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The Financial Aid Law

Original Language Title: Opintotukilaki

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Student law law

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In accordance with the decision of the Parliament:

CHAPTER 1

General provisions

ARTICLE 1
Scope

A Finnish citizen who performs a post-compulsory course of post-compulsory education in Finland for a period of at least two months shall be awarded a study grant as provided for in this Act.

The provisions of this Act concerning the Finnish citizen shall also apply to the person:

(1) which, by virtue of an agreement between the European Community or the other Contracting Party of the European Community and its Member States, is entitled to a study grant under this law; or

(2) with a foreign law (301/2004) The right to permanent residence in Finland.

(15/06/98)

A foreign resident who is resident in Finland and whose country of residence is non-studying may be eligible for study aid if:

(1) has been granted a continuous (A) or permanent (P) residence permit or a long-term resident's EU residence permit (P-EU) for long-term resident status;

(2) he is a citizen of the European Union, within the meaning of the Aliens Act, or his/her family, whose right of residence is registered in the manner laid down in Chapter 10 of the Aliens Act or which has been issued with a residence card; or

3) he is a citizen of the Nordic country who has registered his residence in accordance with Article 157 of the Aliens Act, as agreed between the Nordic countries for the registration of the population.

(13/03/670)

Study grants to study abroad are awarded to a Finnish citizen who has been resident in the home (2013) In Finland for a period of at least two years during the five years prior to the commencement of studies and whose stay abroad may be regarded as temporary. (175,2004/345)

ARTICLE 2
Study support benefits

The study grant shall be granted under the conditions laid down in this Act:

1) study money;

2) more housing; and

3) State guarantee of student loans.

(175,2004/345)

This law and the repealed Student Law Act (1998) May, under the conditions laid down in this Act, be paid in the form of interest subsidies from State resources without any obligation to repay. (21 DECEMBER 2001/1427)

The student loan under this Act shall be entitled to a student loan under the conditions laid down in this Act. (12/02/1243)

ARTICLE 3
Definitions

For the purposes of this law:

(1) Academic year The period beginning on 1 August and ending on 31 July of the following year;

(2) Semester The autumn semester and the spring semester, when the fall semester starts on 1 August and ends on 31 December and the spring semester starts on 1 January and ends on 31 July;

(3) During the aid period One month during which the student receives a study grant or residence; (21.1.2011)

(4) Higher education University law (558/2009) Of universities, the Law on the Land Defence College, (121/2008) , in the field of vocational education and training (2004) And the Law on the University of Police College (13/04/2013) Of the Police College; (30/04/2013)

(5) By another institution Establishments other than those referred to in paragraph 4; (12/02/1243)

(6) Spouses Spouses and persons living under marital status. (21 DECEMBER 2001/1427)

Professional higher education 351/2003 Has been repealed by the Professional Higher Education 932/2014 .

§ 4 (12/02/1243)
Studied law school education

Student grants may be awarded for training which is subject to public oversight. An education or training institution which is supervised or financed by the educational authorities or by the authorities in their field shall be considered to be subject to public scrutiny.

In higher education, study grants are awarded to a student who performs:

(1) a lower or higher education qualification or a scientific, artistic or professional qualification;

(2) training in vocational education or training, or training for immigrants within the meaning of Article 17 (3) of the Professional Qualifying Law;

(3) separate vocational training programmes; or

(4) for vocational or professional qualifications other than those referred to in paragraphs 1 to 3, if the student has completed a university degree.

In any other institution, study grants shall be awarded to a student who performs:

(1) the Law on Vocational Training (30/1998) The vocational training provided;

(2) the law on vocational adult education (1998) Training or other additional vocational training in the form of an examination certificate;

3) in the High School (19/1998) Education and training in high school education or training for immigrants and foreign languages;

(4) other than those referred to in paragraphs 1 to 3 in the Law on Free Education (182/1998) Or the Law on the Training Centre of the Saamela Region, as referred to in (252/2010) Within the training centre; or

(5) vocational training equivalent to the training referred to in paragraphs 1 or 2, supervised by public authorities other than the education authorities.

Study aid shall be granted for study abroad, provided that the studies correspond to the studies referred to in paragraphs 1 to 3 in Finland or are included in the studies eligible for study grants in Finland.

§ 4a (12/02/1243)
Right to study in non-State-controlled education

Student grants shall be awarded for training purposes other than public supervision in Finland where, on application by the training organiser, the Social Insurance Institution has granted access to education. The grant of a grant entitlement shall be conditional on:

(1) the training organiser has professional and economic conditions for its activities;

(2) the training organisation has organised such training for at least one year; and

(3) the preparation of an examination or examination of a diploma in accordance with the law on vocational adult education.

The right of study shall also be granted for training purposes other than those provided for in Article 1 (3), other than those provided for in paragraph 1 (3) of the State Council Regulation, provided that the training provides for a general recognition of professional qualifications and other entitlement to study grants. The conditions are fulfilled.

The Social Insurance Institution may revoke the grant entitlement to study grants if the conditions for granting the grant entitlement are not met. If the right to study grants is cancelled, students entitled to study grants prior to the withdrawal of entitlement to study grants are entitled to study aid until the end of the training course.

The decree of the Council of State may provide for more detailed provisions on the conditions under which study grants are granted, the application, the granting and withdrawal of the right of study, and the obligation to report and notify the training organiser.

§ 5
General conditions for granting study aid

The general conditions for the granting of study aid are the acceptance of the institution, the successful completion of studies and the progress of studies and the need for financial support. (175,2004/345)

When considering the need for financial support, account shall be taken of the income of the applicant and of his/her parents as provided for in this Act. (14.11.2008/706)

§ 5a (175,2004/345)
Studied full-time education

The main activities are studies aiming at the completion of a university degree. Other university studies are mainly based on an average of at least five credits per study month. (10.6.2005)

Secondary school education is the main activity if the total amount of learning available is at least 75 courses or if it is carried out in the context of a vocational training course in the form of upper secondary education. Secondary school education and training for immigrants and foreign languages shall also be considered as the main activities in the course of a single academic year and at least 25 courses. Secondary studies also require a student to attend at least 10 courses or similar courses during the semester, or to take part in two studies of the baccalaureate. However, secondary school courses organised at boarding school are always considered to be the main activities. (12/02/1243)

Vocational and non-vocational education and training as referred to in paragraphs 1 and 2 shall be full-time equivalent to an average of at least three credits or 4.5 points of study per month of study. When the extent of the studies has not been measured in the course of credits or as centres of excellence, the average attendance at an education or training programme is required for a traineeship of at least 25 hours per week. However, training for work and independent life is always the main activity. (20,2015/249)

Studies in a foreign institution shall be full-time if the institution has defined them as the main activities. Higher education can also be considered to be the main activities if the level of study corresponds to an average of at least five credits per study month. Other studies may also be considered to be the main activities if the scope of the studies corresponds to the main activities referred to in paragraphs 2 or 3. However, study aid shall not be granted in full in the course of distance learning. (12/02/1078)

§ 5b (21.1.2011)
Sufficient progress of studies

The progress of studies is monitored annually. The progress of studies shall be considered adequate if the student's full-time study period does not materially exceed the period of support specified for the studies concerned.

The payment of study aid may be continued, although there is insufficient study performance if the student presents specific reasons for temporary deceleration. Acceptable causes may be the illness of a student or his/her immediate family, the student's difficult life situation or temporarily influenced by any other specific cause.

The payment of study aid may be continued on a temporary basis if there is insufficient study performance and the progress of studies is considered to require special monitoring. At the end of the period, the study aid may be granted if the student's studies have progressed sufficiently within the prescribed period. In higher education studies, the payment of study aid may be extended up to the end of the academic year. In other educational institutions, students shall demonstrate that their studies have progressed within the time limit required by the National Pensions Office.

The study aid shall be discontinued if the student does not respond to a request for information or does not provide acceptable reasons for the slow progress of studies. In higher education studies, study aid will be abolished at the end of the semester during which the monitoring of progress is carried out.

The study aid may be recovered if there is a particularly limited degree of study and the circumstances indicate that the study was not intended to carry out its activities on a full-time basis.

After the abolition of the study aid, the aid can be reallocated once the studies have made sufficient progress since the abolition of the aid.

The Government Decree may provide more detailed provisions on the assessment of sufficient progress in studies.

ARTICLE 6
Restrictions on access to study aid

No study aid shall be granted to the following:

(1) receive study support from abroad or under the legislation of the Åland Islands; (15/02/297)

(2) the law on adult education aid (1276/2000) Support for adult education;

3. Is the law on vocational training (30/1998) Apprenticeship training;

4. Get the unemployment insurance law (1290/2002) Labour market support, unemployment allowance or training allowance;

(5) is a public employment and business service law (1916/2012) In the form of employment training; (28.12.2012)

(6) shall receive a rotation free (1305/2002) In accordance with the procedure referred to in

7) receives the National Pensions Act (568/2007) Or the employee's pension code (185/2006) Or an old-age pension in accordance with the working pension funds referred to in Article 3, or a certified old age pension; (12/02/1243)

(8) receive a full disability pension or disability pension in accordance with the National Pensions Act;

(9) receive an unemployment pension under the National Pensions Act or the Pension Pensions Act referred to in Article 3 of the Pension Act, or the Pension Aid Act of certain persons who have been unemployed for a long time; (2006) The pension subsidy;

(10) receives the law on the generational change pension of farmers (17/1990) Of the European Parliament and of the Council of the European Union and of the (1330/1992) Or the law on the withdrawal of agricultural undertakings (1293/1994) Or the Law on the promotion of the abandonment of farming (19/2006) Of the European Union;

(11) receives the same training under the Law on Rehabilation and Rehabilitisation of the Social Insurance Institution (5606) Or rehabilitation allowance in accordance with the working pension funds;

(12) receive full compensation for loss of earnings under the Law on Rehabilitation (626/1991) Or of an occupational disease and occupational disease (10/09/2015) , a farmer in the form of an occupational accident and occupational disease (873/2015) , military cordless (404/1948) Or military accident (1211/1990) The provisions on rehabilitation; (17/05/886)

L to 86/2015 The amended paragraph 12 shall enter into force on 1 January 2016. The previous wording reads:

(12) receive full compensation for loss of earnings under the Law on Rehabilitation (626/1991) Or of an occupational disease and occupational disease (10/09/2015) , military cordless (404/1948) Or military accident (1211/1990) The provisions on rehabilitation; (24.04.2015/463)

L to 463/2015 The amended paragraph 12 shall enter into force on 1 January 2016. The previous wording reads:

(12) receive full compensation for loss of earnings under the Law on Rehabilitation in the light of accident insurance (625/1991) Or by the Law on Rehabilitation to replace (626/1991) , or of a military injury to rehabilitation (404/1948) Or military accident (1211/1990) Provisions;

(13) carry out a compulsory military service (1438/2007) , civil service (1446/2007) Or the Act on Women's Voluntary Service (194/1995) Or equivalent service in accordance with foreign law; (12/02/1243)

(14) conduct a custodial sentence and study in a penal institution;

(15) receive benefits equivalent to those mentioned in paragraphs 2 to 12, 16 or 17; (20.08.2010/712)

16) receives sickness insurance Chapter 8 (1224/2004) Sickness benefit or share sickness benefit; (20.08.2010/712)

17) is entitled to (1903/2010) In the case of a pension. (20.08.2010/712)

(17/0792)

However, a student receiving an adult education allowance for at least two months is entitled to a state guarantee for student loans. (28.12.2000/12)

§ 7 (21.1.2011)
Time to grant a study grant

In the case of studies other than those leading to a university degree, study aid shall be granted for the duration of full-time studies. (12/02/1078)

For the purposes of higher education, a maximum of 64 grants may be awarded for study grants. (12/02/1243)

For the purpose of completing a single university degree, the period for which the aid is granted shall be determined by the extent of the degree provided for in that examination, so that the period of validity of the aid shall be limited to nine years per academic year, Plus five during the aid period. However, the full amount of time eligible beyond the academic year is five through the aid period. (12/02/1243)

If a student has been admitted to a higher education qualification, the study grant will be awarded separately for the completion of a higher education qualification. However, the period eligible for aid shall, in total, not exceed the period of aid determined in accordance with Article 3 (3). In a lower and higher degree of higher education, where the main substance or group of substances to which the main substance belongs is the languages and cultures of Asia and Africa, the maximum period eligible for aid shall not exceed 64 through the aid period.

