This Student Loan Agreement is designed for use in the New Zealand tertiary education sector, providing the legal framework for government-funded student loans to eligible students pursuing approved courses of study. The agreement is essential for documenting the financial relationship between the New Zealand Government and student borrowers, ensuring compliance with the Student Loan Scheme Act 2011, Credit Contracts and Consumer Finance Act 2003, and other relevant legislation. It should be used when a student applies for government funding for tertiary education, whether for course fees, course-related costs, or living expenses. The document includes comprehensive details about loan terms, repayment obligations, borrower responsibilities, and privacy considerations, while accounting for both domestic and international student circumstances.
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1. Parties: Identifies the lender (typically the New Zealand Government) and the borrower (student), including full legal names and contact details
2. Background: Explains the context of the student loan scheme and its purpose under New Zealand legislation
3. Definitions: Defines key terms used throughout the agreement, including 'course of study', 'loan amount', 'repayment threshold', and other relevant terms
4. Loan Details: Specifies the maximum loan amount, purpose of the loan (tuition fees, course-related costs, living costs), and any applicable fees
5. Term of Agreement: States when the agreement begins and the conditions for its continuation
6. Borrower Eligibility: Sets out the criteria the borrower must meet to be eligible for the loan
7. Loan Disbursement: Details how and when the loan funds will be disbursed
8. Interest and Fees: Explains the interest-free nature of domestic loans and any applicable administration fees
9. Repayment Obligations: Details the repayment requirements, including income thresholds, payment calculations, and mandatory repayment amounts
10. Default and Collections: Outlines what constitutes default and the consequences of failing to meet repayment obligations
11. Privacy and Information Sharing: Explains how the borrower's personal information will be collected, used, and shared
12. Amendments and Variations: Describes how the agreement can be modified and circumstances where terms may change
13. Governing Law: Confirms the agreement is governed by New Zealand law
1. Overseas-Based Borrower Terms: Additional terms that apply when the borrower is living overseas, including interest charges and reporting requirements
2. Hardship Provisions: Terms relating to financial hardship applications and temporary repayment suspensions
3. Death or Disability Provisions: Terms covering loan write-off in case of death or permanent disability
4. Study Performance Requirements: Additional conditions relating to academic performance and continued eligibility
5. Joint/Guaranteed Loan Provisions: Terms for cases where a guarantor is required or where joint liability applies
6. Early Repayment Terms: Provisions for voluntary additional repayments and any associated benefits
1. Schedule 1: Loan Amount and Purpose Breakdown: Detailed breakdown of the loan components (tuition, course-related costs, living costs)
2. Schedule 2: Fee Schedule: List of all applicable administrative fees and charges
3. Schedule 3: Payment Schedule: Expected repayment calculations based on different income scenarios
4. Schedule 4: Required Forms and Documents: Templates for additional forms required during the loan term
5. Schedule 5: Privacy Statement: Detailed privacy policy and information handling procedures
6. Appendix A: Student Loan Scheme Act Summary: Summary of key legislative provisions affecting the borrower
7. Appendix B: Contact Information: Complete list of relevant contact information for loan administration and support
Authors
Relevant legal definitions
Clauses
Relevant Industries
Education
Financial Services
Government
Legal Services
Public Sector
Higher Education
Vocational Training
Relevant Teams
Legal
Finance
Student Services
Compliance
Risk Management
Collections
Education Services
Administrative Services
Policy Development
Customer Support
Relevant Roles
Financial Aid Officer
Student Loans Administrator
Education Services Manager
Compliance Officer
Legal Counsel
Student Support Advisor
Finance Manager
Education Policy Advisor
Enrollment Officer
Student Services Coordinator
Risk Management Officer
Collections Officer
Privacy Officer
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