Financing your studies
Financing solutions to help you make your project a reality.
Audencia provides financial aid solutions to facilitate access to its programs: bank loans, scholarships, corporate assignments, and payment facilities. Find out what financial aid is available to help you prepare for your studies.
Anticipating expenses
Budgeting
To ensure that your studies go smoothly, it's important to ask yourself the question of financing and to take the time to evaluate your expenses and budget before starting your studies.
Here's a typical budget that includes the approximate expenses you might incur while studying. Keep in mind that every student is different, and your spending habits will determine whether you fall above or below the average.
| Cost of living in Nantes | |||
|---|---|---|---|
| Rent per month | Host family Private apartment Hotel residence | 350€ 450€ -. 600€ 450€ - 700€ | |
| Charges per month | Electricity Gas Internet | 15€ - 30€ 15€ -... 30€ 15€ - 30€ | |
| Contribution à la vie étudiante et universitaire (CVEC) | 100€ per year | ||
| Doctor | 25€ - 40€ per consultation | ||
| Transport | Bicycle Bus/tram ticket Monthly pass Annual pass Taxi | 20€ per month 1,80 36€ 238€ 3€/km | |
| Trains | Average train ticket from Nantes Ticket Nantes - Paris one-way With carte Jeune | €79 €59 €50 | |
| Fixed telephone | Monthly rate (excluding installation costs) | €20 - 40€ | |
| Mobile phone | Subscription | 5 - 50€ | |
| Food | Groceries Baguette 1kg pasta 1kg rice Fast Food 6 eggs Sandwich Restaurant | 150€ per month 1€ 1,80€ 2,50€ 10€ 2,50€ 4€-7€ 15€ - 30€ per person | |
| Linen | Washing Drying | 6€ 2€/10 min | |
| Hairdresser | Women Men | 25€ - 60€ 15€ - 25€ | |
| Cinema | Student price | 10€ | |
| Museums | Student price | 5€ - 10€ | |
| Opera | Student price | ||
Student loans
Partner banks
Audencia has negotiated partnerships with several banking establishments to enable students to benefit from loan offers at preferential rates.
Most loans granted by French banks require a guarantor residing in France. Audencia does not act as an intermediary in these transactions and has no responsibility for negotiating these agreements.
- 80 € offered for the opening of the first account with BNP Paribas*
- Free Esprit Libre Initiative offer with a Visa Classic* or Visa Premier* card for the duration of your studies** with an operation of your BNP Paribas account
- Student formula home insurance reimbursed the 1st year*
- Free international withdrawals with Global Alliance
- For all student loan applications, the rate will be communicated directly in the branch.
*Subject to acceptance by BNP PARIBAS
**The free offer is subject to the use of the bank card for a payment and/or withdrawal during the month, otherwise the offer will be invoiced
Discover the full offer and conditions on BNP Paribas & Audencia
- Student credit at preferential rate*
- A welcome offer of €80 (condition: within 3 months with active account)
- A banking package and bank card from €1/month
*subject to acceptance of your application by the Caisse d'Epargne Bretagne Pays de Loire
Discover the full offer and conditions on Caisse d'Epargne & Audencia
As part of our partnership with Audencia, we offer students :
- A free bank card with immediate or deferred debit adapted to your daily life in France or abroad.
- Insurance for your home, shared flat, car, 2-wheeler, scooter, etc.
- Preferential terms for financing your studies (tuition fees, accommodation, experience abroad, etc.)
- A savings solution to optimize your savings
A loan is a commitment and must be repaid. Check your repayment capacity before committing yourself.
Find out more about our offers and conditions
At Crédit Agricole, it's not just about offers, it's also about advice!
To help you make your plans a reality, our advisors are available in all our branches or by telephone on 09 693 693 00 (price of a local call).
CIC Ouest, partner of Audencia and your studies!
Thanks to the CIC Ouest - Audencia partnership, open your account with CIC Ouest and benefit from unbeatable conditions to finance your studies!
- 1 year free on your personal parcours.J+* contract, including an international bank card and the CIC application to keep an eye on your account at all times.
- Your student loan at 0% fixed APR* (for students with a taxable household income of less than €28,797) and at 1.20% fixed APR* for all others, with no application fees!
For full details and conditions, visit your local CIC partner branches: CIC Nantes Jules Verne or CIC Nantes Ouest Beauséjour.
Credit is a commitment. Check your repayment capacity before committing yourself.
* Offers subject to conditions and valid until 31/12/2024. Conditions and details at your partner CIC branches and on cic.fr.
Find out more about the 0% loan: zero-rate student loan | CIC
SG accompanies you throughout your studies:
- Up to €160 offered and your card at €1 per year for 4 years with the partner offer (QR code)
- €80 offered for opening a first SG bank account
- + Sobrio at €1 for 4 years if subscribed at the same time.
