{"type":"document","data":{"id":"f7a9be1e-1a49-4157-95cf-1f24452423ea","localeString":"en-GB","publishDate":"2026-04-23T17:01:25.845+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Are you about to graduate or have you just finished your studies? Then there are a few practical things you’ll need to take care of. Check what you know and do."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Are you about to graduate or have you just finished your studies? That’s definitely something to celebrate!  At the same time, there are a few practical things you’ll need to take care of. Below you’ll find what you need to know and do, so you can tick everything off your list.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/ba34f827-4c63-4bc5-98ee-8cab7ab023da/Group-of-graduating-students-wearing-caps-and-gowns","type":"image","width":6016,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/bc8bff9c37b2215/original/Group-of-graduating-students-wearing-caps-and-gowns.jpg","extension":"jpg"},"title":"Tips when you’re graduating"},"backLink":{"textLink":{"url":"/en/personal/students","text":"Banking for students"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"What do you need to arrange for when you graduate?"},{"componentType":"paragraph","richBody":{"value":"<ul class=\"check-mark\"><li><strong>Deregister from your study programme</strong><br />If you’re graduating from a university of applied sciences (HBO) or a research university (WO), deregister via <a href=\"https://info.studielink.nl/nl\">Studielink.</a> If you’re graduating from MBO, you deregister directly with your educational institution. Make sure you choose your deregistration date carefully.</li><li><strong>Stop your student finance </strong><br />You need to stop your student finance yourself; this does not happen automatically when you deregister. <a href=\"http://duo.nl/particulier/studiefinanciering-stopzetten.jsp\">Stop your student finance via DUO.</a> Make sure to stop it no later than the first day of the month in which you are no longer entitled to student finance.</li><li><strong>Stop your student travel product</strong><br />Don’t forget to stop your student travel product on time. After graduating, you’re no longer allowed to use it. You can stop it at any public transport ticket machine. If you don’t do this (or do it too late), you may receive a substantial fine. <a href=\"http://duo.nl/particulier/studentenreisproduct-stopzetten.jsp#:~:text=Hoe%20stopzetten%3F%201%20Ga%20naar%20de%20ophaalautomaat%20Ophaalautomaten,reisproducten%20of%20om%20er%20saldo%20op%20te%20zetten.\">Check the DUO student travel product page</a> to see the exact deadline.<p>Good to know: if you apply for NS Flex Off-Peak Discount within 6 months after graduating, you’ll get the first year free from NS. This subscription gives you 40% off travel during off‑peak hours, weekends and public holidays. More information can be found on the <a href=\"https://www.ns.nl/studenten/afgestudeerd\">NS website.</a></p></li><li><strong>Claim back tuition or course fees </strong><br />Don’t miss out. If you stop your HBO or WO programme early and deregister before 31 May, you may be entitled to a partial refund of your tuition fees from your institution.  If you stop your MBO program early and deregister before 1 May, you may be able to partly <a href=\"http://duo.nl/particulier/lesgeld/lesgeld-terugvragen-of-termijnregeling-stopzetten.jsp\">reclaime your course fees via DUO.</a></li><li><strong>Check your benefits</strong><br />Did you receive healthcare benefit and/or housing benefit during your studies? Once you’ve graduated and started working, you may no longer be eligible. To avoid having to repay money later, check your situation using the benefits <a href=\"https://www.belastingdienst.nl/wps/wcm/connect/nl/toeslagen/content/hulpmiddel-proefberekening-toeslagen\">calculation tool</a> from the Dutch Tax Authorities.</li><li><strong>Review your insurance </strong><br />After graduating, you may no longer qualify for special student insurance policies. It’s a good idea to check with your insurer what applies to you and adjust your cover if neededinsurance where necessary. For example: your health insurance, contents insurance and personal liability insurance. Are you still covered under your parents’ insurance for anything? If so, check whether you now need to take out your own policy.</li><li><strong>From Student Account to Current Account</strong><br />You may have an ING Student Account. Once you graduate, we automatically convert this into a Current Account, you don’t need to do anything yourself. The Student Account is free, but the Current Account does have fees. You can find more information on the <a href=\"http://www.ing.nl/particulier/student/studentenrekening-omzetten-naar-betaalrekening\">student account to current account page.</a></li><li><strong>Insight into your student debt</strong><br />During your studies, you’ve probably built up some student debt. It may not be fun, but it’s important to check exactly how much you owe via DUO. On the <a href=\"https://duo.nl/particulier/studieschuld-terugbetalen/berekening-maandbedrag.jsp\">repayment of your student debt page</a>, you can calculate an estimate of what your monthly repayments might be. You don’t have to start repaying until 2 years after graduating, although you can choose to start earlier. This depends on your personal situation.</li><li><strong>Continuing your studies</strong><br />Have you obtained your diploma but want to continue studying? Make sure to register your new program before the deregistration date of your previous one. This helps prevent gaps in your student finance and student travel products. Also check whether you’re still eligible to these, and for how long. If you move from MBO to HBO, your entitlement to student finance and the student travel product starts again. More information is available via <a href=\"https://duo.nl/particulier/opleiding-stoppen-of-wijzigen/van-opleiding-veranderen.jsp\">DUO.</a></li></ul>"}},{"componentType":"sectionTitle"},{"componentType":"paragraph","title":"Going travelling?","richBody":{"value":"<p>Not starting work right away because you want to explore the world first? Take a look at the page. <a href=\"http://www.ing.nl/particulier/student/goed-voorbereid-op-reis\">What do you need to arrange when you go traveling?</a></p>"},"alignedImage":{"position":"bottom","transformBaseUrl":"https://assets.ing.com/transform/3b922623-6fae-497e-9eb3-3c9be371095b/Woman-looking-closely-at-a-world-map-hanging-on-a-red-wall","altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/1ef29aac7f2f5442/original/Woman-looking-closely-at-a-world-map-hanging-on-a-red-wall.jpg","extension":"jpg"}},{"componentType":"linkList","iconTitle":{"title":"All links in one place"},"textLinks":[{"url":"https://info.studielink.nl/nl","text":"Studielink"},{"url":"https://duo.nl/particulier/studiefinanciering-stopzetten.jsp","text":"Stop student finance"},{"url":"https://duo.nl/particulier/studentenreisproduct-stopzetten.jsp","text":"Stop student travel product"},{"url":"https://www.ns.nl/studenten/afgestudeerd","text":"NS off-peak hours subscription"},{"url":"https://duo.nl/particulier/inschrijven-en-betalen-opleiding/","text":"Claim back tuition or course fees"},{"url":"https://www.belastingdienst.nl/wps/wcm/connect/nl/toeslagen/toeslagen","text":"Everything about benefits"},{"url":"/en/personal/students/convert-student-account-to-current-account","text":"From Student Account to Current Account"},{"url":"https://duo.nl/particulier/rekenhulp-studiefinanciering.jsp#/nl/terugbetalen","text":"Monthly student debt repayment"},{"url":"/en/personal/students","text":"Everything for students"},{"text":"Continue studying"}]}]}}}