{"id":196013,"date":"2026-02-09T12:28:09","date_gmt":"2026-02-09T11:28:09","guid":{"rendered":"https:\/\/www.erasmusmagazine.nl\/en\/?p=196013"},"modified":"2026-02-09T12:28:10","modified_gmt":"2026-02-09T11:28:10","slug":"leenstelsel-hield-studenten-bij-ouders-thuis","status":"publish","type":"post","link":"https:\/\/www.erasmusmagazine.nl\/en\/2026\/02\/09\/leenstelsel-hield-studenten-bij-ouders-thuis\/","title":{"rendered":"Loan system kept students living at home with parents"},"content":{"rendered":"\n<p class=\"has-intro-font-size\">Students stayed living in the house of their parents for longer after the basic grant was abolished. Before, 33 per cent were still living at home after five years of study, but with the introduction of the loan system this rose to 42 per cent.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"905\" src=\"https:\/\/www.erasmusmagazine.nl\/wp-content\/uploads\/sites\/8\/2017\/02\/24103343\/EM-thuis-web-1280x905.jpg\" alt=\"\" class=\"wp-image-183\" srcset=\"https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/2017\/02\/24103343\/EM-thuis-web-1280x905.jpg?image-crop-positioner-ts=1766139023 1280w, https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/2017\/02\/24103343\/EM-thuis-web-875x619.jpg?image-crop-positioner-ts=1766139023 875w, https:\/\/www.erasmusmagazine.nl\/en\/wp-content\/uploads\/sites\/8\/2017\/02\/24103343\/EM-thuis-web-300x212.jpg?image-crop-positioner-ts=1766139023 300w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><figcaption class=\"wp-element-caption\"><p data-component=\"image-credits\" class=\"flex flex-wrap gap-2 items-center text-base\">\n\t<span aria-hidden=\"true\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M19.5 5.25H16.9012L15.6234 3.33375C15.555 3.23114 15.4623 3.147 15.3535 3.08879C15.2448 3.03057 15.1233 3.00007 15 3H9C8.87665 3.00007 8.75522 3.03057 8.64648 3.08879C8.53773 3.147 8.44502 3.23114 8.37656 3.33375L7.09781 5.25H4.5C3.90326 5.25 3.33097 5.48705 2.90901 5.90901C2.48705 6.33097 2.25 6.90326 2.25 7.5V18C2.25 18.5967 2.48705 19.169 2.90901 19.591C3.33097 20.0129 3.90326 20.25 4.5 20.25H19.5C20.0967 20.25 20.669 20.0129 21.091 19.591C21.5129 19.169 21.75 18.5967 21.75 18V7.5C21.75 6.90326 21.5129 6.33097 21.091 5.90901C20.669 5.48705 20.0967 5.25 19.5 5.25ZM15.375 12.375C15.375 13.0425 15.1771 13.695 14.8062 14.25C14.4354 14.8051 13.9083 15.2376 13.2916 15.4931C12.6749 15.7485 11.9963 15.8154 11.3416 15.6852C10.6869 15.5549 10.0855 15.2335 9.61351 14.7615C9.14151 14.2895 8.82007 13.6881 8.68985 13.0334C8.55962 12.3787 8.62646 11.7001 8.88191 11.0834C9.13735 10.4667 9.56993 9.93964 10.125 9.56879C10.68 9.19794 11.3325 9 12 9C12.8951 9 13.7535 9.35558 14.3865 9.98851C15.0194 10.6214 15.375 11.4799 15.375 12.375Z\" fill=\"currentColor\"\/>\n<\/svg>\n<\/span>\n\t<span class=\"sr-only\">Image by:<\/span>\n\n\t\t\t<span>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.erasmusmagazine.nl\/en\/persons\/esther-dijkstra\/\" class=\"underline hocus:no-underline decoration-1 underline-offset-2\">Esther Dijkstra<\/a>\t\t\t\t\t<\/span>\n\t<\/p>\n<\/figcaption><\/figure>\n\n\n\n<p>From September 2015, new students no longer received the basic grant. That made studying thousands of euros more expensive. Students promptly didn\u2019t move out of their parents\u2019 homes as quickly anymore. Many even stayed at home for their entire study programme, according to new numbers by Statistics Netherlands.<\/p>\n\n\n\n<p>There are more reasons why some students remain living at home: there is a shortage of housing and rents are rising. But still, the loan system clearly had a major impact.<\/p>\n\n\n\n<p>Statistics Netherlands looked at graduates who took five years to complete their studies. How many of them stayed living with their parents throughout that time? There is a clear kink in the graph at the introduction of the loan system in 2015.<\/p>\n\n\n\n\t<div data-name=\"acf\/localfocus\" class=\"mt-6\" >\n\t\t\t\t\t<iframe\n\t\t\t\tclass=\"overflow-hidden w-full\"\n\t\t\t\tframeborder=\"0\"\n\t\t\t\tstyle=\"height: 600px;\"\n\t\t\t\tsrc=\"https:\/\/localfocuswidgets.net\/6989c19cd8184\">\n\t\t\t<\/iframe>\n\t\t\t<\/div>\n\n\n\n<p>Before the loan system, around 40 per cent of male students lived at home for their entire studies; suddenly this became more than 50 per cent. Among women, the figure rose from just under 25 per cent to 34 per cent.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Move out later<\/h2>\n\n\n\n<p>Students in higher professional education were always more likely to stay at home than university students. But everywhere the same pattern appears: a trend break appears in the year the loan system was introduced. Previously, 20 per cent of university students and 40 per cent of higher professional education students stayed at home for their entire studies, and this jumped to more than 30 and more than 50 per cent respectively.<\/p>\n\n\n\n<p>Those who do move out, do so later than before. Here too, the figures show a kink: the \u2018unlucky generation\u2019 under the loan system clearly started living independently later than the cohorts before them.<\/p>\n\n\n\n<p>Some students may, incidentally, be a bit careless and forget to report their move to the municipality. Under the loan system, this hardly mattered anyway: you no longer received a grant for students living away from home. But the trend is clear. Even the Covid crisis had less impact than the loan system.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Harmful<\/h2>\n\n\n\n<p>The National Student Union sees the new Statistics Netherlands figures as confirmation that students were hit hard by the loan system. Moreover, the situation on the housing market has not improved since the basic grant returned in 2023. \u201cIt is really harmful that young people cannot take their next step\u201d, says chair Maaike Krom. \u201cBecause of the high rents, students have to count every penny to get a place of their own.\u201d<\/p>\n\n\n\n<p>Almost half of current students are still living at home, figures from student housing providers showed last autumn. Because of the housing shortage and high rents, some give up hope: they do not even try to find a room anymore.<\/p>\n\n\n\n\t","protected":false},"excerpt":{"rendered":"<p>Students stayed living in the house of their parents for longer after the basic grant was abolished. Before, 33 per cent were still living at home after five years of study, but with the introduction of the loan system this rose to 42 per cent. From September 2015, new students no longer received the basic [&hellip;]<\/p>\n","protected":false},"author":36,"featured_media":183,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_trash_the_other_posts":false,"editor_notices":[],"footnotes":""},"categories":[3800],"em_content_type":[24778],"class_list":["post-196013","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-housing","em_content_type-nieuws"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Loan system kept students living at home with parents<\/title>\n<meta name=\"description\" content=\"Students stayed living in the house of their parents for longer after the basic grant was abolished. 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