Bureau Credit Registration warns against study debts

Figures from the Bureau Credit Registration (BKR) foundation show that in the first half of this year 6.2% of people were in arrears with their credit. This percentage is at the same level as in 2018. The total number of registered loans increased slightly. When the figures were published, Lender – chairman of the BKR – once again clearly expressed his dissatisfaction with the fact that study debts are not registered with the BKR.

Figures in short


The most important figures in a row:

  • In total there are now more than 10.9 million consumers with a registered credit
  • In the first half of 2019, 6.2% of these consumers had payment arrears
  • The total number of people in arrears increased by 5,000 to 675,000
  • Most backlogs disappear within a year (more than 70%). That was almost 80% in 2015.

Large differences between age categories

Large differences between age categories

The BKR has also divided the figures by age category. Then it appears that there are major differences. In percentages 31-40 we see the most backlogs as a percentage. With almost 12%, that is almost twice as high as the average. We also see that payment arrears occur more often than average among people younger than 31. Below we show the payment arrears per age category.

Student loan is also a credit

Student loan is also a credit

When publishing the figures, the BKR again points to the risk of study debts. These are not currently registered with the BKR, which – according to Lender of the BKR – increases the risk of payment problems. The BKR is of the opinion that if consumers apply for a loan or mortgage, the banks and lenders where they apply should have an insight into the total outstanding credit balance – thus including any study debts.

Together they have nearly 22 billion study debt. That is more than the outstanding amount of consumer credit. Research shows that four in ten former students do not give up the study debt when applying for a The fact that the government does not want to register the study debt is therefore a cause for concern: as a society we should not put our heads in the sand and ensure that both consumers and lenders have a total overview of all outstanding loans and payment behavior. then we can ensure that people do not end up in debt. “

The reason that study debts are not registered with the BKR is that when the loan system was introduced it was agreed that this would not happen. Alternatives such as a declaration of debt issued by the Education Executive Agency (DUO) currently lack political support. It therefore appears that the wish of the BKR and many market parties to make study debts more transparent will not be met by the politics for the time being.

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