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1. What is the scope of the student education loan, and which students are eligible to apply?Citizens of the Republic of Azerbaijan studying at state and private educational institutions officially operating in the country at the bachelor’s level of higher education (including basic higher medical education), master’s level (including residency), secondary specialized education, as well as at the technical and higher technical vocational education levels, are eligible to apply.
The Student Education Loan (TTK) is granted to citizens enrolled in full-time and paid (tuition-based) education within the normative study period (8 semesters). At the time of application, the student must not have any academic debt (failed courses) from the previous semester. -
2. What types of student education loans are available?Social (annual rate 2%) and Standard (annual rate 6%).
*If the right to a concession is obtained based on academic performance – 0%
https://e-ttkf.edu.az/Account/CreditCalculator -
3. Which students are eligible to benefit from the Social Student Education Loan?Eligible categories for the Social Student Education Loan include:
Members of families receiving targeted state social assistance;
Persons with disabilities of Group III (31–60% impairment of body functions);
Those receiving a labor pension due to the loss of a breadwinner;
Those receiving a social allowance due to the loss of a breadwinner;
Persons awarded the title of “War Veteran” for participation in combat operations for the territorial integrity of the Republic of Azerbaijan (when pursuing additional higher, secondary specialized, or higher technical vocational education);
Students whose both parents (or the single parent/legal guardian, if applicable) fall into the following categories:
• persons with disabilities of Group I or II (61–100% impairment of body functions);
• officially registered as unemployed;
• recipients of an old-age labor pension;
• recipients of an old-age social allowance;
• recipients of a pension due to the loss of a breadwinner;
• recipients of the Presidential stipend for caring for persons with 81–100% impairment of body functions or for children with disabilities under 18 years of age;
• cases where one parent is serving a sentence of imprisonment (fixed-term, life, or restriction of freedom) and the other parent belongs to one of the above-mentioned categories.
Note: The student must not have any academic debt (failed subjects/modules) in the semester preceding the one for which the loan is granted. -
4. What conditions must a student meet in order to be eligible for the Standard Student Education Loan?If a student does not have the relevant status required to receive the Social Student Education Loan, they may benefit from the Standard Student Education Loan provided that both of the following conditions are met:
• For the first semester of the first academic year, the student must have an entrance exam score above the approved minimum threshold (see Question 5); for subsequent semesters, the GPA must be 71 or higher (for technical vocational education level — interim assessment results of grades 4 or 5);
• At least 20% of the annual tuition fee must be paid.
Note: At the time of application, the student must not have any academic debt (failed subjects/modules) from the previous semester for which the loan is being granted. -
5. What is the minimum entrance exam score required from a first-year student in the first semester to obtain the Standard Student Education Loan?• For the bachelor’s level — 250 points in the exam conducted by the State Examination Center (for programs requiring special talent — 100 points);
• For the SAT exam — 1200 points;
• For the master’s level — 50 points (for programs requiring special talent — 30 points);
• For the sub-bachelor level — between 110 and 300 points (for programs requiring special talent — 40 points);
• For higher technical and technical vocational education — the arithmetic average of the final grades in the relevant subjects on the school-leaving certificate must be at least 3. -
6. What amount of the Student Education Loan can a student receive for each semester?The amount of the Student Education Loan per semester is determined based on the officially approved annual tuition fee for the respective program at the educational institution (divided equally per semester).
For example, if the annual tuition fee is 2000 AZN:
Social Loan:
First semester: 1000 (2000/2) AZN;
Second semester: 1000 (2000/2) AZN.
Standard Loan:
First semester: 600 (2000/2 – 2000*20%) AZN;
Second semester: 1000 (2000/2) AZN.
Education loan calculator: https://e-ttkf.edu.az/account/CreditCalculator
Note: For the Social Loan, the full tuition fee paid by the student for the semester may be refunded. For the Standard Loan, the amount exceeding 20% of the annual tuition fee may be refunded to the student or transferred to the next semester by the educational institution. This is regulated by the internal rules of the institution. -
7. For what duration is the Student Education Loan granted?The duration of the Student Education Loan depends on the student’s current level of education, as well as concessions and deferments granted in accordance with the Rules approved by the relevant decision of the Cabinet of Ministers (see Questions 9–10).
