Do the SF15-old repayment rules apply to you? If so, you can ask DUO not to include your partner’s income. You can do so in Mijn DUO.

If you choose not to include your partner’s income, the duration of the repayment phase

The duration of the repayment phase is the time you have to repay your debt. This is 15 years or 35 years, depending on which repayment rules apply. You can check the remaining duration of your repayment phase in Mijn DUO. 

will be frozen. This means you remain obliged to pay back your loan for as long as you don’t include your partner’s income, until you have paid back your loan in full. The repayment phase will not expire until you no longer have a debt. There will be no cancellation of any remaining debt.

As soon as you start including your partner’s income again, the duration of the repayment phase continues again as well. Once the repayment phase expires, any remaining debt will be cancelled. Any overdue instalments are not cancelled.

Relationship ended

Inform us through Mijn DUO if your relationship ends. We will make sure the duration of the repayment phase continues again.

If you cannot log in to Mijn DUO, please use the 'Changes loan repayment’ form.

• Changes loan repaymentpdf, 359kb

Your partner’s income is included from the month after you have a partner. If you have a new partner, or your relationship ends, your monthly instalments may be affected. Fill out the Personal details update assistant and read what to do.

If you have no access to Mijn DUO, you can use the Opgave inkomen voor verzoek lager maandbedrag form.

• Income statement for a request for a lower monthly instalment in 2026pdf, 232kb

As proof, we require the income figure determined by the tax authorities in the country where you live and/or work. This is known as an income statement or an income tax assessment. This may include income from employment, benefits, a pension, self-employment, real estate, savings, or shares. Are you not required to file a tax return? You should file one anyway in order to obtain the necessary proof.

Translation

The statement or proof must be in Dutch or English. Many tax authorities allow you to request an English-language version in addition to the version in the local language. You may also translate the documents yourself, but the translations must be complete, not just of a few words on the document. Please also submit a copy of the original document.

Self-employed

Are you a business person and does the income statement not state a basis for profit tax? In that case, you will need to include an accountant’s statement detailing the profit tax. That can be the profit statement before profit tax.

Are you self-employed and have you been granted a deferral in submitting your tax return? Then you need to send a statement of income from your accountant. This must show your full income (and the profit) for the entire year.

Reduced income

Do you want to change the reference year to a year that has not yet passed? Then you must enclose pay slips for the months in that year that have already passed.

Outside the EU/EEA

Do you live outside the EU/EEA and is it not possible to get an income statement from the tax authorities? If so, you must enclose a copy of the annual statement or a copy of all pay slips.

In some countries, the income statement from the tax authorities might be called differently. The table provides more information on the required supporting documents for a number of countries.

Curaçao, Bonaire, Saba or Sint Eustatius

Do you live on Curaçao, Bonaire, Saba or Sint Eustatius? If so, we will send you a letter, asking you to notify us of your income. You only need to do so once. After this, we will annually ask the tax authorities for information on your income. If this does not work, you will need send a Verklaring inkomstenbelasting form to notify us of your income.

Sint Maarten or Aruba

If you live on Sint Maarten or Aruba, you need to send a Verklaring inkomstenbelasting form each year to notify us of your income.

Supporting documents

You need to send one of the following documents with the Verklaring inkomstenbelasting form:

• A statement on the form itself, from the tax authorities of the island in question (question 4)
• A form called Informatie Beheer Groep Studiefinanciering Verklaring Inkomstenbelasting voor belastingplichtigen binnen de Nederlandse Antillen (issued by the Inspectie der Belastingen Curaçao)
• A Machtiging Verklaring Inkomstenbelasting voor belastingplichtigen op Aruba, Curaçao, Sint Maarten of Caribisch Nederland (issued by the Belastingdienst/Tax Administration)

The supporting documents must be signed and stamped by the local tax authorities.

• Verklaring inkomstenbelasting voor belastingplichtigen op Aruba, Curaçao, Sint Maarten of Caribisch Nederlandpdf, 279kb

Do you disagree with the gross foreign income we registered, because your tax deductions have not been taken into account? Please contact the Dutch Tax and Customs Administration Link opent externe pagina in een nieuw tabblad. They can recalculate your income, using the Dutch tax rules.