Funding your studies

With this type of loan, you will pay interest during your studies and then start to repay the loan itself with any outstanding interest once you have graduated.

With this type of loan, you will only start repayment of the loan plus interest at the end of your studies. You will just have the loan insurance to pay during your studies.

To facilitate access to loans for students, certain banks provide state-guaranteed student loans. This system enables students with no financial backing from a family member or financial equity to access student loans. Banks offering this type of loan can grant loans of up to €15,000, for a maximum period of 10 years. Banks offering this service include the Société Générale, the Crédit Mutuel, the C.I.C., the Banques populaires et the Caisses d’épargne du groupe B.P.C.E.

For more information

French-State Grants – CROUS

(These are only accessible to French Nationals or European students who have worked in France or with parents living in France or – full details are available at the link)

• To find out about CROUS scholarships, check the following link: https://usine.crous-clermont.fr/bourses-2/
• You can follow the progress of your student social file and grant application online at www.messervices.etudiant.gouv.fr/envole/. Students may also apply for state student housing and will also be eligible for the CAF housing aid. Please note that students are responsible for purchasing their own housing insurance.
• The CROUS also provides a scholarship simulator which is accessible via the following link: https://simulateur.lescrous.fr/

Other CROUS Financial Aids

• Annual allowance: This aid is a grant based on social criteria. It allows you to be exempted from university fees and student social security contributions.
• Specific one-time financial aid: This type of aid is intended to help you to continue studying in the event of exceptional financial difficulties encountered during the academic year. Your situation will be assessed by the student social services. This one-time aid may be cumulated with any one of the following financial aids including the social criteria grant, the annual allowance, the international mobility grant or the merit-based grant.

Other aid available from Crous :

In order to help students as much as possible, the Crous has set up a series of aids in addition to its traditional catalogue, the Crous exceptional aids. This aid can give you a helping hand in your daily life and can be a complement to the traditional aid from Crous or the CAF. In addition to this aid, you can also find out how to save money on various items such as housing, energy or the driving licence, for which ornikar will help you find the price according to your needs. Please note that all applications can be made online on the dedicated platforms and you will never be asked to provide your credit card details. Please note that if you have a problem with your bank card following a payment on a remote payment terminal, defined on this page, go to the Perceval government platform to follow the opposition procedure.

• CROUS Student Housing: Applications must be made every year between 15th January to 31st May for the following academic year. This procedure enables the student to obtain accommodation in a CROUS residence (room, mini-flats, studios, T1 or T2) and/or a grant based on social criteria.
• Accommodation in a student hostel or low-income housing: please refer to the CROUS (Clermont-Ferrand) website.
• Accommodation in the private sector: check with the student accommodation centre http://www.lokaviz.fr or a real estate agency (agency, website, newspapers, etc.). International students can contact the housing agency Moversia. The international office will provide you with details.
• APL and ALS: Students can benefit from personalised housing assistance (A.P.L.) and social housing allowance (A.L.S.). These two types of aid are granted by the Caisse des Allocations Familiales (CAF) on the basis of social criteria (resources, family situation, type of accommodation, etc.). This aid is only available to international students either from Europe staying for a period of at least one-full semester or non-Europeans with a long-term student visa.
• CLE (Caution Locative Etudiante) : The CLE is a State guarantee which facilitates access to housing for students without personal guarantors (https://www.lokaviz.fr/n/faire-une-demande-de-caution-locative-etudiante-cle/n:513)
• LOCA-PASS : Intended to facilitate access to housing for young people and is mainly for scholarship students (mainly French nationals). Applicants must meet all the criteria to be eligible. The LOCA-PASS® Advance is an aid in the form of a 0% loan to finance all or part of the guarantee deposit (https://www.actionlogement.fr/l-avance-loca-pass).