- + 80 € offered for subscription to the Welcome Service, free banking mobility assistance service SG.
For all student loan applications, the rate will be communicated directly to the agency
- Student credit at preferential rates*.
- A welcome offer of €80
- Free Visa Premier card for 4 years
- LCL City Explorer option at €2/month for your stays abroad
*subject to acceptance of your application by LCL
A welcome offer and a student loan at a promotional rate of 1.99% with no application fees and no guarantor.
Discover our exclusive offer for AUDENCIA students:
- Loan of €1,000 at 0% over 36 months, no application fees.
- Student loan up to €60,000 at 1.90%, no application fee.
- Visa Premier Card at €1/year for 6 years.
- Welcome bonus of €80 on account activation.
State-guaranteed loan
For French students or European Union nationals without a guarantor, the Ministry of Higher Education offers, through the BPI France guarantee fund, a state-guaranteed student loan of up to €20,000, with no personal guarantee and no means-testing.
CROUS scholarships
Higher education grants are administered by the French government. Applications for scholarships based on social criteria are made using the student social file (DSE).
Students in initial training, under 28 years of age, French nationals and Europeans (under certain conditions).
The financial situation of the tax household, as well as the number of people in it, define the step, ranging from 0 bis to 7, in which the scholarship student is placed. Depending on the level, the amount of the grant varies between €108.40 and €596.50 per month, from September to June (with some exceptions).
The amount of the grant varies between €108.40 and €596.50 per month, from September to June (with some exceptions).
- From January to May: follow the steps outlined on the Nantes CROUS website to compile your CROUS student social file (DSE).
- Three months after submitting your complete file: you receive conditional notification of a CROUS grant award.
- At the start of the academic year: you submit the conditional CROUS grant notification to Audencia via the internal Tomorrow application (NB: accessible to students only; new students will have to wait until the start of the academic year to access the platform). The validation of this notification is crucial for the payment of your CROUS scholarship. Once your academic registration and the eligibility of your program have been validated by Audencia, you receive the final notification from CROUS, indicating that your scholarship will be paid shortly.
Audencia scholarships
CROUS scholarship students admitted to the Grande Ecole, Bachelor in Management and BBA programs can benefit from a social criteria admission scholarship based on criteria specific to each of these programs. More information on the Admission Scholarship page for these programs:
During their studies, students can benefit from Audencia Scholarships awarded on the basis of social criteria. To apply, students submit scholarship applications during their studies, on the dates defined by their program. This can represent assistance ranging from 10% to 60% of the year's tuition fees, depending on the student's situation.
Envoléo scholarship
The Pays de la Loire Region supports mobility abroad for a minimum of 3 months if you need to do an internship or further study, abroad, as part of your Loire training course.
Erasmus+ Student Scholarship
The Erasmus+ Student Scholarship is a financial aid for students who need to study abroad for a minimum of 3 months as part of their training course.fr/">More information
Erasmus+ Study Grant
The Erasmus grant is financial aid for students wishing to spend part of their studies in one of the 28 European countries, Turkey, Iceland, Norway, Macedonia or Liechtenstein.
Who can apply?
Students with a reconnaissance de la qualité de travailleur handicapé (RQTH)or who have applied for RQTH (application in progress) on presentation of the receipt for filing your application with the Maison départementale des personnes handicapées (MDPH).
How much is the scholarship?
The scholarship represents up to 10% of the tuition fees for your program in the current academic year. This scholarship can be renewed each academic year upon submission of a new application.
When to apply?
Two campaigns: application submission in October and May
Social scholarships, mobility grants, support for entrepreneurial projects, emergency aid...: thanks to the support of its many donors and partners, the Audencia Foundation works with several student populations at Audencia to enable them to pursue their studies and carry out their student projects.
Paid in-house assignments
Apprenticeship programs allow you to finance your studies while alternating between theoretical training and professional experience in a company.
In addition to its educational benefits, an apprenticeship allows you to become an employee of a company and be paid the legal minimum wage (which may be negotiable) for the duration of the contract.
During this period, tuition fees are covered by the apprenticeship program.
For more information, see the “Apprenticeship Training” page for your program.
Most programs at Audencia include an internship period. These internships are generally paid.
For more information and to find out about internship opportunities during your time at Audencia, please visit the “Internship” page for your program.
"Audencia Junior Conseil" Association
During the academic semesters, the Audencia Junior Conseil Association at Audencia Grande École regularly offers assignments to students.
More information
"Jobencia Service" Association
Jobencia Service supports students in their search for paid assignments that allow them to put into practice some of the skills they have learned at Audencia.
More information