In the case of higher education, for the purpose of carrying out scientific, artistic or professional qualifications, a maximum of nine support periods may be granted for study grants.

In the case of a study carried out in a foreign university, the time for entitlement to study aid shall be determined on the basis of the extent of the qualification prescribed in this paragraph. (12/02/1078)

If a student who has been awarded a study grant for university studies, but who has not completed a university degree, begins to study for another university degree, the periods of support used for the prior examination shall be taken In the calculation of the time of entitlement. If a student has been admitted to both lower and higher education qualifications, the periods of support used for the prior examination shall be taken into account for the purposes of calculating the sum of the examinations.

The decree of the Council of State provides for a more detailed study of the maximum period for study grants for higher education qualifications.

At the end of the regular study period, study aid may be granted for a maximum period of 12 months. In accordance with Article 24 (1) of the Law on Basic Vocational Training, or in accordance with Article 24 (1) of the Law on Vocational Training, or in accordance with the curriculum, if there is no time limit, The legislation defined. (20,2015/249)

§ 7a (21.1.2011)
Extension of maximum duration of study grants for a university degree

The maximum period of study aid provided for in Article 7 (3) may be extended for the remainder of the study period. The prolongation of the maximum period shall be conditional on:

(1) the student shows that the delay in his studies has been caused by the underlying disease or any other particularly weighty reason; and

2) it is estimated that the completion of the examination will require a maximum of one academic year of study.

A maximum of nine grants may be awarded under this section for a maximum of nine years.

The decree of the Council of State provides for more details on the application of the extension and the criteria for granting it.

Article 7b (21.1.2011)
Use of the aid period

The period of support shall be deemed to be used when the study or accommodation allowance for the period of support has been paid.

If, by the end of May following the end of the calendar year following the calendar year following the year of study and residence allowance, the beneficiary voluntarily reimburses the aid period. On a voluntary basis, the study grant and the housing allowance shall be reallocated in accordance with the application period laid down in Article 23. (15/02/297)

Recovery shall not be returned to the recovery period for reuse unless the recovery is caused by incorrect payment or retroactive payment of the benefit referred to in Article 6.

Article 7c (12/02/1243)
Number of periods of support for the academic year

For a university degree, study aid is usually granted for nine months in a year. However, the study aid may be granted for a longer period if the student shows that he is studying for a longer period of nine months during the academic year. If the regular duration of the academic year is longer than nine months in a foreign higher education institution, the study aid shall be awarded, according to the periods of study, from the beginning of the studies, with a period of study which entitles the holder to a study grant if it has at least: 18 of the date of entitlement to a study grant.

The calendar month justifies a study grant if it contains at least 18 days of entitlement to study grants.

In upper secondary education, study aid may be granted for a maximum of nine months per year.

§ 8
Implementation

The general management, control and development of study grants is part of the Ministry of Education.

The tasks under this law shall be carried out by the Social Insurance Institution in cooperation with the educational institutions. The decision on the study aid shall be taken and the decision to be adopted by the Social Insurance Institution.

It is for the institution to receive an application for study grants to study in the institution, to provide the information necessary for the purposes of the application and to submit an application to the National Pensions Office and to ensure that the conditions for access to the study grant are met. And shall inform the National Pensions Office if there are grounds for suspending or suspending study aid.

§ 9 (175,2004/345)
Study aid committee

The university has a college board, which is set up for two years at a university.

The Board shall be composed of a chairman and at least three and a maximum of seven other members, to whom a personal alternate shall be appointed. Half of the members, including the Chairperson, and their alternates, shall be appointed from higher education teachers or other officials, as well as half of the members and their alternates from the university students. The university shall designate one of the members as vice-president.

The rapporteur on the board and the committee's secretary shall act as an official appointed by the university.

The activities of the Board are laid down in more detail by a decree of the Government.

§ 9a (175,2004/345)
Duties of the Student Board

The Board of Education shall be responsible for:

(1) to monitor the progress of studies and, on their own initiative, or at the request of the National Pensions Office or the student, to give an opinion on the progress of studies;

(2) to determine the adequate extent of the studies conducted during the summer period;

(3) shall, on its own initiative or at the request of the National Pensions Office or a student, give an opinion on the possibility of extending the period of study grants awarded to a student receiving a maximum period of study aid, as provided for in Article 7a.

(12/02/1078)

If the studies have not progressed sufficiently, the student body shall consult the student body before issuing its opinion.

The opinion of the Board of Education is binding on the National Pensions Office.

The decree of the Council of State may provide for an agreement between the National Pensions Office and the Higher School, according to which the Higher School Board of Higher Education will carry out the tasks assigned to the National Pensions Office in respect of its own students. The contract shall specify, in particular, the tasks of the parties and the conditions for the performance of their duties, as well as the use of information between the parties and the reimbursement of costs. The Social Insurance Institution has the right to supervise and inspect the activities of the educational institutions.

CHAPTER 2

Study support benefits

ARTICLE 10 (17/0792)
Granting of study grant

The study grant shall be awarded to a student who, in accordance with Chapter 1, may qualify for study grants under this Act.

However, the study grant is not awarded to a student who is entitled to child support under the (796/1992) Or a similar benefit abroad.

ARTICLE 11 (21.12.2007)
Number of study grants

Subject to paragraphs 3, 4 or 6, or Articles 12, 17, 19 or 20 to 22, the amount of study per month shall be:

1) for a student living with his parents at EUR 61 in higher education and eur 38 in another educational establishment, where the student is under 20, and eur 135 in a higher education institution and eur 80 in another establishment where the student has reached the age of 20;

(2) eur 161 for a student living with his parents outside the higher education institution and eur 100 in another institution when the student is under the age of 18;

3) for students who live outside their parents' residence in higher education at EUR 331 and eur 246 in other educational establishments, when the student has completed 18 years;

(4) in the case of a marriage or maintenance obligation of eur 331 and eur 246 in a higher education institution.

(12/02/1243)

If a student resides in an apartment rented or owned by his parents, in the same building as the parent's permanent residence, the study grant is awarded at the same rate as the student living with his parents.

If the parent income tax law (1535/1992) Shall be increased to a maximum of eur 20 700 per year, the study grant may be increased as follows:

1) eur 61 for a maximum of eur 75; (12/02/1243)

(2) eur 38 for a maximum of eur 58;

3) eur 135 for a maximum of eur 145; (12/02/1243)

(4) eur 80 for a maximum of eur 100;

(5) eur 161 for a maximum of eur 145; (12/02/1243)

6) eur 100 for a maximum of eur 100.

The rate of increase is reduced by a total of eur 2 070 per income limit of 10 %. If the sum of the revenue referred to in paragraph 3 exceeds eur 39 000, no increase shall be paid.

The entitlement to higher education as referred to in paragraph 1 (1) (1) or (3) shall start from the beginning of the month in which the beneficiary reaches the age provided for in paragraph 1.

The amounts provided for in paragraphs 1 and 3 shall be reviewed at the beginning of each academic year, as provided for in the Act on National Pensions (2003) Provides. The quantities of euro are rounded to the nearest cent. (12/02/1243)

ARTICLE 12 (175,2004/345)
The increase in the study money at the university.

The number of studies at the following institutions or studies is the same as in higher education:

(1) foreign vocational training institutions;

2) an exchange study abroad for at least two months in the context of vocational training at home;

(3) vocational training in the Åland Islands, where there are no educational benefits;

4) Studied at a school called the Snellman College, with the exception of studies of general studies.

ARTICLE 13 (175,2004/345)

§ 13 has been repealed by L 7.5.2004 .

ARTICLE 14 (17/0792)
Housing allowance

The residence supplement is a qualified student who resides in a rental or residence permit. However, there is no qualified student who:

1) lives with its parents;

2) live in the same apartment with the child of his or her spouse;

(3) lives in an apartment owned by its spouse;

(4) would be entitled to a free place of residence unless there are particularly strong reasons for the student not being able to take up the place of housing; or

(5) receive the Housing Act of the pensioner (591/1978) , or resides in the same apartment with the surviving spouse of pensioners under the Act on the Housing Act.

Notwithstanding the provisions of paragraph 1 (2) and (5), the student may, however, be granted a residence supplement to the housing expenditure of a dwelling which is leased for study purposes and is situated in a place other than the permanent residence of the family.

Under the same conditions as Finland to study, more accommodation is granted to a student abroad. However, the person studying and living abroad is entitled to a housing allowance, notwithstanding the provisions of paragraph 1 (2). (12/02/1078)

Housing aid for pensioners 591/1978 Has been repealed by L on the pensioner's housing allowance 571/2007 .

Article 14a (10.6.2005)
Amount of residence

The amount of the residence allowance shall be 80 % of the monthly rent, the use formula, or the equivalent of fixed monthly housing expenditure under a lease contract or a residence contract. In the case of additional residence, expenditure on housing shall not be taken into account in excess of 252 euros. The student's share of the cost of housing is obtained by dividing the housing expenditure of the entire dwelling by the number of inhabitants, unless the other key is approved for a specific reason.

If a student lives in an apartment rented or owned by his parents, the amount of the housing allowance shall not exceed EUR 58,87 per month. The housing allowance for a student living in a public school or in a school education centre is an allowance of EUR 88,87 per month. (19.5.2006)

The amount of residence is eur 210 per month if the student is studying and living abroad. The decree of the Council of State may provide for the number of housing allowances in countries where the rent is low. (12/02/1078)

Housing is not paid if the cost of housing is less than EUR 33,63 per month.