For example:
at the bachelor’s level — from 14 to 22 years;
at the master’s level — from 12 to 18 years;
at the secondary specialized and vocational education levels — from 12 to 19 years. -
8. What are the periods during which no repayment or interest is required under the Student Education Loan?«During the period of full-time study, the grace period, and the deferment period (see Questions 9–10).
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9. Is the student required to repay the Student Education Loan immediately after graduation?After graduation, the student is granted 2 years to engage in employment or entrepreneurial activity before beginning repayment of the Student Education Loan. This period is called the grace period, and if it is not established that the borrower is engaged in employment or entrepreneurial activity during this time, repayment of the loan is not required and no interest is charged on the loan taken.
-
10. In which cases and for what duration is deferment granted?During the repayment period of the Student Education Loan, if the following situations occur, a deferment is granted and the loan agreement is extended for the corresponding period:
• Full-time study at a higher level of education;
• Period of compulsory military service;
• Imprisonment or restriction of freedom for up to 4 years;
• For employed borrowers, the period of partially paid social leave due to pregnancy and childbirth, as well as childcare until the child reaches the age of three;
• The period of caring for persons with 81–100% impairment of body functions or for children with disabilities under the age of 18. -
11. What concessions are provided in education loans and for which students?Concessions in interest calculation and loan repayment, depending on academic performance, are based on the student’s educational results.
Specifically:
• For the Social Loan: students with a GPA of 71 or higher (for those in higher technical vocational education programs — an interim assessment score of 71 or higher; for those in technical vocational education — an interim assessment result of grades 4 or 5) are not charged interest on the loan for that semester;
• For the Standard Loan: students with a GPA of 91 or higher (for those in higher technical vocational education programs — an interim assessment score of 91 or higher; for those in technical vocational education — an interim assessment result of grade 5) are not charged interest on the loan for that semester;
• If, during the entire normative period of study, a student maintains a GPA of 91 or higher (for higher technical vocational education programs — an interim assessment score of 91 or higher; for technical vocational education — an interim assessment result of grade 5), then 50% of the Social Loan and 25% of the Standard Loan are forgiven.
*These concessions are applied at the end of each semester and education level in accordance with the initially signed agreements. -
12. When the Student Education Loan is issued, are additional obligations required by the bank, and does the borrower’s past credit history have any impact?When the Student Education Loan is granted, no collateral or guarantee is required, and the student’s previous credit history is not taken into account.
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13. If a graduate engages in employment or entrepreneurial activity during the grace period, do the Student Education Loan obligations become active?Yes, if it is established that the graduate has engaged in employment or entrepreneurial activity before the end of the grace period, the obligation to repay the loan arises from the date this activity commenced.
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14. Against which risks is the borrower insured, and how is the insurance fee under the Student Education Loan calculated and paid?The borrower is insured against death and full or partial loss of working capacity (disability).
An insurance fee of 2.5% is calculated on the total loan amount, and this sum is added to the Student Education Loan and repaid in installments over the same period as the loan. If any of these events occur, repayment of the loan is not required from the borrower, and the amount is covered by the insurer. -
15. What should students do first in order to apply for the Student Education Loan?The student must apply to any notary office to confirm a set of consents related to the conclusion of the Student Education Loan agreement (including consent for obtaining information from the information systems of the relevant authorities). If the student is under 18 years of age, they must be accompanied by their parents or legal guardian.
*This application is also used for subsequent requests. -
16. How can students log into the Student Education Loan system on the https://e-ttkf.edu.az/ portal?Access to the system is possible with the notarial Application Number and ASAN Login.*
• Users who have previously registered on the electronic portal with the application number can log into their personal account via ASAN Login. Registration link for ASAN Login:
https://asanlogin.my.gov.az/auth/with-pin?origin=&openSignUp=9 -
17. In what order are students’ applications processed on the TTKF portal?After obtaining the consent application and logging into the portal:
Step 1: The education information entered by the student is verified by the educational institution.
Step 2: Based on the FIN codes of the ID cards of the student and their parents, the system searches relevant databases to check the presence of social status.
Step 3: If the above processing results meet the loan conditions, with the student’s consent, the information is forwarded to the authorized bank (otherwise, see Question 18).
Step 4: An online loan formalization takes place between the student and the authorized bank, and the tuition fee is transferred to the educational institution.