• The Jacques LAMBERT Foundation provides scholarships of up to €2500 for 1st-year MGE students with French nationality and who are experiencing significant financial difficulties. Applicants must have achieved outstanding academic results during the previous year and during the first semester of the MGE program. For more information, please contact the School’s Administrative Services.
• Company scholarships or pension fund social services: Get in contact the social services department of the company employing your parents. Pension funds may offer scholarships to the children of their contributors. Do not hesitate to consult the social service of the pension fund to which your parents contribute.
• The annual rate of merit-based aid: This concerns students who achieved a “very good” grade in the last session of the French baccalaureate and who are eligible for a higher education scholarship (mainly French nationals)
• Disability compensation benefit: Extended to disabled persons under 21 years of age. This personalised assistance is calculated by the departmental disability centre for disabled staff according to the student’s specific disability and needs. To find out more, visit the public service and handicap.gouv.fr website
• ASSEDIC social funds: Students registered with the French Unemployment Agency (Pôle Emploi) before their integration into the school: Contact your local Pôle Emploi adviser to see if you can benefit from aid.

• Erasmus Grants: Erasmus is a European student exchange programme promoting studies within in Europe. The network of Erasmus institutions ensures a good welcome and daily support for students during their studies abroad. Contact the ESC International Relations Office (IRO)to find out about the ESC’s Erasmus partner institutions. Please note that this grant is not guaranteed.
• Regional Council Grants: These are awarded to students studying abroad. The study program abroad must be an integral part of the program of the home institution in the Auvergne-Rhône-Alpes Region. Each student receives aid for a mobility period of 3 to 10 weeks. Applications must be made before the start of the placement or period of study abroad. The application form is available on the Region’s website. Your login details and passwords will be provided by the ESC’s IRO.
• Twin Cities” Municipal Scholarship: The City of Clermont-Ferrand will contribute, on a means-tested basis, to the cost of a work placement or study period in one of the following twin-cities: Salford (England), Aberdeen (Scotland), Gomel (Republic of Belarus), Oviedo (Spain), Regensburg (Germany), Braga (Portugal), Norman (United States). For further information on how to apply, please contact the International Relations Office at the ESC. Applications must be returned by the deadline set by the IRO at the ESC. Applications will be examined during the first semester.The City of Clermont-Ferrand will contribute, on a means-tested basis, to the cost of a work placement or study period in one of the following twin-cities: Salford (England), Aberdeen (Scotland), Gomel (Republic of Belarus), Oviedo (Spain), Regensburg (Germany), Braga (Portugal), Norman (United States). For further information on how to apply, please contact the International Relations Office at the ESC. Applications must be returned by the deadline set by the IRO at the ESC. Applications will be examined during the first semester.

Study mobility passport: Reimbursement of the plane ticket for students of under 26 years of age from the French Overseas Departments and Territories who are forced to study in mainland France because the field of study in which they are studying is non-existent or saturated. This scheme is managed by ADOM (the Overseas Agency for Mobility).

• The “Welcome to Clermont” Scholarship: A scholarship to help scholarship students who enrolled via the Foundation Program Classes to get settled into their student life in Clermont.
• The Social Scholarships: The Social Scholarships Award contributes either partially or totally to financing tuition fees for students enrolled in one of the ESC Clermont’s programmes, according to various criteria: financial, social, academic, and behavioural (attendance, motivation, involvement).
• Sports Scholarships: These scholarships are based on social criteria and are awarded to high-level sports students who are studying at ESC Clermont Business School in parallel with their sports activities. The aid provides partial exoneration of tuition fees and enables students to reconcile their studies with their sporting commitments (training and competitions).
• Mobility Grants: Mobility Grants are based on academic and social criteria, and are awarded to students enrolled in their final year of the Master Grande Ecole programme and who are participating in a double degree program at one of the ESC Clermont Business School’s partner universities in North America, South America, Asia-Oceania and Europe. They aim to encourage and support our students’ international experiences.
• The Emergency Reserve Fund: This reserve fund is intended to provide exceptional assistance to students suddenly faced with emergency situations.

This provides a partial reduction in fees for students who encounter difficulties (accidents, illness or death of a parent, etc.). You do not need a scholarship to benefit from this.

It is possible to pay fees in monthly instalments or obtain a discount for a total advance payment of the annual fees.