§ 15 (21.1.2011)
State guarantee of student loans

The State guarantee of a student loan shall be granted to a student receiving an adult education allowance in accordance with this law or in accordance with the law on adult education. (12/02/1243)

The State guarantee shall also be granted:

1) for a student who has reached the age of 18 and who, on the basis of his parents' income, is not entitled to a study grant;

2) a student living outside of a parent who is entitled to child support and who, on the basis of his parents' income, would be entitled to a study grant; or

3) to a student who, according to Article 20, does not receive a study grant.

(12/02/1243)

For a university student receiving a study grant, the State guarantee is granted without a separate application. A State guarantee for an adult education allowance may be granted to studies other than those referred to in Article 4. (12/02/1243)

A State guarantee shall not be granted to a student:

(1) in the form of a custodial sentence;

(2) which, on the basis of a guarantee exposure, is charged to the National Pensions Office, unless the Social Insurance Institute is otherwise specified otherwise; or

(3) with a credit data sheet Chapter 4 (527/2007) A payment disorder registered in the credit data register referred to.

However, a State guarantee may be granted even if the student has a payment disorder referred to in paragraph 4 (3) if:

(1) payment glitch is a single, limited amount and a reasonably long period has elapsed;

(2) the debt incurred by the marking has been incurred; or

3) There is a particular reason for granting a State guarantee.

The State guarantee shall be granted for a maximum period of academic year. However, the decision to grant a State guarantee may include a State guarantee for the summer of June and July. If the duration of the study does not exceed 12 months, the State guarantee may be granted by a single decision throughout the period of study.

Article 15a (175,2004/345)
Increasing student loans

The student loan is issued against a debt note issued by the Social Insurance Institution. For studies, one study loan may be granted, the amount of which is to be increased by a new student loan.

The study shall be increased during the academic year for which the State guarantee was granted. However, the student loan shall not be increased after completion or suspension of studies, subject to paragraph 4.

The study shall be raised as follows:

(1) the course of study to be carried out in a foreign institution, the study of postgraduate studies, the recipient of adult education or training of up to 12 months may be increased as a single instalment;

(2) the proportion of the loan granted for a period of September for the period of September may not be increased earlier than 1 August and no earlier than 1 January for the spring semester;

(3) The course of study to be carried out in another educational establishment can be drawn up as follows:

(a) the loan instalments for August to October not earlier than 1 August;

(b) the tranches referred to in November and December at the earliest;

(c) the tranches for January and February at the earliest on 1 January;

(d) the loans referred to in March to July not earlier than 1 March.

If the decision on the State guarantee of a student loan includes a State guarantee for the summer of June or July, the first instalment of the loan may be increased over the months already mentioned. If the State guarantee has been granted by a single decision up to a maximum of 12 months, the loan will be reproduced in these months. In the event of a decision giving a period of less than two months or at the end of the academic year or of completion of the decision, the loan shall be increased not later than two months after the date of the decision.

Before the student raises a new student loan, the credit institution must ensure that the State guarantee is in force.

Article 15b (12/02/1243)
Student loan credit

The student loan under this Act, which has completed a university degree within the deadline, shall be reduced by a student loan crediting from State resources under the conditions laid down in this Act.

The student loan credit is granted under the conditions laid down in this Act to a student borrower who has completed a higher education qualification, a higher education qualification, a higher education qualification, a vocational degree or a higher education diploma. A vocational degree in Finland or an equivalent degree abroad.

The student loan beneficiary may be granted a student loan credit only on the basis of his first degree of university degree. If the student loan beneficiary has completed both lower and higher education qualifications, the first degree of higher education shall be considered to be the completion of a higher education qualification, unless the student loan credit has been granted in the form of a student loan. On the basis of a higher degree of higher education.

Article 15c (12/02/1243)
Period of completion of the examination of the student loan

The student loan beneficiary shall be entitled to a student loan allowance if:

(1) the period used for the completion of a lower university degree exceeds the prescribed period of ambition during a maximum period of one semester;

(2) the period used for the completion of a higher degree of higher education shall not exceed one academic year by a maximum of one academic year;

(3) the period used for the completion of a higher education qualification exceeds the prescribed period of ambition by a maximum of one academic year; or

(4) the period used for the completion of a vocational degree or higher vocational education qualification exceeds the duration of the qualification period for a maximum of one semester.

The first paragraph of which provides for the period of examination of the degree of entitlement to a student loan shall also apply to a degree in a higher education institution.

The period used for carrying out the study shall be calculated from the beginning of the academic year at which the student has first received the place of study at the university until the end of the period of completion of the qualification referred to in Article 15b.

Article 15d (12/02/1243)
Student loan credit in the event of a delay

The student loan beneficiary is entitled to a student loan credit, even if the period used is longer than that provided for in Article 15c, if the borrower is within the period referred to in that Article:

(1) carried out a service in accordance with the law on military service, the Civil Service Act or the Act on the Voluntary Service of Women;

(2) received sickness benefit in accordance with sickness insurance in accordance with sickness insurance, in the form of a total disability pension or a disability pension under the National Pensions Act; or

3. On the basis of the care of the child, maternity, paternity or parental allowance in accordance with the Health Insurance Act.

On the basis of the circumstances referred to in paragraph 1 (1) or (2), the period of validity of the examiner shall be extended by a maximum of two years.

If the ratio referred to in paragraph 1 has lasted at least 30 days, the period of validity of the examiner's certificate shall be extended by one term. In one semester, only one extension can be taken into account.

A decree of the Council of State may provide for more detailed provisions on the taking into account of the factors extending the period of examination of the credit card credit.

Article 15e (12/02/1243)
Closure of the student loan compensation

The Social Insurance Institution shall examine without an application, on the basis of the day of commencement of the studies and the date of completion of the studies, whether an upper university degree, a vocational degree or a postgraduate degree A student loan beneficiary on the basis of a qualification period entitled to a student loan crediting.

If a student loan beneficiary has completed a higher degree of higher education or a degree in a foreign university, the Social Insurance Institution shall examine the entitlement to a student loan application on the application of the student loan. The application shall be lodged with the National Pensions Office within two years of the completion of the examination. An examination of the initiation and examination of studies must be carried out by the foreign university.

If, on the basis of an examination, the student loan beneficiary is entitled to a student loan, the Social Insurance Institution calculates the amount of the credit claim referred to in Article 15f, on the basis of the data reported by the MFIs, and shall issue a decision. The decision may be adopted without consulting the party concerned.

If, on the basis of the information on the period of completion of the examination, the student loan beneficiary is not entitled to a student loan, the Social Insurance Institution shall issue a proposal for a decision. A decision in accordance with the proposal shall enter into force if, within the time limit, the student loan beneficiary does not request a written reply in writing.

More detailed provisions may be adopted by the Government Decree on the procedure for the application and decision-making process.

Article 15f (12/02/1243)
Number of student loan crediting

The amount of the student loan is 40 % of that part of the student loan, which exceeds eur 2 500. Student loans eligible for student loans shall mean the end of the first day of the academic year preceding the first day of the academic studies referred to in Article 15b, and the beginning of the academic year following the beginning of the academic year. During the period covered by this law, without borrowing the principal committees.

The amount of the student loan credit shall be calculated on the basis of the amount of the loan, which corresponds to the amount of the student loan corresponding to the qualifying period or extent of the examination. The amount of student loans corresponding to the maximum level of the State guarantee is taken into account for nine months in the academic year. In so far as the objective period or extent of the qualification is not full for years, the maximum amount of the credit shall be taken into account for five months per half of the academic year. The maximum amount of loans shall be calculated on the basis of the provisions of the State guarantee ceiling applicable at the time of completion of the examination.

Article 15g (12/02/1243)
Payment of the student loan credit

When a decision on the right to a student loan and its amount has been granted to a student loan beneficiary, the Social Insurance Institution shall pay the credit to the MFI.

The student loan allowance reduces the amount of student loans guaranteed by the State in the order of the loans in the order of the largest smallest.

However, if the Social Insurance Institution has paid the student loan to the MFI and the student loan is to be recovered by the National Pensions Office, the amount of the credit shall be reduced as a matter of priority by the guarantee institution for the National Pensions Institution.

If a student loan is lower than the amount of credit to be paid at the time of payment of the student loan, the remaining amount shall be paid to the student loan beneficiary.

More detailed provisions may be laid down by the Government Decree on the payment of student loans.

ARTICLE 16 (175,2004/345)
State guarantee amount (12/02/1243)

The amount of the State guarantee for the student loan per period of support is:

(1) eur 400 for university students and for adult education support;

(2) eur 400 for a non-university student, if the student has completed 18 years, and eur 260 if the student is under the age of 18; the right to a higher State guarantee begins at the beginning of the month in which the student reaches the age of 18;

(3) eur 700 for students studying abroad.

(12/02/1243)

The amount of the State guarantee shall be increased in those periods when the student receives study aid, as the student loan, which the credit institution provides to the student in order to pay off the interest rate of the student loan at the end of the school year.

Article 16a (21 DECEMBER 2001/1427)
Interest subsidy

Interest on loans granted under this law and under the repealed Student Law Act may be paid in the form of interest-rate subsidies from State resources, provided that the interest rates under this Act are not increased to the capital of the loan under Article 34 or in the case of a revoked student loan. The beneficiary of the loan has not been paid in the course of the five months preceding the normal maturity of the interest.

The grant of interest payments requires that the beneficiary has received an average income of up to eur 1 195 per month on average over the four months preceding the normal month of maturity. However, in the case of a compulsory military service, the interest on student loans shall be paid instead of an interest rate subsidy, (781/1993) As a military grant. (21.1.2011)

However, if the borrower has dependent children of his or her spouse or of his/her spouse who are minors, the maximum rate of the grant shall be:

1) eur 1 380 per month if there is one child;

(2) eur 1 430 per month if there are two children;

3) eur 1 515 per month if there are three or more children.

(21.1.2011)

The term "maturity" of the student loan under this law shall be taken on June and December. On March and September, the student loan in accordance with the law on student loans shall be replaced by a period of regular maturity.

The income limits provided for in paragraphs 2 and 3 shall be reviewed every two years from 1 March in accordance with the change in the pay coefficient referred to in Article 96 (1) of the Pensions Act. The amount of the euro shall be rounded to the nearest euro. The revised income limits shall apply to interest subsidies on interest payable after the review. The checks on the income limits correspond to the change in the two-year period. (12/02/1243)

Article 16b (21 DECEMBER 2001/1427)
Application and payment of interest payments

The application for interest rate subsidy shall be submitted to the National Pensions Office at the latest at the time of the normal maturity of the interest rate, mainly during the following two calendar months. The Social Insurance Institution may issue further guidance on the application procedure.

The application shall be accompanied by an explanation of the interest rate of the bank's debt or the original statement of interest, as well as any other explanations required by the National Pensions Office.

The interest rate shall be paid in the form of an interest rate of the student loan, together with notification costs. Interest shall not be paid in the interest of late payment due to the delay in the interest payment. The interest rate shall be paid in the form of interest items falling due in the first half of the year.