ASAN Login registration link: https://asanlogin.my.gov.az/auth/with-pin?origin=&openSignUp=9 -
18. How can a student track the status of their Student Education Loan application and the processes related to its issuance?The student receives SMS notifications about each status change of the application and can review the statuses in detail in the “Application Tracking” section on the portal.
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19. Where should a student apply if they are denied the Student Education Loan or have any questions related to it?During the application period, a student may reapply to the system after eliminating the reason for rejection.
For inquiries, they can use the “Contact” section on the https://e-ttkf.edu.az/ portal. -
20. In what procedure is the Student Education Loan formalized by the bank?The Student Education Loan is formalized electronically and remotely.
An SMS containing a link and a one-time password (OTP) is sent by the bank to the mobile number provided by the student during the initial application. After accessing the link, the student enters the OTP, and the authorized bank’s facial recognition system is activated to verify the client’s identity. Once the student confirms the relevant information in the system, the loan agreement and the loan insurance agreement are formalized.
Video tutorial: https://www.youtube.com/watch?v=eLIssgGXg5I -
21. How are payments collected from individuals employed under a labor contract or engaged in entrepreneurial activity who fail to repay the Student Education Loan on time?For individuals employed under a labor contract or engaged in entrepreneurial activity who fail to repay the Student Education Loan in accordance with the payment schedule, payments will be deducted from their salary or other income in accordance with the procedure established by Decision No. 226 of the Cabinet of Ministers of the Republic of Azerbaijan dated 24.07.2021.
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22. Can students whose tuition fees are paid from the state budget (internally displaced persons, families of martyrs, persons with disabilities, etc.) receive the Student Education Loan?Students whose tuition fees are covered by the state budget (internally displaced persons, families of martyrs, persons with disabilities, etc.) are not eligible to receive the Student Education Loan. These students may only use the loan in cases of additional education — when pursuing a second degree at the higher, secondary specialized, or higher technical vocational education levels.
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23. Are there any additional bank charges (transfer fees, commissions, etc.) when the Student Education Loan is formalized?There are no additional bank charges or commissions under the Student Education Loan.
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No information found
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1. What is the scope of the student education loan, and which students are eligible to apply?Citizens of the Republic of Azerbaijan studying at state and private educational institutions officially operating in the country at the bachelor’s level of higher education (including basic higher medical education), master’s level (including residency), secondary specialized education, as well as at the technical and higher technical vocational education levels, are eligible to apply.
The Student Education Loan (TTK) is granted to citizens enrolled in full-time and paid (tuition-based) education within the normative study period (8 semesters). At the time of application, the student must not have any academic debt (failed courses) from the previous semester. -
2. What types of student education loans are available?Social (annual rate 2%) and Standard (annual rate 6%).
*If the right to a concession is obtained based on academic performance – 0%
https://e-ttkf.edu.az/Account/CreditCalculator -
3. Which students are eligible to benefit from the Social Student Education Loan?Eligible categories for the Social Student Education Loan include:
Members of families receiving targeted state social assistance;
Persons with disabilities of Group III (31–60% impairment of body functions);
Those receiving a labor pension due to the loss of a breadwinner;
Those receiving a social allowance due to the loss of a breadwinner;
Persons awarded the title of “War Veteran” for participation in combat operations for the territorial integrity of the Republic of Azerbaijan (when pursuing additional higher, secondary specialized, or higher technical vocational education);
Students whose both parents (or the single parent/legal guardian, if applicable) fall into the following categories:
• persons with disabilities of Group I or II (61–100% impairment of body functions);
• officially registered as unemployed;
• recipients of an old-age labor pension;
• recipients of an old-age social allowance;
• recipients of a pension due to the loss of a breadwinner;
• recipients of the Presidential stipend for caring for persons with 81–100% impairment of body functions or for children with disabilities under 18 years of age;
• cases where one parent is serving a sentence of imprisonment (fixed-term, life, or restriction of freedom) and the other parent belongs to one of the above-mentioned categories.
