• Students at the American University in Bulgaria (AUB), who are Bulgarian citizens and are enrolled in full-time study to obtain a Bachelor's degree;
• Fulbright program scholars who are Bulgarian citizens and are studying at a higher education institution in the US established and operating in accordance with the law;
• Medical specialists in training who are Bulgarian citizens and have enrolled in a postgraduate medical specialisation at a higher education institution established and operating in accordance with the law in the territory of the Republic of Bulgaria;
• Students enrolled in a full-time program to obtain a bachelor's degree in the majors 'Nursing' and 'Midwifery' at an accredited higher education institution in the Republic of Bulgaria, who are Bulgarian citizens and are registered in the second, third or fourth year of their studies at the time of application.

• For students from the American University in Bulgaria - up to 5,000 euros for one academic year, no more than 20,000 euros for the entire period of study;
• For scholarship recipients under the 'Fulbright' program - up to 10,000 euros for one calendar year, no more than 20,000 euros for the entire period of study;
• For medical residents - up to 5,000 euros for one calendar year, not more than 20,000 euros for the entire period of specialisation;
• For students studying in the specialties "Nurse" and "Midwife" - up to 3,000 euros per calendar year, not more than 20,000 euros for the entire period of study.

• Funding for students at the American University in Bulgaria to pay tuition fees, as well as other study-related expenses;
• Funding for Fulbright scholarship recipients and medical residents to cover current needs;
• Funding for students enrolled in full-time education to obtain a bachelor's degree in the fields of 'Nursing' and 'Midwifery' to cover current expenses.

For a loan of 5,000 EUR, with a grace period of 48 months, a repayment term of 120 months, and a 6% fixed annual interest rate for the entire loan term, the APR is 5.62%, the monthly installment is 55.51 EUR, and the total amount due is 7,861.27 EUR. Borrowers have a grace period during which they are not required to pay principal or interest. The duration of the grace period varies for different categories of borrowers and ranges from 2 to 5 years. The grace period can be extended once for a period not exceeding 1 (one) year, in accordance with the terms of the loan agreement. During the grace period, including any extension period, if applicable, the Bank charges annual interest on the drawn and outstanding part of the loan.

For AUB students – from the date the loan is granted until the end of the calendar month in which the student has officially graduated, according to a certificate presented by the student, issued by AUB, but not more than 4 (four) years, unless extended under the terms of the loan agreement.

For Fulbright scholarship recipients – from the date the loan is granted until the end of the calendar month in which the studies are completed, according to an official letter from the Fulbright Commission provided by the scholar, but no more than 2 (two) years, unless extended under the terms of the loan agreement.

For medical residents - from the date the loan is granted until the end of the calendar month in which they receive the documented completion of their residency, according to the employment contract provided by the medical resident with the respective medical institution where the residency is conducted, but not exceeding 5 (five) years, unless extended under the terms of the loan agreement.

For students studying in the fields of 'Nursing' and 'Midwifery' – from the date the loan is granted until the end of the calendar month in which the student officially graduated, according to a certificate presented by the student, issued by the higher education institution, but not more than 4 (four) years, unless extended under the terms of the loan agreement.

• Request for a loan and the accompanying documents/declarations (according to the Bank's templates);
• Valid identification document;
• For AUB students - a document/certificate issued by AUB certifying that the borrower has been admitted/enrolled in a full-time program to obtain a Bachelor's degree at AUB;
• For Fulbright program scholars - a document/letter issued by the Fulbright office in Bulgaria, certifying that the person has been awarded a scholarship.
• For medical trainees - a copy of the employment contract with the medical institution where the specialization is being conducted. If necessary, the Bank may also request other documents proving that the borrower is a medical trainee.
• For students enrolled in a full-time course of study to obtain a Bachelor's degree in the specialisations 'Nurse' and 'Midwife' - a document/certificate issued by the respective higher education institution, certifying that the grant recipient has been admitted/enrolled in full-time study;
• The bank provides financing on the condition that the applicant meets the program requirements, has not reached the maximum funding amount according to the allowable limits, and there is an available guarantee limit at the date of application submission.