Article 16 (16) (f)

Article 16 c-16f has been repealed by L 30.12.2013/1243 .

CHAPTER 3

Economic needs assessment

§ 17 (21.1.2011)
Impact of student's own income on student money and housing allowance

In addition to study grants, the student may have other grants for income and income security in the calendar year, which is called: Free entry . Supplementary grants for student exchanges abroad shall not be taken into account. The free income shall be calculated in such a way that the student may have income:

(1) eur 660 per month for which he or she has received tuition or residence; and

(2) eur 1 970 per month for which he did not receive a study grant or a residence allowance.

No account shall be taken of the income derived from the completion of the studies before the beginning of the course of studies or the completion of the studies at the end of the course of the studies, or after the completion of the studies, in so far as the free income is exceeded. Based on them. Study grants are considered to be completed when a university student has received a study grant for the maximum period provided for in Article 7 or 7a, or non-university students who have completed their examination Much that the remaining studies are no longer eligible for study grants. The student must present a statement of receipt of the income.

If the student has been admitted to both lower and higher education qualifications, the period of completion of the upper university degree shall mean the month of completion of the upper university degree and the maximum period specified in accordance with that paragraph. The end of the maximum period of lower and upper secondary education at the end of the lower level. However, the month of completion of a higher degree of higher education may be considered as the month of completion of the examination in accordance with paragraph 2, if the student has committed evidence to complete a higher education qualification. (15/02/297)

The student must ensure that the annual income does not exceed the free income. The student can regulate the free entry by applying for a study grant only for a part of the month of study, by cancelling the study grants already granted for study grants, or by returning the study and residence allowance of the periods already paid. The study grant and the housing allowance shall be repaid in order to increase the free entry by the end of May of the following calendar year. (15/02/297)

ARTICLE 18 (175,2004/345)

Article 18 has been repealed by L 7.5.2004 .

§ 19
Taking account of parental income

The income of parents is not taken into account in the award of study grants for university students. (175,2004/345)

The income of parents of non-university students will be taken into account when the student is less than 20 years of age and when the student is under 18 years of age. Revenue shall be taken into account until the end of the calendar month preceding the age of that age. However, the income of parents is not taken into account if the student is married or with maintenance obligations. If the parents of the student are separated or permanently reside separately due to a breakdown, only the parent's income is taken into account where the student resides or has resided. If a student is under 18 years of age and is in the common home of his parents and his new spouse, the income of the new spouse will also be taken into account. (21 DECEMBER 2001/1427)

The student is entitled to full study and housing allowance if the amount of income and capital income referred to in Article 30 of the Income Tax Act does not exceed eur 40 800 per year. Student grants and housing allowance shall be reduced by a full amount of eur 1 010 per income limit of 5 %. (17/0792)

However, an 18-19-year-old who is studying at a higher education institution, who resides in a place other than his parents, is entitled to a full study grant if the income and capital income of the parents under Article 30 of the Income Tax Act Not exceeding eur 53 000 per year. The study money will be reduced by a total of eur 1 010 per income per income stream by 5 %. (12/02/1243)

§ 19a (14.11.2008/706)

Article 19a has been repealed by L 14.11.2008/706 .

§ 20 (21.1.2011)
Taking account of certain benefits

The student allowance shall not be awarded to a student who receives daily allowances or equivalent benefits from the course of study, which, on average, exceeds the highest level of education in that training.

ARTICLE 21 (17/08/98)
Minimum allocation of benefits

Student grants and housing allowance shall not be granted if the total of the monthly instalment is reduced by EUR 8,40.

§ 22 (21 DECEMBER 2001/1427)
Tax revenue

For the purposes of this law, the student's taxable income refers to the income tax law (1535/1992) Provides for a taxable income and a paid income. The income received by a student abroad is treated as taxable income under the income tax law, if a similar income was taxable in Finland.

The income referred to in Articles 11 and 19 of the student's parents shall be taken into account, on the basis of the latest State tax information, from the beginning of the following year following the completion of the tax. The income received by parents abroad is treated as taxable income within the meaning of the Income Tax Act if the corresponding income in Finland was taxable. Income obtained abroad shall be taken into account for the period prior to the application for gross study aid. The applicant shall provide an explanation of the income received from his/her parents abroad of the year in which the tax information is otherwise taken into account for the purposes of the grant or revision of the study grant. Where the economic situation of the parents has materially changed since the tax year, changes may be taken into account in accordance with Article 25b. (14.11.2008/706)

CHAPTER 4

Application, payment and recovery

ARTICLE 23 (17/0792)
Application and grant of study aid

The study aid is sought from the People's Pension Fund, unless there is a contract between the National Pensions Office and the institution in Article 9a. The application may be submitted to the Office of the National Pensions Office or to the institution concerned for transmission to the National Pensions Office. However, studying abroad must submit an application to the National Pensions Office. More detailed provisions on the application procedure may be laid down by the Finnish Government Decree.

The study aid shall be granted from the beginning of the month in which the application was lodged.

However, the State guarantee for the grant of an adult education allowance may be granted from the beginning of the month preceding the month of application.

The application for a study aid may be rejected if the date on which the aid is sought or when the conditions for granting the aid are met is later than six months from the date on which the application was lodged.

If the application for the benefit of the student grant referred to in Article 6 has been rejected, the study grant may be granted from the beginning of the month in which the application for a benefit has been submitted.

If the student's residence permit (108/1975) Application for a housing grant or an application for a housing allowance under the Housing Act of a student or of his/her spouse is rejected, the benefit of the grant may be granted from the beginning of the month in which the application for a housing allowance is: Left.

§ 24 (12/02/1243)
Payment of the study aid

The study grant and the housing allowance shall be paid monthly to the European Union account indicated by the student. The date of payment is laid down by a decree of the Council. However, a single instalment may be paid in other ways if it is not possible to pay the account or if the applicant or recipient of the aid presents a particular reason accepted by the National Pensions Office.

ARTICLE 25
Review and suspension of study aid

The study aid shall be reviewed or suspended if there has been a change in the student's circumstances which affects the right to study aid or the amount of aid. (175,2004/345)

Where there are reasonable grounds for believing that the study aid should be terminated or reduced, the payment of the grant may be temporarily suspended or the amount payable shall be reduced until such time as the case has been resolved by a final decision. If the beneficiary does not submit the requested statement, the case may be settled by final decision on the basis of the explanations provided by the People's Pensions Office. The interim decision shall not be subject to an appeal. (15/122000/1099)

Student grants may also be terminated at the request of a student. (15/122000/1099)

When a student is finished or interrupted before 18 days before the end of the month, study aid shall be suspended from the beginning of the month of completion or suspension. Otherwise, study aid shall be suspended from the beginning of the month following the month following completion or suspension. (21.12.2007)

On the basis of a change in circumstances other than the suspension or completion of studies, the aid shall be reviewed from the beginning of the month in which the new ratio lasts for the first time at least 18 days. (21.12.2007)

In the case of changes in the period of time specified, the aid shall be reviewed from the calendar months during which the changed ratio lasts at least 18 days. (12/02/1243)

If a student has been admitted to both lower and higher education qualifications, he will be entitled to a higher degree of higher education in the course of study, even if he/she carries out a higher education qualification before the end of the month of 18. However, if a student decides to complete a higher education qualification, the study shall be carried out in accordance with Article 4 (4). (15/02/297)

If a student has been admitted to both lower and higher education qualifications, study support for the completion of a higher education qualification may be awarded during the month following the calendar month following the completion of a higher education qualification. (15/02/297)

§ 25a (23.5.1997/457)
Review of the study aid without application

The study aid shall be reviewed or terminated without an application on a calendar year at the beginning of the year, after tax completion, on the basis of parental tax information. However, the revision shall not be carried out if the study aid has been revised during the preceding September term as a result of an essential change in the economic situation of the parents. (14.11.2008/706)

The residence allowance may be adjusted on the basis of the rent change or the accommodation allowance may be terminated on the basis of the termination of the lease, without the information referred to in Article 4b (3) on the basis of the information referred to in Article 4b (3). In the case of housing allowances for residents living under student housing conditions. (17/0792)

The housing allowance of persons other than those referred to in paragraph 2 shall be adjusted where at least two years have elapsed since the start of the residence allowance or the previous review. If the beneficiary of the residence supplement does not provide the information necessary for the revision of the Housing Act or the study grant committee, the residence allowance shall be suspended for the period of two years, mainly from March or November; From the beginning. The Social Insurance Institution will provide further guidance on the verification procedure. (21.1.2000/41)

The study aid may be reviewed on the basis of a change in the duration of the academic year indicated by the institution without an application. (21 DECEMBER 2001/1427)

Student grants may be terminated without prior consultation of the student when the student reports the student's completion or the interruption of his studies. On the basis of the suspension of the study, study aid may be terminated without consultation only if the information provided by the institution is based on the student's own declaration.

If the student has been admitted to both lower and higher education qualifications and study grants have been awarded to a lower university degree, the study grant may be reviewed and awarded in the absence of a higher education qualification; An application when the university declares the completion of a lower university degree. (15/02/297)

§ 25b (14.11.2008/706)
Verification of student aid in the event of a change in parental income

The financial situation of the students' parents is considered to have materially changed if the parent's income has changed by at least 20 % since the last tax. Where the study aid has been granted or revised on the basis of the changed revenue referred to above during the spring semester, the aid may be paid at the end of the same year. Where the study aid has been granted or revised on the basis of the above revenue during the autumn semester, the aid may be paid at the end of the following calendar year.

The income generated by the entrepreneur, the farmer or the beneficiary shall be taken into account in the entrepreneur's pension scheme. (1272/2006) And the farmer's pension scheme (1280/2006) In accordance with the working income laid down. (21.1.2011)

§ 26
Refusal of study aid

The study aid may be refused in whole or in part if, on purpose, someone has deliberately given false or misleading information or false information by means of false or misleading information, or by concealment of the fact that the aid has been paid in an unjustified manner.

§ 27
Recovery recovery

If the benefit under this Act has been paid unduly or in excess of the amount, the benefit must be recovered. (18.4.1997/341)

Recovery may be waived, either in whole or in part, if this is deemed reasonable and the undue payment has not been due to the fraudulent conduct of the beneficiary or his representative or where the amount unduly paid is limited. In addition, recovery may be waived, even after the adoption of the decision on recovery, where, in view of the beneficiary's financial situation, it is no longer appropriate to continue or to recover The extension would entail disproportionate costs in relation to the amount of the benefit to be recovered. (7 MAY 2004)

The amount to be recovered can be offset by the benefit paid later by the National Pensions Office. However, in the absence of consent, the receipt may only be applied to any other benefit under this law or equivalent. (18.4.1997/341)

If the annual income referred to in Article 17 (1) of the student exceeds the free entry, every starting amount of eur 1 310 per year shall be recovered from the age of one period of study and the housing allowance in the chronological order of the last calendar year. The period of support. However, if there has been a maximum excess of eur 220, there will be no reimbursement of overpaid aid. The beneficiary is given a proposal for a decision on the recovery of the aid paid too much. The decision in accordance with the proposal shall enter into force if the beneficiary does not request, in writing, to reexamine the case in writing within the time limit specified. (21.12.2007)

On the basis of the student's own income, the amount of the study grant and the amount of the residence allowance to be recovered shall be increased by 15 %, unless the Council Regulation provides for a lower increase. (15/122000/1099)

A final decision on recovery can be carried out, such as a legal judgment.

