What is the moratorium period for education loan repayment after course completion in New Zealand/France?
24 Aug 2026 · Answered by Tamanna Jaisingh · 1 min read
The moratorium period for education loan repayment after course completion depends on the country and lender.
- New Zealand: Repayments usually start from April 1 following the end of the tax year after you leave New Zealand. If you stay overseas for more than 6 months, your loan may start accruing interest. Returning to New Zealand for at least 5 months can restore interest-free status.
- France: The moratorium period varies by lender, but a grace period of 6 - 12 months after graduation is typical before repayments begin.
Exact terms and interest accrual during the moratorium depend on your specific loan agreement.
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