Does the loan interest start from the day I start my course or from when I get the money in Ireland/Germany?

Interest on student loans in both Germany and Ireland usually starts accruing from the day the loan funds are disbursed to you or your institution - not from the start date of your course.

Some lenders may offer a moratorium period, letting you defer payments for a set time (for example, up to 12 months for postgraduates in Ireland). However, interest may still accumulate during this period, leading to higher total repayment.

Review your loan agreement carefully and consult your lender for specific details.