§ 27a (7 MAY 2004)
Obsolescence of recovery claim

The decision to recover the undue payment shall be made within five years from the date of payment of the benefit. The recovery decision established by the recovery decision shall expire five years after the date of adoption of the decision, unless the limitation period has been terminated. The limitation period laid down by the recovery decision shall be broken down as from the date on which the (2003) Articles 10 or 11 provide. This limitation period shall begin to run by a new limitation period of five years.

ARTICLE 28
Succession recovery in some cases

If a student has received a study grant or residence from the same period for which he is granted retroactive benefit under Article 6, the Social Insurance Institution may recover from that period the benefit of the benefit of the aid unduly paid for that period. (175,2004/345)

The public pension institution shall inform the payer of the benefit referred to in paragraph 1 at least two weeks before payment, that the benefit should be paid to the National Pensions Office in accordance with paragraph 1.

CHAPTER 5

Appeals appeal

§ 29
Appeals appeal

Dissatisfaction with the decision on the benefit of the student aid benefit may be appealed against the appeal board and the decision of the appeal board against the decision of the appeal committee. The decision to appeal shall not be appealed against. (18.4.1997/341)

The letter of appeal shall be submitted to the National Pensions Office within 30 days of receipt of the decision by the appellant. The appeal to the decision of the Board of Appeal may also be forwarded to the study board concerned. (18.4.1997/341)

Paragraph 3 has been repealed by L 30.12.2003/1322 .

The decision of the Social Insurance Institution shall, in spite of the appeal, be complied with until a decision has been taken by a final decision.

A decision where the State guarantee of a student loan has been refused because no adult education allowance is granted to the applicant shall not be subject to appeal. (28.12.2000/12)

ARTICLE 30 (18.4.1997/341)
Self-adjustment

If the Social Insurance Institution or the Board of Education is fully satisfied with the requirements set out in the complaint submitted to it, it shall issue an appeal. An appeal shall be brought against the decision of the amendment as provided for in Article 29.

If, as mentioned in paragraph 1, the National Pensions Office or the Board of Appeal cannot rectify the contested decision, it shall, within 30 days of the end of the period of appeal, provide the appeal and the opinion To the appeal body. In such a case, the Social Insurance Institution or the School Aid Board may, by way of a temporary decision, correct its previous decision in so far as it accepts the claim made in the complaint. If the appeal has already been submitted to the appeal body, the provisional decision shall be notified to it without delay. The interim decision shall not be subject to appeal.

The period referred to in paragraph 2 may be waived if the request for further clarification as a result of the complaint is required. In that case, the applicant shall be informed without delay. However, the statement of appeal and the opinion shall always be submitted to the appeal body concerned within 60 days of the end of the appeal.

Article 30a (18.4.1997/341)
Complaint delay

If, after the expiry of the period laid down in Article 29, the appeal to the Appeal Board or the right to an insurance claim has arrived, the appeal body concerned may, in spite of this, take the appeal if there has been a heavy delay Reasons.

Article 30b (17/06/2015)
Resolving the case for other benefits

If, after the adoption of the decision, the beneficiary of the study grant has been granted retroactively the benefit of the study grant referred to in Article 6, the Social Insurance Institution or the School Board may, without the removal of the decision or the consent of the party concerned, Again.

ARTICLE 31 (1,12,2006/1080)
Decommissioning

If the final decision of the National Pensions Office or the Board of Education for the benefit of the benefit conferred by this Act is based on an incorrect or incomplete statement or appears to be unlawful, the Board of Appeal may: At the request of the party, the People's Pensions Office or the relevant Board of Education, to remove the decision in respect of the non-allocated State guarantee and to refer the matter to the Court again. The review board shall provide the parties with an opportunity to be heard before a decision is taken. The decision of the Board of Appeal shall not be appealed against. (17/06/2015)

If the final decision taken by the Board of Appeal or the Court of Appeal is based on an incorrect or incomplete statement or appears to be contrary to the law, the right of insurance may be exercised by the party, the People's Pensions Office or the At the request of the Board of Education, at the request of the Board of Education, to remove the decision on the state guarantee of the non-allocated student loan and to refer the matter to the Court again. The right of insurance shall be reserved for the parties to be heard before a decision is taken. (17/06/2015)

Where a request for annulment is taken by the Social Insurance Institution or the student board concerned, it may, by way of a temporary decision, suspend the payment of the benefit or pay it in accordance with its request until the case is renewed. Solved.

The removal of the decision shall be submitted within five years from the date on which the decision was taken. For particularly weighty reasons, the decision may be deleted from the application made after the deadline.

If a case involving the granting of an advantage or an increase of the benefit granted appears in the new report, the Social Insurance Institution or the Board of Education must re-examine the case. The Social Insurance Institution or the School Board may, without prejudice to an earlier decision, grant an advantage or grant an advantage greater than in the past. The appeal board and the right of insurance may also act accordingly when dealing with the appeal. The decision shall be subject to appeal as provided for in Article 29.

The consultation referred to in paragraphs 1 and 2 shall be forwarded for information to the administrative law (434/2003) Provides. (17/06/2015)

Article 31a (30.12.2003/1322)
Correction of a mistake

If the decision of the People's Pensions Office or the Board of Education is based on a manifest error or lack of clarity or manifestly incorrect application of the law, or in the case of a decision, there has been a procedural defect, the Social Insurance Institution or The Board of Education may withdraw its incorrect decision and resolve the case.

The decision may be rectified to the benefit or to the detriment of the party. The correction of the decision to the detriment of the party shall be subject to the agreement of the party concerned.

ARTICLE 32 (12/02/1078)

§ 32 repealed by L 28.12.2016. .

§ 33 (5.3.1999/305)

§ 33 has been repealed by L 5.3.1999 .

CHAPTER 6

State guarantee

§ 34 (12/02/1243)
Validity of the State guarantee and capitalisation of interest

The State guarantee shall be valid for a maximum period of 30 years from the withdrawal of the first instalment. The validity of the State guarantee shall be conditional on the credit institution increasing its half-yearly interest in the capital of the student loan during the periods in which the borrower receives student grants and immediately thereafter. Semester.

ARTICLE 35
Content of the State guarantee

The State guarantee shall be granted as a sovereign debt for the entire nominal amount of the student loan granted by the public control credit institution, the interest rate of the student loan, the interest for late payment and the eligible costs of the loan.

§ 36 (15.8.2003/744)
Guaranteed obsolescence

State guarantees in the field of student loans do not apply in respect of which the guarantee and the lien Article 19 of the ec Treaty Paragraph 3 provides for the limitation of the guarantee undertaking, and Article 19 (1) of that law does not apply to loans under this Law in respect of their payments.

ARTICLE 37
Repayment of the loan

If the borrower has defaulted on the payment of interest or the abbreviation fee and if at least three months have elapsed since the due date, the credit institution shall have the right to reclaim the loan immediately. However, at least one month before the event of a failure to act, it shall be notified to the National Pensions Office.

If the borrower is dead, the credit institution may submit a claim for payment to the National Pension Fund. A study shall be deemed to be all due when a payment claim has been made.

A credit institution may also present its claim for payment where the court has established a private person's debt regime (57/93) Or the Social Insurance Institution's consent to the voluntary agreement on the debt facility.

ARTICLE 38
Recovery of the guarantee recovery

A guarantee on the basis of the State guarantee of the student loan and the interest charged to it under this Act shall be obtained without a judgment or a decision to foreclose on the beneficiary of the loan in the order in which the tax and contributions are collected by the law on the recovery of taxes and charges (367/1961) Provides. However, the law provided for in the said law does not apply to the State's right of recourse within the meaning of this paragraph. (21.12.2004)

In the case of recovery, the National Insurance Institution may grant repayment or other payment arrangements if it is justified by the legitimate cause of the borrower's ability to pay or the accumulation of outstanding amounts is thus safeguarded.

L-enforcement of taxes and charges 367/1961 Has been repealed by L for the implementation of taxes and charges 706/2007 .

§ 38a (7 MAY 2004)
Ageing of the guarantee

The guarantee shall be aged five years after the Social Insurance Institution has paid a student loan to the credit institution, unless the period of limitation has been terminated. The limitation period shall be broken down as provided for in Article 10 or 11 of the Law on the limitation of the liability. A new limitation period of five years shall begin to run from breaking the limitation period.

ARTICLE 39 (12.1.2007/30)
Granting of the exemption

The payment of a guarantee from the State guarantee by the student loan and the interest accruing to it shall be granted to the State when the borrower is dead.

A payment exemption may also be granted if the borrower is permanently incapacitated or his temporary incapacity has lasted at least five years and the economic situation and other circumstances of the borrower should be taken into account. Should be considered unfair.

The exemption may be granted in part where the economic situation of the borrower has deteriorated due to long-lasting unemployment, sickness or other reasons in such a way that the recovery of the loan should be regarded as disproportionate.

The recovery of the guarantee from the State guarantee and the recovery of the interest accrued to it may be waived when the amount to be recovered is limited, taking into account the economic situation of the borrower, It is no longer appropriate to continue or if the continuation of recovery would be disproportionate to the amount to be recovered.

ARTICLE 40 (3.5.2002/344)
Interest rate on guarantee claims

The borrower shall pay up to the entire guarantee recipient of the State no more than (633/1982) (1), unless the Council Regulation provides for a lower interest rate.

CHAPTER 7

Outstanding provisions

ARTICLE 41 (9.8.2002/691)
Student notification requirement

When applying for a study grant, the student must inform the Social Insurance Institution and the study grant referred to in Article 9 of this Law for the purpose of providing the information necessary for the grant of study grants. The student receiving study support must indicate the completion or interruption of the studies, the change in the institution, changes in housing conditions and other changes affecting the study grant benefit.

Article 41a (9.8.2002/691)
Access to information on request

The National Pensions Office and the Appellate Body in accordance with this Act shall be entitled, upon request, to obtain, without prejudice to the provisions of confidentiality and other information on access to information, free of charge in order to resolve the present case or to any other Information necessary for the implementation of an individual task:

(1) from the authority of the State and the municipality and from any other body governed by public law;

(2) the pension security centre, the pension and insurance institution, as well as any other pension or other allowance or payer;

(3) patient insurance and transport insurance centre;

(4) the unemployment fund and the employer;

5) from the institution;

6) from the landlord.