Note: The student must not have any academic debt (failed subjects/modules) in the semester preceding the one for which the loan is granted. -
4. What conditions must a student meet in order to be eligible for the Standard Student Education Loan?If a student does not have the relevant status required to receive the Social Student Education Loan, they may benefit from the Standard Student Education Loan provided that both of the following conditions are met:
• For the first semester of the first academic year, the student must have an entrance exam score above the approved minimum threshold (see Question 5); for subsequent semesters, the GPA must be 71 or higher (for technical vocational education level — interim assessment results of grades 4 or 5);
• At least 20% of the annual tuition fee must be paid.
Note: At the time of application, the student must not have any academic debt (failed subjects/modules) from the previous semester for which the loan is being granted. -
5. What is the minimum entrance exam score required from a first-year student in the first semester to obtain the Standard Student Education Loan?• For the bachelor’s level — 250 points in the exam conducted by the State Examination Center (for programs requiring special talent — 100 points);
• For the SAT exam — 1200 points;
• For the master’s level — 50 points (for programs requiring special talent — 30 points);
• For the sub-bachelor level — between 110 and 300 points (for programs requiring special talent — 40 points);
• For higher technical and technical vocational education — the arithmetic average of the final grades in the relevant subjects on the school-leaving certificate must be at least 3. -
6. What amount of the Student Education Loan can a student receive for each semester?The amount of the Student Education Loan per semester is determined based on the officially approved annual tuition fee for the respective program at the educational institution (divided equally per semester).
For example, if the annual tuition fee is 2000 AZN:
Social Loan:
First semester: 1000 (2000/2) AZN;
Second semester: 1000 (2000/2) AZN.
Standard Loan:
First semester: 600 (2000/2 – 2000*20%) AZN;
Second semester: 1000 (2000/2) AZN.
Education loan calculator: https://e-ttkf.edu.az/account/CreditCalculator
Note: For the Social Loan, the full tuition fee paid by the student for the semester may be refunded. For the Standard Loan, the amount exceeding 20% of the annual tuition fee may be refunded to the student or transferred to the next semester by the educational institution. This is regulated by the internal rules of the institution. -
7. For what duration is the Student Education Loan granted?The duration of the Student Education Loan depends on the student’s current level of education, as well as concessions and deferments granted in accordance with the Rules approved by the relevant decision of the Cabinet of Ministers (see Questions 9–10).
For example:
at the bachelor’s level — from 14 to 22 years;
at the master’s level — from 12 to 18 years;
at the secondary specialized and vocational education levels — from 12 to 19 years. -
8. What are the periods during which no repayment or interest is required under the Student Education Loan?«During the period of full-time study, the grace period, and the deferment period (see Questions 9–10).
-
9. Is the student required to repay the Student Education Loan immediately after graduation?After graduation, the student is granted 2 years to engage in employment or entrepreneurial activity before beginning repayment of the Student Education Loan. This period is called the grace period, and if it is not established that the borrower is engaged in employment or entrepreneurial activity during this time, repayment of the loan is not required and no interest is charged on the loan taken.
-
10. In which cases and for what duration is deferment granted?During the repayment period of the Student Education Loan, if the following situations occur, a deferment is granted and the loan agreement is extended for the corresponding period:
• Full-time study at a higher level of education;
• Period of compulsory military service;
• Imprisonment or restriction of freedom for up to 4 years;
• For employed borrowers, the period of partially paid social leave due to pregnancy and childbirth, as well as childcare until the child reaches the age of three;
• The period of caring for persons with 81–100% impairment of body functions or for children with disabilities under the age of 18. -
11. What concessions are provided in education loans and for which students?Concessions in interest calculation and loan repayment, depending on academic performance, are based on the student’s educational results.
Specifically:
• For the Social Loan: students with a GPA of 71 or higher (for those in higher technical vocational education programs — an interim assessment score of 71 or higher; for those in technical vocational education — an interim assessment result of grades 4 or 5) are not charged interest on the loan for that semester;
• For the Standard Loan: students with a GPA of 91 or higher (for those in higher technical vocational education programs — an interim assessment score of 91 or higher; for those in technical vocational education — an interim assessment result of grade 5) are not charged interest on the loan for that semester;
• If, during the entire normative period of study, a student maintains a GPA of 91 or higher (for higher technical vocational education programs — an interim assessment score of 91 or higher; for technical vocational education — an interim assessment result of grade 5), then 50% of the Social Loan and 25% of the Standard Loan are forgiven.
