia
Interest rate 5.5% - 6.5%
Standard Duration Up to 10 years
Max Amount AUD 100,000 (approx. €62,300)
Eligibility Criteria Australian citizens or permanent residents
Website CBA Student Loan
Austria
Bank Name Erste Bank
Interest Rate 3% - 5%
Standard Duration Up to 10 years
Max Amount Up to €30,000
Eligibility Criteria Austrian or EU citizens enrolled in a degree program
Website Erste Bank Student Loan
Belgium
Bank Name ING Belgium
Interest Rate Options available, please check with the bank
Standard Duration 6 months to 7 years
Max Amount Up to €50,000
Eligibility Criteria Must be 18 years old
Website ING Belgium
Brazil
Bank Name Banco do Brasil
Interest Rate 8.50%
Standard Duration 10 years
Max Amount BRL 100,000 (approx. €17,000)
Eligibility Criteria Brazilian citizens, enrolled in universities
Website Banco do Brasil
Canada
Bank Name RBC Royal Bank
Interest Rate Prime + 1%
Standard Duration Up to 10 years
Max Amount CAD 100,000 (approx. €68,300)
Eligibility Criteria Canadian citizens or permanent residents enrolled in a degree program
Website RBC Student Loans
China
Bank Name Bank of China
Interest Rate Variable, typically around 5.6% to 6.55%
Standard Duration Up to 14 years
Max Amount Up to total cost of education
Eligibility Criteria Chinese national enrolled in a degree program
Website Bank of China Student Loan
Colombia
Bank name Bancolombia
Interest Rate 10.00%
Standard Duration 5 years
Max Amount COP 200,000,000 (approx. €42,000)
Eligibility Criteria Colombian nationals, proof of enrollment
Website Bancolombia
Denmark
Bank name Danske Bank
Interest Rate 4% - 6% (12-month Euribor)
Standard Duration Up to 10 years
Max Amount Up to DKK 300,000 (approx. €40,200)
Eligibility Criteria Danish nationals or EU citizens
Website Danske Bank Student Loan
Germany
Bank Name BAföG
Interest Rate 0%
Standard Duration 20 years
Max Amount Up to €934 a month
Eligibility Criteria 18 to 45 years old, German Resident, and registered to a higher education institution
Website BAföG for Students
Bank Name KfW
Interest Rate 8%
Standard Duration 25 years
Max Amount Up to €650 a month
Eligibility Criteria 18 to 44 years old and fall under at least one:
Website KfW
Greece
Bank Name National Bank of Greece
Interest Rate 6% - 8%
Standard Duration Up to 7 years
Max Amount Up to €25,000
Eligibility Criteria Greek nationals or EU citizens
Website NBG Student Loans
India
Bank Name State Bank of India (SBI)
Interest Rate 7.50% - 10.05%
Standard Duration Up to 15 years
Max Amount Up to ₹1.5 crore (approx. €187,000)
Eligibility Criteria Indian nationals enrolled in a full-time degree or diploma course
Website SBI Student Loan
Indonesia
Bank Name HSBC
Interest Rate 0.88% Monthly (~10.5% APR)
Standard Duration 3 years
Max Amount IDR 300 million ( approx. €17.000)
Eligibility Criteria Indonesian citizens 21 years to 55 years old and at least 1 year of employment in the current company
Website HSBC Personal Loans
Italy
Provider Name Habacus
General Eligibility Applicants must be resident in Italy and hold a valid Italian Fiscal code (codice fiscale).
Academic Requirements: Bachelor students who hold a high school diploma with a minimum grade of 75/100, and Master students who hold a degree with a minimum final grade equivalent to 100/110 may be eligible, with no guarantor or proof of income required.
Loan repayment Begins 30 months after the final loan disbursement.
Through ESCP's partner Habacus, students can explore the available funding options, check their eligibility, and receive support throughout the application process.
Website Habacus Loan Comparison Tool
Bank name Banca Sella
Interest Rate The nominal annual interest rate for the variable rate financing is 7.80%. The annualized rate is 8.084981%. The TAEG for the variable rate example is 8.08%.
Standard Duration Up to 10 years
Maximum Amount Up to 30.000€
Eligibility Criteria Italian national or permanent resident for the entire duration of the loan.
Website Banca Sella Prestito d’Onore
Bank name BNL
Interest Rate TAN 4.75%, APR 4.91%
Standard Duration Up to 10 years
Maximum Amount Up to 70.000€
Eligibility Criteria Must be Italian national or permanent resident for the entire duration of the loan.
Website BNL Futuriamo
Bank name Intesa Sanpaolo
Interest Rate 2.50%
Standard Duration 1 to 30 years
Maximum Amount Up to 50.000€
Website Intesa Sanpaolo Per Merito
Please note that ESCP Business School does not have special conditions or agreements and you should follow the standard procedure, you do not need the authorisation of the school.
Lebanon
Bank name Bank of Beirut
Interest Rate 6.5% - 8%
Standard Duration Up to 10 years
Max Amount Up to €46,700
Eligibility Criteria Lebanese nationals with admission to a recognised university
Website Bank of Beirut Student Loan
Luxemburg
Bank Name Banque et Caisse d'Épargne de l'État
Interest Rate 2.5% - 4%
Standard Duration Up to 10 years
Max Amount Up to €50,000
Eligibility Criteria Luxembourg nationals or EU citizens
Website BCEE Student Loan
Spain
• Becas Avenir: Scholarships for studying in France.
India
• Charpak Scholarship: Supports Indian MBA students in France.
Latin America
• ICETEX (Colombia): €10,000 scholarships for MBA students.
• COLFUTURO (Colombia): €10,000 scholarships for MBA students.
• FUNED CONACYT (Mexico): €7,000 scholarships for MBA students.
• Talento en Marcha (Mexico): Education financing options.
• IFARHU (Panama): €7,000 scholarships for MBA students.
United States
• Serge Bellanger Scholarship: Up to $10,000 for American students studying in France.
China
• Bank of China: Loans for tuition and living expenses abroad.
Israel
• ARINGO: Scholarship opportunities.
Other
If your country is not mentioned here, there might still be financing options available. To know more, please contact the Admission Office of your campus

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