Article 41b (9.8.2002/691)
Access to information

Without prejudice to the provisions on confidentiality and other access to information, the People's Pension Fund shall be entitled to receive free of charge:

(1) information on the identification and identification of the persons who have been admitted to the Board of Education and from higher education institutions, as well as the identification and identification of the persons who have received the instruction from the School of Education, as well as the educational establishment and study line; or Information on the training programme;

(2) information on the identification and identification of persons eligible for employment training from the employment services;

(3) information on the identification and identification of students residing in a separate contract between the municipality, the Foundation or the non-profit-making community, in a separate agreement, on the identification and identification of those living in the student dwelling; - And housing information;

(4) information on the identification and identification of students present in attendance during the academic year, as well as information on the principal activity and progress of the studies;

(5) monetary financial institutions, on the basis of the amounts lent by the borrowings, the amounts of student loans guaranteed by the State, the abbreviations and interest rates of the loans, as determined by the Social Insurance Institution; (10.6.2005)

(6) from the donor or the payer, information on the grants awarded;

(7) penal institutions and the law on the isolation of dangerous criminals (317/1953) For the purposes of the commencement and termination of the sentence; (10.6.2005)

(8) information on the identification and use of student loan deductions from the tax administration for the purposes of carrying out the deduction of student loans from taxable persons who have reduced the income tax law in Article 127 (d); The maximum amount of the student loan allowance. (10.6.2005)

L isolation of dangerous offender 317/1953 Has been repealed by L for the repeal of the Law on the Isolation of dangerous criminals 786/2005 .

Article 41c (10.6.2005)
Access to information by educational institutions

Student grants shall be entitled, notwithstanding the provisions of confidentiality and other information, to obtain the information necessary for the performance of the tasks referred to in Article 9a. Student grants are entitled to receive information free of charge. (12/02/1243)

In addition, in accordance with the agreement referred to in Article 9a (4), the Board of Study grants shall have the right to exercise, without prejudice to the provisions on confidentiality and other information, access to benefits under this Act. Information obtained by the People's Pension Fund necessary for processing.

The educational institutions referred to in paragraph 2 shall also be entitled, without prejudice to the provisions on confidentiality and access to other information, without prejudice to the provisions necessary for the treatment of benefits under this law. Information free of charge from the authorities and other bodies referred to in Article 41a.

Article 4d (10.6.2005)
Transmission of information

The National Pensions Office shall have the right, notwithstanding the restrictions on access to confidentiality and other information, to waive the following:

(1) to the mfi of which the person has student loans, to increase the interest rate in accordance with Article 34, as well as student loans, and (1998) Information on the completion of the studies;

(2) information on the state guarantee of the student loan and its validity for the monetary financial institution from which the student has applied for student loans;

(3) to the tax administration, information on the number of persons entitled to a student loan allowance and the maximum amount of their student loan deductions and the annual payment of student loans;

4) For the Nordic study aid authorities, information about the study grants for citizens of these countries and Finnish citizens studying in these countries.

ARTICLE 42 (24.11.1995/13)
Use of information

The National Pensions Office shall, in an individual case, be entitled to use the benefit under this law in dealing with the other information received for the performance of the tasks assigned to it, if it is apparent that they affect the benefit under this law and the information is: The law would have the right to take into account decision-making and the National Pensions Office would have the right to obtain such information separately. (9.8.2002/691)

The Ministry of Education has the right to receive information on beneficiaries from the National Pensions Office in so far as it is necessary to carry out the statistical, planning and development tasks of the Ministry of Education. This information shall not include information enabling the recipient to be identified.

ARTICLE 43 (9.8.2002/691)
Technical connection

The National Pensions Office shall, in addition to the provisions of the Article 29 of the ec Treaty (3) shall, under the conditions laid down in that paragraph, open the technical access to the information referred to in Article 441 (d) and (44) to the information provided by the People's Pensions Office to the information referred to in Articles 41 (d) and 44 Based on. (13.3.2003/204)

The provisions of this Article for the transmission of information through a technical service link shall also apply to the right of the People's Pensions Office to obtain the information referred to in Articles 41a and 4b and 4d (2) and (3) by means of a technical service. (10.6.2005)

The technical service opened on the basis of this section shall also be used to retrieve confidential data without the consent of which the obligation of professional secrecy has been laid down. Before opening a technical service, the requesting information shall provide a statement that the data protection is adequately protected.

Article 43a (9.8.2002/691)
Own-initiative disclosure

The National Pensions Office is entitled, in addition to the provisions of the Law on Public Access, notwithstanding the rules on confidentiality and access to other information, to provide to ministries, tax administrations and legal entities: The social security system or entity entrusted with the benefit of the social security benefit under this Act, the identity of the person receiving the benefit under this law or the identity of the person receiving the compensation, and any other identification details, Information on the benefits and benefits paid and The equivalent information necessary for the purposes of the combination of personal data and other one-off checks on personal data relating to social security offences and irregularities, as well as to the police and prosecution authorities; The information referred to above, which is necessary for the detection and prosecution of criminal offences. However, health information or information intended to describe a person's need for social care must not be disclosed.

Article 43b (9.8.2002/691)
Notification obligation

The National Pensions Office shall provide the applicant with information in advance, in the most appropriate manner, on where the information may be acquired and where it can be lawfully disclosed.

ARTICLE 44
Output and transfer ban

You can't foreclose on student money, housing, or student loans. (175,2004/345)

At the request of the relevant authority, the National Pensions Office shall have the right, notwithstanding the restrictions on access to information and other information, to disclose information on the amounts of benefits under this Act, but not on benefits, Are not taken into account in the foreclor (37/1895) in Chapter 4, Section 7 For the purposes of calculating the protection element. In addition, the People's Pension Fund has the right to notify other pensions and other social benefits that are in the file. (9.8.2002/691)

The agreement, which refers to the transfer of a right under this law, is null and void.

Exit L 37/1895 Has been repealed by the Exchequer 17/11/2007 .

ARTICLE 45
Advisory Board on Study Support

The Ministry of Education and the Ministry of Education has a study group, set up by the Council, whose task is to make proposals and deliver opinions on the development and implementation of study grants.

The functions and composition of the Advisory Board shall be governed by the Regulation.

ARTICLE 46
Financing

The State shall reimburses the costs of benefits payable to the National Pensions Office under this Act.

The National Pensions Office shall have five working days prior to the date of payment of the study and residence allowances to inform the State of the amount of the tuition, housing allowances, guarantee liabilities and the amount of the amount of meals payable for the following month. On the basis of the notification, the State shall pay the amount in accordance with the notification to the National Pensions Office at the latest one working day before the date of payment referred to above. (175,2004/345)

In the context of the assessment to be sent over the month following the payment of the study aid, the National Pensions Office shall inform the State of the amount of the aid paid in the previous month, together with the amount of the benefits recovered under Articles 27 and 28. In addition, the National Pensions Office shall inform the State of the amount of the guarantee claims recovered on the basis of Article 38, broken down by year of origin, and the amount of interest payable. The total amount of study loans paid out in the course of the calendar month and the amount of the loans paid to banks under the guarantee exposure amounts to a reduction in the amount of advances and benefits for the same month, as well as of the guarantee receivables and receivables. The sum of their interest. The difference thus obtained shall be taken into account when determining the advance of the month following the submission of the estimate. (12.1.2007/30)

The National Pensions Office shall inform the State on a monthly basis of the amounts of the exemptions granted under Article 39, broken down by year of birth. (12.1.2007/30)

§ 47 (10.6.2005)
Operational expenditure

Expenditure resulting from the implementation of this law to the National Pensions Office shall be counted as expenditure incurred by the National Pensions Office and the expenditure arising from the tasks set out in Article 8 (3) and Article 9a (1) and (2) of that Act.

In the light of Article 9 (a) (4), the operational expenditure arising from the activities of the institution under the contract shall be agreed between the National Pensions Office and the institution concerned.

ARTICLE 48 (17/08/98)
Raising the benefit

The amounts provided for in this Act may be increased by a decree of the Government.

ARTICLE 49 (175,2004/345)
Support for the food of university students

The Social Insurance Institution shall, within the limits of the appropriation allocated to the budget of the State intended to support the catering of higher education students, provide support to the holders of student support and other related management.

§ 50
More detailed provisions

More detailed provisions on the implementation of this law will be adopted by the Regulation.

CHAPTER 8

Entry and transitional provisions

ARTICLE 51
Entry into force

This Act shall enter into force on 1 May 1994, Article 1 (2) of the Act at the time of the regulation.

As regards student aid, this law shall apply to the grant of study grants to a university student for the period from 1 June to 1 July 1994.

This law will repeal:

1) Law of 14 February 1992 on the management of study grants (13/92) ;

2) Study law of 14 January 1972 (1998) With its subsequent modifications. Article 6, Article 7 (1) and (2) and Article 8 of the Student Aid Code shall continue to apply to student loans granted under that law; and (21 DECEMBER 2001/1427)

3) Law of 14 February 1992 on student grants of higher education students (101/92) With its subsequent modifications. The provisions of this Act shall apply to benefits granted under that law.

Before the entry into force of this Act, measures may be taken to implement the law. The Social Insurance Institution is entitled to receive the information referred to in Article 41 (2) (2) and (3) of this Law, even before the law enters into force, in order to qualify for the 1994-95 study grant.

ARTICLE 52
Application of the references in the law

Where reference is made to the provisions of the laws repealed by law or by other provisions adopted pursuant to it or by the provisions thereof, the reference shall be construed as referring to the corresponding legal point of this Act.

ARTICLE 53
Transitional provision on State aid for study grants

The functions referred to in Articles 8 and 9, when the law enters into force on the date of entry into force of this Act, shall, when the law enters into force, enter into force at the time of entry into force of this Act, unless otherwise provided for in this Act or in accordance with Article 9 (3). Agree. At the time of entry into force of this Act, cases pending in the study grants and study grants shall also be referred to the National Pensions Office. However, study grants are carried out by the grants awarded on 30 June 1994, or on the basis of the law on the management of study grants, and the tasks assigned to study grants.

Before the entry into force of this Act, the Centre shall disclose the necessary information to the National Pensions Office.

ARTICLE 54
Transfer of assets of the State study centre

The property of the State Aid Centre shall be transferred to the National Pensions Office at the time of entry into force of this Act.

ARTICLE 55
Responsibility for commitments

On behalf of the State, the Social Insurance Institution shall be responsible for the undertakings given by the State aid centre. The National Pensions Office shall apply mutatis mutandis to the rest of the law as provided for in the Act, taking into account, however, specific provisions on the status of the national pension institution.

ARTICLE 56 (175,2004/345)
Transitional provision on student loans

The provisions of Article 6 and Article 7 (1) and (2) of the repealed Law shall continue to apply to loans granted under the repealed Law Act as they enter into force on the date of entry into force of this Act.

The maximum interest rate on study loans granted under the repealed Student Act shall be the base rate plus up to a maximum of 1,5 percentage points.

Interest subsidies on study loans granted under the repealed Student Act shall no longer be restored.

