You can apply only if you are of legal age and a resident in Italy. If you are a foreign student, a residence permit is not sufficient; you must have your official residency in an Italian municipality.
Financing
Discover financial support and facilitations for academic programs at H-FARM College.
Intesa Sanpaolo “Per Merito” Financing
Thanks to our collaboration with Intesa Sanpaolo, students enrolled in one of our Bachelor’s Degrees and Master’s Degrees in partnership with the University of Chichester can apply for the “Per Merito” financing to support the tuition fees throughout the entire academic journey.
The “Per Merito” loan offers favorable economic conditions designed to meet the student’s needs. Repayment begins one year after completing studies, and no collateral is required as H-FARM guarantees the success of every student.
FULLY FINANCE THE ENTIRE TUITION FEE
Use the financing to cover the entire registration cost for Bachelor’s Degrees and Master’s Degrees in partnership with the University of Chichester.
H-FARM COLLEGE AS YOUR GUARANTOR
No guarantee is required from your family; the loan will be in your name, and we will act as guarantor.
START REPAYING THE LOAN AFTER ONE YEAR
Once your studies are completed, you will have 12 months to find employment. After this period, you will begin repaying the loan according to the agreed-upon terms at the bank branch.
CONDITIONS OF THE FINANCING
Open a “Per Merito” current account at the Intesa Sanpaolo branch of your choice during the loan application process. Interest rates and repayment conditions are agreed upon with Banca Intesa Sanpaolo.
Write to admission.edu@h-farm.com for more information.
What do I need to do to apply for “Per Merito” financing?
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Enroll in the Bachelor’s Degree by completing the procedure outlined in the admission notice and paying the first installment.
Contact admission.edu@h-farm.edu to obtain the credentials necessary to initiate the request.
After 14 days from enrollment, start the loan application on the Intesa Sanpaolo website in the “Per Merito” section. Indicate H-FARM as the reference institution and use the code provided to you.
Choose the type of loan – Ordinary category (covering the full tuition fee) or facilitated category (covering a partial tuition fee if a scholarship is awarded).
H-FARM College will proceed with the loan approval. You will receive an authorization code from Intesa Sanpaolo, at which point you can make an appointment at any Intesa Sanpaolo branch to complete all the necessary procedures.
Financable Amount
The financable amount varies depending on the contribution required for enrollment.
- Students with a full contribution (€8,278.00 for the academic year 2023/24) can request a maximum financable amount of €24,000.
- Students with an ISEE below €30,000 (up to €24,000) eligible for facilitated contribution can request a maximum financable amount of €4,800.
- It is not possible to apply for financing if you belong to the minimum contribution category (ISEE below €24,000).
The disbursement occurs in multiple installments following the verification of the required criteria as follows:
- YEAR OF COURSE
- REQUIREMENTS
- 1ST YEAR
- Enrollment completed
- 2ND YEAR
- At the beginning of the second year, obtained at least 48 CFUs
- 3RD YEAR
- At the beginning of the third year, obtained at least 114 CFUs
F.A.Q. “Per Merito”
Who can apply for the financing? 
When will I receive the credentials to start the request?
Once you have completed the enrollment in the Bachelor’s Degree by following the procedure outlined in the admission notice and paying the first installment, you need to contact the Admission Team at admission.edu@h-farm.com to obtain the necessary credentials to initiate the request.
Where can I find the credentials to start the request?
You will find the required credentials to start the request in the confirmation email you receive from admission.edu@h-farm.com
When can I apply for the financing?
After receiving the credentials from admission.edu@h-farm.com , you can initiate the financing request by completing the online procedure on the Intesa Sanpaolo website, indicating H-FARM as the reference institution and stating the name of the course you are enrolled in.
Make sure to verify that Banca Intesa Sanpaolo applies the conditions agreed upon in the convention with H-FARM.
What happens if my financing request is not granted?
The chances of the request being denied are close to zero. Banca Intesa Sanpaolo only denies the loan if you are already in a default situation.
When do I have to start repaying the financing?
You will start repaying the loan after a grace period of 12 months from the end of your studies, according to the agreed-upon terms at the bank branch.
Whom can I contact for more information about the loan?
For doubts or questions about the financing, you can contact one of the Banca Intesa Sanpaolo branches or consult the following page: Intesa Sanpaolo “Per Merito.”
BNL “Futuriamo” Financing
Thanks to the collaboration with BNL, students enrolled in an academic program at H-FARM College can meet the necessary expenses for their educational journey: tuition fees, purchase of textbooks, PC/Tablet acquisition, accommodation expenses, and transportation expenses for students living away from home. The financing is valid for all H-FARM College programs.
BNL Futuriamo offers a lump sum disbursement, with the possibility of deferring the capital repayment for up to 36 months from the disbursement date. For younger students who have not yet entered the workforce, co-signing with a parent/guardian is an option.
All information is available on the dedicated web page.
DECIDE THE AMOUNT
Request up to €70,000 to finance your studies in Italy.
ADDITIONAL SUPPORT
Request and use the credit to cover part of your accommodation or other expenses that you will incur during your academic journey.
DURATION
Up to 10 years, with the possibility of deferring the capital repayment from 12 to 36 months from the disbursement date.
Have a question?
Write to admission.edu@h-farm.com for more information.
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