*These concessions are applied at the end of each semester and education level in accordance with the initially signed agreements. -
12. When the Student Education Loan is issued, are additional obligations required by the bank, and does the borrower’s past credit history have any impact?When the Student Education Loan is granted, no collateral or guarantee is required, and the student’s previous credit history is not taken into account.
-
13. If a graduate engages in employment or entrepreneurial activity during the grace period, do the Student Education Loan obligations become active?Yes, if it is established that the graduate has engaged in employment or entrepreneurial activity before the end of the grace period, the obligation to repay the loan arises from the date this activity commenced.
-
14. Against which risks is the borrower insured, and how is the insurance fee under the Student Education Loan calculated and paid?The borrower is insured against death and full or partial loss of working capacity (disability).
An insurance fee of 2.5% is calculated on the total loan amount, and this sum is added to the Student Education Loan and repaid in installments over the same period as the loan. If any of these events occur, repayment of the loan is not required from the borrower, and the amount is covered by the insurer. -
15. What should students do first in order to apply for the Student Education Loan?The student must apply to any notary office to confirm a set of consents related to the conclusion of the Student Education Loan agreement (including consent for obtaining information from the information systems of the relevant authorities). If the student is under 18 years of age, they must be accompanied by their parents or legal guardian.
*This application is also used for subsequent requests. -
16. How can students log into the Student Education Loan system on the https://e-ttkf.edu.az/ portal?Access to the system is possible with the notarial Application Number and ASAN Login.*
• Users who have previously registered on the electronic portal with the application number can log into their personal account via ASAN Login. Registration link for ASAN Login:
https://asanlogin.my.gov.az/auth/with-pin?origin=&openSignUp=9 -
17. In what order are students’ applications processed on the TTKF portal?After obtaining the consent application and logging into the portal:
Step 1: The education information entered by the student is verified by the educational institution.
Step 2: Based on the FIN codes of the ID cards of the student and their parents, the system searches relevant databases to check the presence of social status.
Step 3: If the above processing results meet the loan conditions, with the student’s consent, the information is forwarded to the authorized bank (otherwise, see Question 18).
Step 4: An online loan formalization takes place between the student and the authorized bank, and the tuition fee is transferred to the educational institution.
ASAN Login registration link: https://asanlogin.my.gov.az/auth/with-pin?origin=&openSignUp=9 -
18. How can a student track the status of their Student Education Loan application and the processes related to its issuance?The student receives SMS notifications about each status change of the application and can review the statuses in detail in the “Application Tracking” section on the portal.
-
19. Where should a student apply if they are denied the Student Education Loan or have any questions related to it?During the application period, a student may reapply to the system after eliminating the reason for rejection.
For inquiries, they can use the “Contact” section on the https://e-ttkf.edu.az/ portal. -
20. In what procedure is the Student Education Loan formalized by the bank?The Student Education Loan is formalized electronically and remotely.
An SMS containing a link and a one-time password (OTP) is sent by the bank to the mobile number provided by the student during the initial application. After accessing the link, the student enters the OTP, and the authorized bank’s facial recognition system is activated to verify the client’s identity. Once the student confirms the relevant information in the system, the loan agreement and the loan insurance agreement are formalized.
Video tutorial: https://www.youtube.com/watch?v=eLIssgGXg5I -
21. How are payments collected from individuals employed under a labor contract or engaged in entrepreneurial activity who fail to repay the Student Education Loan on time?For individuals employed under a labor contract or engaged in entrepreneurial activity who fail to repay the Student Education Loan in accordance with the payment schedule, payments will be deducted from their salary or other income in accordance with the procedure established by Decision No. 226 of the Cabinet of Ministers of the Republic of Azerbaijan dated 24.07.2021.
-
22. Can students whose tuition fees are paid from the state budget (internally displaced persons, families of martyrs, persons with disabilities, etc.) receive the Student Education Loan?Students whose tuition fees are covered by the state budget (internally displaced persons, families of martyrs, persons with disabilities, etc.) are not eligible to receive the Student Education Loan. These students may only use the loan in cases of additional education — when pursuing a second degree at the higher, secondary specialized, or higher technical vocational education levels.
-
23. Are there any additional bank charges (transfer fees, commissions, etc.) when the Student Education Loan is formalized?There are no additional bank charges or commissions under the Student Education Loan.