ARTICLE 57
Transitional provision on study aid

Where the study aid relates to a period of study ending on 30 June 1994, the provisions in force at the time of entry into force of this Act shall apply. If, prior to the entry into force of this Act, a student entitled to a study grant under this law has received a study grant under the revoked study grant for a university degree, a study grant may be awarded to him for that examination in total not more than For a period of seven years. Prior to 1 July 1992, a university diploma or study grant (28,72) In the case of higher education institutions for at least seven years of study may receive study support for university studies starting after that date for a maximum period of 27 months.

The maximum amount of the State guarantee for student loans to the student period shall be increased, in addition to what is provided for in Article 16, one twelfth of the annual interest rate on the student loan under the revoked student loan law. The interest rate shall take into account the maximum interest rate on student loans minus the interest rate subsidy. The rate is determined by the number of student loans in March preceding the academic year.

For the purposes of this Act, the taxable income of parents shall be taxable income in accordance with the taxation provided for in 1992, if the application for study grants was submitted by 31 December 1994 at the latest.

Study aid code (28,72) , the provisions of Articles 37 to 40 of this Act shall, however, be applied in such a way that the recipient may also apply for study grants Article 6 (2) of the The interest rate reduction referred to in paragraph 5.

ARTICLE 58
Transitional provision concerning the treatment of duties under the repealed Student Act

The Social Insurance Institution shall carry out the tasks assigned to the State Board of Education Act and the acts adopted pursuant thereto. The role of higher education institutions and higher education institutions will continue to be performed by the relevant study board or higher education institution.

In accordance with Article 46 of this Act, the State shall reimburse the costs arising from the benefits under the Act Act. The National Pensions Office will have five working days before the last day of March and September to announce the amount of interest rebates to the State. Otherwise, Article 46 of this Act shall apply. The amount of other benefits shall be taken into account in the assessments referred to in Article 46 (2).

The educational institutions shall submit to the National Pensions Code the identities, names and expiry dates of the student loans granted to the National Pensions Act. For the purposes set out in Article 9 (2) of that law, the Social Insurance Institution shall communicate the information to the MFIs.

The tax authorities are entitled to receive the names of the beneficiaries of interest payments under Article 7 (3) of the Law on the National Pensions Act, the names of the beneficiaries and the amounts of interest paid. (17/08/98)

ARTICLE 59
Transitional provision on appeal

Pursuant to the law on student grants and the law on study grants of higher education students, an appeal is brought against the decision rendered following the entry into force of this Act.

The term of office of the Board of Appeal, in accordance with the law on the management of the repealed study grants, shall be extended until 30 April 1995 and the Board of Appeal shall act as a review board within the meaning of Article 31 of this Law.

THEY 226/93 , SiVM 25/93

Entry into force and application of amending acts:

28.6.1994/570:

This Act shall enter into force on 1 July 1994.

Before the law enters into force, measures may be taken to implement it.

THEY WERE , SiVM 5/94

3.3.1995/260:

This Act shall enter into force on 8 March 1995.

This law shall apply for the first time from the date when the first professional schools start their first year.

Before the entry into force of this Act, measures may be taken to implement the law.

THEY 319/94 , SiVM 32/94

21.4.1995/735

This Act shall enter into force on 1 September 1995.

30 JUNE 1995:

This Act shall enter into force on 1 August 1995.

In the case of study aid applications from 1995 to 1996, the increase in study grants referred to in Article 11 (3) may be granted before the provisions in force in force before the entry into force of this Act and may subsequently be increased by a separate A study grant decision.

For those aged 25 to 29 who have been awarded adult learning grants for the 199495 academic year, adult learning may be awarded to the period after the entry into force of this Act in such a way that the maximum period laid down in Article 7 (4) of the Law School Act is not exceeded.

Before the law enters into force, measures may be taken to implement it.

THEY 21/95 , OPM 5/95, PLN 4/95

24.11.1995/1318:

This Act shall enter into force on 1 January 1996.

Before the law enters into force, measures may be taken to implement it.

In the case of a diploma, Article 7 (2) (a) In the cases referred to in paragraph 3 (3), the amount of the student loan may also be paid from State resources where the beneficiary has benefited from a similar benefit from another country party to the Agreement on the European Economic Area.

THEY 100/95 , No 12/95, EV 87/95

22.12.1995/1665:

This Act shall enter into force on 1 January 1996.

THEY 136/95 , SuVM 2/95, VM 4/95, EV 132/95

20.12.1996/1133:

This Act shall enter into force on 1 August 1997.

Before the entry into force of this Act, measures may be taken to implement it.

THEY 208/1996 , StVM 35/1996, EV 223/1996

10.1.1997/49:

This Act shall enter into force on 1 March 1997.

However, the periods of support spent on the courses of temporary vocational higher education referred to in the Law on the trials of youth education and vocational higher education institutions shall be treated as higher education courses and Articles 9, 11 and 12 of the Law shall apply from 1 1 August 1997

A student who has been awarded an adult education under the provisions in force before the entry into force of this Act and which, under the provisions of this Act, would not be entitled to an adult education grant, may qualify for adult learning before this In accordance with the provisions in force before the entry into force of the law, so that the maximum period laid down in Article 7 (4) is not exceeded.

Before the entry into force of this Act, measures may be taken to implement it.

THEY 161/1996 , OPM 16/1996, EV 198/1996

18.4.1997/34:

This Act shall enter into force on 1 May 1997.

The provisions of this Act concerning appeals shall apply to a decision which shall be adopted after the entry into force of this Act. However, the provisions of this Act concerning an additional appeal shall be subject to the additional appeal proceedings brought before the entry into force of this Act.

THEY 7/1997 , StVM 5/1997, EV 24/1997

23.5.1997/457:

This Act shall enter into force on 1 June 1997.

Before the entry into force of this Act, measures may be taken to implement it.

THEY 35/1997 , SiVM 7/1997, EV 49/1997

24.7.1997/710:

This Act shall enter into force on 1 August 1997.

Before the law enters into force, measures may be taken to implement the law.

THEY 37/1997 AVM 8/1997, EV 100/1997

9.10.1997-99:

This Act shall enter into force on 1 January 1998.

Student grants and residence allowances issued before the entry into force of this Act shall be amended to comply with this law from 1 January 1998.

Before the law enters into force, measures may be taken to implement it.

THEY 66/1997 , No 110/1997, No 110/1997

11.12.1997/11:

This Act shall enter into force on 1 January 1998. However, the provisions of Article 11 (1) shall not apply until 1 August 1998.

Before the entry into force of this Act, measures may be taken to implement the law.

THEY 140/1997 EV 159/1997, EV 159/1997

ON 30.12.1997/1403:

This Act shall enter into force on 1 January 1998.

NO 215/1997 AVM 15/1997, EV 230/1997

21.8.1998/636:

This Act shall enter into force on 1 January 1999.

Before the entry into force of this Act, measures may be taken to implement it.

THEY 57/1998 , SiVM 4/1998, EV 80/1998

5.3.1999/30:

This Act shall enter into force on 1 April 1999. The law shall apply to an appeal brought before the law.

NO 83/1998 , LaVM 22/1998, EV 250/1998

21.05.1999/623:

This Act shall enter into force on 1 December 1999.

30/1998 , Case 31/1998, EV 303/1998

21.1.2000/41:

This Act shall enter into force on 1 May 2000. However, Article 20 will not enter into force until 1 August 2000. Article 25a shall apply from 1 March 2000.

Before the law enters into force, action can be taken to implement it.

THEY 73/1999 , SiVM 8/1999, EV 109/1999

15.12.2000/1099:

This Act shall enter into force on 1 January 2001. However, Article 27 (4) and (5) shall apply for the first time in respect of recoveries for 2001. The provisions in force before the entry into force of this Act shall apply for the recovery of 1999 and 2000.

Before the law enters into force, measures may be taken to implement it.

THEY 143/2000 , SiVM 11/2000 EV 150/2000

28.12.2000/1277:

This Act shall enter into force on 1 January 2001.

Before the entry into force of this Act, measures may be taken to implement it.

THEY 150/2000 , TyVM 11/2000, EV 196/2000

17.8.2001/734:

This Act shall enter into force on 1 January 2002. However, Article 27 (4) applies for the first time to recovery in respect of 2001.

Before the law enters into force, measures may be taken to implement it.

THEY 28/2001 , 4/2001, EV 72/2001

31.08.2001/768

The entry into force of this Act shall be governed by a presidential decree. On 1 June 2002, L 768/2001 entered into force on 1 June 2002.)

THEY 40/2001 , UaVM 5/2001, EV

21.12.2001/18:

This Act shall enter into force on 1 January 2002.

Article 15 (5) applies only to the loan guarantee applications for the academic year 2002 to 2003. Article 16a and Article 16b of the Act shall apply to interest rate applications for interest on interest payable only on 30 September 2002 in respect of student loans under the repealed Law. Article 7 (3) and (4) of the repealed Law School shall continue to apply to interest rate applications for interest due on 31 March 2002. Article 34 of this Law applies only to loans granted for the academic year 2003-2004 for the partial recapitalisation of student loans.

Before the law enters into force, measures may be taken to implement it.

THEY 166/2001 , 16/2001, EV 170/2001

3.5.2002/344:

This Act shall enter into force on 1 July 2002.

This law shall apply to interest in late payment after the entry into force of this Act, even if the State guarantee has been established before the entry into force of this Act.

THEY 232/2001 , TaVM 3/2002, EV 36/2002, European Parliament and Council Directive 2000 /35/EC (300L0035); OJ L 200, 8.8.2000, p. 35

31.5.2002/434:
9.8.2002/691:

This Act shall enter into force on 1 October 2002.

This Act repeals the training aid regulation of 8 April 1994 Article 10 of the ec Treaty ( Article 22 (2) and Articles 18 and 22, as amended by Regulation (eec) No 401/1998.

THEY 9/2002 , StVM 16/2002, EV 96/2002

13.3.2003/20:

This Act shall enter into force on 1 June 2003.

Before the law enters into force, measures may be taken to implement it.

THEY 239/2002 , No 17/2002, EV 260/2002

15.8.2003/744:

This Act shall enter into force on 1 January 2004.

THEY 187/2002 , No 278/2002,

30.12.2003/1322:

This Act shall enter into force on 1 January 2004.

THEY 160/2003 , StVM 29/2003, EV 125/2003

7.5.2004:

This Act shall enter into force on 1 August 2004. However, Article 56 shall apply from 1 January 2005.

The adult education allowance shall be subject to the provisions in force before the entry into force of this Act.

Before the law enters into force, measures may be taken to implement the law.

THEY 93/2003 , SiVM 3/2003, EV

7.5.2004:

This Act shall enter into force on 1 June 2004. However, the second sentence of Article 27 (2) shall not apply until 1 September 2004.

The law shall also apply to a benefit unduly paid before the entry into force of the law and to the resulting claim. The period of limitation of the period of limitation shall also be taken into account before the law enters into force. However, under this law, the question shall be aged less than three years after the date of entry into force of the law, unless it becomes obsolete in accordance with the provisions in force on 31 December 2003.

THEY 158/2003 , StVM 4/2004, EV 20/2004

21.12.2004:

This Act shall enter into force on 1 January 2005.

