Prêt au mérite Per Merito (Università Vita-Salute San Raffaele)

The Per Merito program is an interest-bearing honor loan established by Università Vita-Salute San Raffaele in collaboration with Intesa Sanpaolo to support enrolled students. It provides credit to cover tuition costs for bachelor, master or single-cycle degrees for up to five academic years. Repayment is deferred with a two-year grace period after graduation and can be extended over a flexible period up to 15 years. The scheme requires academic merit and bank solvency criteria for approval.

Full financing of annual tuition fees for up to five years; two-year post-graduation grace period before repayment; flexible repayment terms up to 15 years.

Applicants must be Italian nationals, regularly enrolled in a bachelor, master or single-cycle degree program at Università Vita-Salute San Raffaele, demonstrate consistent academic merit by validating a minimum number of ECTS credits per year, and meet the solvency criteria defined by the partner bank Intesa Sanpaolo.

Access the dedicated page on the university website, submit the loan request via Intesa Sanpaolo's online portal, obtain academic validation from the university, and finalize the loan contract with the bank.