This page includes examples of the amounts of debt that could be written off under the individual schemes and by combining two or more schemes. You need to read the pages below to find complete information about the schemes. No write-off is automatic. You need to apply. Find out when and how to apply by clicking on the links below. The information in brackets indicates the chapter of the repayment regulations that relates to the scheme.
- Primary or secondary school teacher training (Chapter 11)
- Teacher training in natural sciences, foreign languages, Sami or Kven (Chapter 10)
- Primary school teacher in Finnmark or Nord-Troms (Chapter 9)
The amount you save will be higher than the amount that is written off
You should also remember that you do not have to pay interest on the amount that is written off.
Example 1 - Norway as a whole
If you are a qualified engineer or hold a master’s degree in natural sciences or foreign languages and subsequently complete practical educational training (PPU), up to NOK 50,000 of your student loan could be written off.
- This constitutes a write-off of debt pursuant to Chapter 10 of the repayment regulations. You need to apply immediately after completing your degree.
Example 2 - Norway as a whole
If you are completing the five-year primary and lower secondary teacher training programme for years 5-10 or the upper secondary teacher training programme for years 8-13 within the standard timeframe and you work as a teacher in a primary, lower secondary or upper secondary school anywhere in Norway for three of the first six years after completing your degree, up to NOK 51,000 of your student loan could be written off.
- This constitutes a write-off of debt pursuant to Chapter 11. You need to apply immediately after having worked as a teacher for three years.
Example 3 – Norway as a whole
If you are completing the five-year primary and lower secondary teacher training programme for years 1-7 within the standard timeframe and you work as a teacher in a primary or lower secondary school anywhere in Norway for three of the first six years after completing your degree, up to NOK 106,000 of your student loan could be written off.
- This constitutes a write-off of debt pursuant to Chapter 11. You need to apply immediately after having worked as a teacher for three years.
Example 4 – Norway as a whole
If you are completing the five-year primary and lower secondary teacher training programme for years 1-7 within the standard timeframe and your master’s degree subject/specialisation is natural sciences or foreign languages or you have accrued a minimum of 60 credits in Sami or Kven languages as part of your teacher training and you subsequently work as a teacher in a primary or lower secondary school anywhere in Norway, up to NOK 156,000 of your student loan could be written off.
- NOK 50,000 can be written off pursuant to Chapter 10 and you need to apply for this immediately after completing your degree.
- NOK 106,000 can be written off pursuant to Chapter 11 and you need to apply for this immediately after having worked as a teacher for three years.
Example 5 - Northern Norway, excluding the action zone*
If you are completing the five-year primary and lower secondary teacher training programme for years 1-7 within the standard timeframe and you subsequently work as a teacher in a primary or lower secondary school in Northern Norway for three years, up to NOK 161,000 of your student loan could be written off. You can complete your programme anywhere in Norway.
- NOK 106,000 can be written off on the basis of completing the primary and lower secondary teacher training programme within the standard timeframe (Chapter 11)
- NOK 55,000 can be written off on the basis of working as a teacher in Nordland, Troms or Finnmark during the accrual period.
- You should submit a single application upon completion of the accrual period.
Example 6 – Finnmark and Nord-Troms (action zone)*
If you combine several schemes, up to NOK 361,000 could be waived over a period of three years. In order to be eligible for the maximum amount, you need to complete the five-year primary and lower secondary teacher training programme for years 1-7 within the standard timeframe with natural sciences or foreign languages as your master’s degree subject/specialisation or accrue at least 60 credits in Sami or Kven languages as part of your training and subsequently work as a teacher in a primary or lower secondary school in Finnmark or Nord-Troms for three years. If you continue living and working as a primary or lower secondary school teacher in the region, a further NOK 50,000 may be waived each year. You can complete your programme anywhere in Norway.
- NOK 50,000 can be written off pursuant to Chapter 10 and you need to apply for this immediately after completing your degree.
- NOK 106,000 can be written off on the basis of completing the primary and lower secondary teacher training programme within the standard timeframe. You should submit an application upon completion of the accrual period.
- NOK 55,000 can be written off on the basis of working as a teacher in Nordland, Troms or Finnmark during the accrual period (Chapter 11). You should submit an application upon completion of the accrual period.
- NOK 150,000 can be written off (NOK 50,000 x three years) pursuant to Chapter 9 on the basis of you working as a qualified teacher in a primary or lower secondary school within the action zone. You must submit an application each year upon completion of the accrual period.
Explanation of the examples
The assumption for each example is that the actual loan (excluding interest) is at least as large as the amount that could be written off.
*) Northern Norway refers to the counties of Nordland, Troms and Finnmark. Action zone refers to all municipalities in Finnmark and the following municipalities in Troms: Lyngen, Storfjord, Kåfjord, Skjervøy, Nordreisa, Kvænangen and Karlsøy.