THEY 234/2004 , SiVM 14/2004, EV 188/2004

10.6.2005/408:

This Act shall enter into force on 1 August 2005.

However, Article 14a of this Act shall apply from 1 November 2005.

Articles 7 and 7a of this Act shall apply to a student who takes a student position against a place of study or to be present for the first time on or after 1 August 2005.

The right to a student loan allowance referred to in Article 16c of this Act shall be the student loan beneficiary who, in student selection, receives a higher or lower university degree or a university degree from 1 August 2005, or After that. The reduction shall also be justified by the selected student before 1 August 2005, but shall be registered for the first time on or after 1 August 2005. University studies conducted before the date of entry into force of this Act shall not be taken into account in the calculation of the time for the deduction of student loans.

Before the entry into force of this Act, measures may be taken to implement the law.

THEY 11/2005 , SiVM 5/2005, EV 57/2005

19 MAY TO 399:

This Act shall enter into force on 1 November 2006.

Before the entry into force of this Act, measures may be taken to implement the law.

THEY 9/2006 , EV 38/2006,

1.12.2006/1080:

This Act shall enter into force on 1 May 2007.

Before the law enters into force, action can be taken to enforce the law.

At the time of entry into force of this Act, pending withdrawal applications under Article 31 (1) of this Act shall be settled in the event of insurance.

THEY 125/2006 , ON 10/2006, EV 138/2006

12.1.2007/30:

This Act shall enter into force on 1 May 2007.

Before the law enters into force, action can be taken to enforce the law.

THEY 214/2006 , No 13/2006, EV 193/2006

23.3.2007/359:

This Act shall enter into force on 1 May 2007.

THEY 94/2006 , HaVM 35/2006, EV 295/2006, Council Directive 2003 /109/EC (32003L0109); OJ L 16, 23.1.2004, p. 44

23.3.2007/361:

This Act shall enter into force on 30 April 2007.

THEY 205/2006 , HaVM 34/2006, EV 285/2006, European Parliament and Council Directives 2004 /38/EC; (32004L0038); OJ L 158, 30.4.2004, p. 77, 2004 /38/EC (32004L0038R (01); OJ L 229, 29.6.2004, p. 35 and 2004 /38/EC (32004L0038R (02); OJ L 197, 28.7.2005, p. 34

30.3.2007/390:

This Act shall enter into force on 1 October 2007.

THEY 12/2006 , LaVM 25/2006, EV 268/2006

17.8.2007/792:

This Act shall enter into force on 1 November 2007.

Before the entry into force of this Act, measures may be taken to implement the law.

THEY 6/2007 , EV 12/2007,

21.12.2007/1388:

This Act shall enter into force on 1 January 2008.

Articles 17 and 27 of this Act shall apply to study aid for the period 2008 and beyond. Articles 11, 16 and 20 of the Act shall apply to the period after 31 July 2008.

Before the law enters into force, action can be taken to enforce the law.

THEY 64/2007 , EV 99/2007,

28.12.2007/1456:

This Act shall enter into force on 1 January 2008.

THEY 140/2007 , TyVM 9/2007, EV 132/2007

14.11.2008/6:

This Act shall enter into force on 1 January 2009.

THEY 117/2008 , SiVM 4/2008, EV

30.12.2008/1122:

This Act shall enter into force on 1 January 2009.

Before the law enters into force, measures may be taken to implement the law.

THEY 62/2008 , PuVM 5/2008, EV 193/2008

29.12.2009/16:

This Act shall enter into force on 1 August 2010. If the applicant for study aid is unable to work and the invalidity begins before the entry into force of this Act, the provisions in force at the time of the entry into force of this Act shall apply. Before the law enters into force, measures may be taken to implement the law.

THEY 182/2009 , StVM 42/2009, EV 195/2009

20.8.2010/712:

This Act shall enter into force on 1 March 2011.

THEY 50/2010 , StVM 10/2010, EV 86/2010

30.12.2010/13:

This Act shall enter into force on 1 January 2011.

THEY 218/2010 , StVM 42/2010, EV 246/2010

21.1.2012:

This Act shall enter into force on 1 August 2011.

Pending the entry into force of this Act, the provisions in force before the entry into force of this Act shall apply to the assessment of the adequacy of the progress of studies.

The provisions relating to the period of validity of Articles 7 and 7a shall apply to studies started on 1 August 2011 or later. Prior to this date, the provisions in force at the time of entry into force of this Act shall apply. The studies shall be deemed to have been started on 1 August 2011 or later if the student has taken a student placement or registered for the first time in those studies on 1 August 2011 or later.

Before the law enters into force, action can be taken to enforce the law.

THEY 149/2010 , SiVM 8/2010 EV 194/2010

17.6.2011/675:

This Act shall enter into force on 1 July 2011.

Article 30b shall apply if the retroactive benefit is granted after the entry into force of this Act.

Upon the entry into force of this Act, the provisions in force at the time of entry into force of this Act shall apply to matters relating to the removal of a legal decision pending before the Court of Appeal.

THEY 274/2010 , StVM 51/2010, EV 300/2010

15 JUNE 2012/297:

This Act shall enter into force on 1 August 2012. However, Article 7b (2) and Article 17 (4) shall enter into force on 1 January 2013.

The voluntary contributions to the study and residence allowance granted for 2012 shall be subject to the provisions in force at the time of entry into force of this Act.

Article 25 (7) and (8) and Article 25a (6) of the Law shall apply where a student has taken student selection against a place of study or registered for the first time in such studies on or after 1 August 2011.

Before the law enters into force, action can be taken to enforce the law.

THEY 121/2011 , SiVM 1/2012, EV 38/2012

28.12.2012:

This Act shall enter into force on 1 January 2013.

THEY 133/2012 , TaVL 41/2012, PLL 32/2012, TyVM 7/2012, EV 163/2012

28.12.2012/1078:

This Act shall enter into force on 1 August 2013. However, Article 9a (1) shall enter into force on 1 June 2013. The repeal of Article 32 of the Act shall take effect on 1 May 2013.

Article 7 (6) of the Law applies if a student has taken a student placement or registered for the first time in those studies on 1 August 2013 or later. Prior to this date, the provisions in force at the time of entry into force of this Act shall apply.

Before the law enters into force, action can be taken to enforce the law.

THEY 99/2012 , SiVM 7/2012, EV 147/2012

13/092013:

This Act shall enter into force on 1 October 2013.

THEY 29/2013 , HaVM 9/2013, EV 85/2013

30.12.2013/1166:

This Act shall enter into force on 1 January 2014.

THEY 64/2013 , HaVM 23/2013, EV 223/2013

12:30 TO 12:30:

This Act shall enter into force on 1 August 2014. However, Article 16a (5) shall enter into force on 1 March 2014.

This law will repeal the training aid regulation ARTICLE 2 (2) OF THE , as part of Regulations 2 9 2/1 9 9 7, 990/1998 and 299/2011

With effect from 1 August 2013, the minimum participation requirement referred to in Article 5a (2) shall also be required to consider the study of high school education. At the same time, secondary school courses in a boarding school are always considered to be the main activities.

Article 4a of the Act shall apply to the application of the training organiser before the entry into force of the law, if the training for the entitlement to study starts on 1 August 2014 or later. Where the institution has been treated as a public-controlled institution on the basis of the provisions in force at the time of entry into force of this Act, the provisions in force at the time of entry into force of this Act shall apply until 31 December 2014. If the training has started on 31 December 2014 or in the past, students will be entitled to study aid until the end of training.

The maximum period of Article 7 (2) shall apply to a university student who has completed a university degree, who takes up the place of study or is enrolled in higher education courses at the entry into force of this law. Higher education courses initiated before the entry into force of this Act shall be subject to the provisions of the maximum period in force at the time of entry into force of this Act.

Article 7 (3) and Article 11 (1) (1) to (4) and (3) (1), (3) and (3) (3) (3) and (3) (3) and (3) (3) and (3) (3) of the Law apply to a student who has taken place at university for the first time on 1 August 2014 or after. The above points of law shall also apply to a student who has accepted a place of study before 1 August 2014 but has registered for the first time on 1 August 2014 or thereafter. However, for the first time before the entry into force of the law, a student who has accepted a place of study and enrolled in the presence of a higher education institution shall apply the provisions in force at the time of entry into force of the law, in accordance with Article 11 (1) and (3); Shall be reviewed annually as provided for in Article 11 (6) of this Act.

If the study grant is increased to the same as the study grants in higher education Article 12 of the ec Treaty , the amount of the study grant provided for in Article 11 of this Act shall apply to the period after 31 July 2014.

The amounts provided for in Article 11 of the Act correspond to the number of points laid down in the Act on National Pensions Act 2013. The first increase under the Law on National Pensions referred to in Article 11 (6) of this Law shall take place at the time of entry into force of the law.

Article 15b-15g shall apply to a person who has taken the place of study for the first university degree on 1 August 2014 or thereafter. The above points of law shall also apply to a person who has accepted a place of study before 1 August 2014 but has registered for the first time on 1 August 2014 or thereafter. A person who has accepted a place of study at a higher education institution and registered for the first time prior to the entry into force of this Act shall be subject to the provisions relating to student loans which have been in force at the time of entry into force of this Act.

The income limits provided for in Article 16a (2) and (3) of the Act correspond to the point of reference of the salary coefficient referred to in Article 96 (1) of the Pensions Act 2010. The first revision of the income limits, based on the employee pension scheme provided for in Article 16a (5) of this Act, shall be carried out on 1 March 2014 and shall be consistent with the change in the salary factor in the 2010-2013 period. The revised income limits shall apply to interest subsidies on interest payable on or after 1 March 2014. Interest subsidies granted before the entry into force of this Act shall be subject to the provisions in force at the time of entry into force of this Act.

Article 34 shall apply to interest due on or after 1 August 2014.

THEY 116/2013 , THEY 197/2013 , SiVM 11/2013, EV 189/2013

3.10.2014/78:

This Act shall enter into force on 1 August 2015.

THEY 12/2014 , SiVM 7/2014, EV 88/2014

20.3.2015/249:

This Act shall enter into force on 1 August 2015.

THEY 211/2014 , THEY 357/2014 , SiVM 21/2014, EV 311/2014

24.4.2015/463:

This Act shall enter into force on 1 January 2016.

What is laid down in this Act for the benefit of an accident at work and occupational diseases is subject to the accident insurance law (608/1948) To a similar benefit.

THEY 277/2014 , StVM 49/2014, TyVL 18/2014, EV 315/2014

7.8.2015/886:

This Act shall enter into force on 1 January 2016.

What is laid down in this Act for the benefit of an accident at work and an occupational disease or an agricultural undertaking in respect of an accident at work and occupational diseases, shall apply to the accident insurance law (608/1948) Or farmers' accident insurance legislation (1026/1981) To a similar benefit.

THEY 278/2014 , StVM 50/2014, MmVL 47/2014, TyVL 17/2014, EV 320/2014