Financing your studies

Initial education

NEOMA Business School supports social diversity and equal opportunities to study in top-quality higher-education programmes.

We are fully aware that funding their education is central concern for our students. For this reason we do all we can to help each of you develop a top-quality programme of studies by offering you solutions adapted to your personal situation. The staff at our information and service centre, the HUB, can provide you with information and assist you with your administrative needs.

State grants, loans, academic scholarships… there are many solutions that can help you achieve all your professional ambitions !

Downlaod the Financing guide here.


CROUS state grants

CROUS provides a grant based on your parents' tax status. In order to claim it, you must submit your application between 15 January and 30 April, 2016.

You can also apply for furnished accommodation in a university student residence, and the state may pay the deposit for your accommodation via the CLÉ programme. A detailed description of the procedures and available accommodation can be consulted at: (the portal for student accommodation offered by the CROUS).

NEOMA Foundation scholarships

Our Foundation supports equal opportunities in higher-education. If you are having financial difficulties, the foundation may award you an academic scholarship that can cover up to 50% of your tuition fees. These scholarships apply to all the School's programmes apart from Master 3 and PhD courses.

Interest-free unsecured loans can also be awarded to students in Specialised Masters and Masters of Science programmes.

Student applications for financial assistance are assessed at two annual meetings, based on three criteria :

  • Academic excellence
  • Financial or family circumstances
  • The candidate’s personal merit

Other programmes

There are other financial programmes that you might be eligible for :


Your city, department or region may offer financial aid for students. Contact them to find out more.


This grant is given for university exchange programmes or internships abroad in a European Union country. It can finance a part of your travel and living costs.


The regions provide international mobility assistance for students doing an internship abroad.

To find out more or register, visit: or, or consult your home region’s website.

Depending on your destination, the Ministry of Foreign Affairs lists different aids and grants for students abroad on its website:


Certain staff associations and trade unions also offer student grants. Find out more by contacting the organisations concerned.


Student bank loans

Banks grant loans at a preferential rate of about 1% to students attending  Grandes Ecoles, as long as you have a guarantor. We organise a “banking fair” at the beginning of each school year on our campuses, attended by representatives of around a dozen banks who you can meet to arrange a loan.

Government-backed student loans

The government has set up a student loan guarantee fund in partnership with certain banks (Société Générale, Crédit Mutuel, C.I.C , Banque Populaire and certain Caisses d’épargne). They can offer a maximum loan of €15,000 to all students up to 28 years old, be they French, or citizens of the E.U. or the European Economic Area, regardless of income or parental/third-party guarantees. The interest rate is set by the bank.

The possibility of partially or totally deferring your repayments until you graduate is also at the discretion of the student borrower. Learn more by asking the banks on this programme.

Researching student loans online is a free internet service that search for student loans and puts you in contact with banks. This free service presents the best offers of unsecured loans.

Apprenticeship and student jobs


Certain NEOMA Business School programmes offer the option of following part or all of the course through an apprenticeship. As an apprentice, you are exempt from tuition fees, which your employer takes care of.

Student jobs

The CROUS website regularly lists job offers for students at

On your campus, the Student committee, and societies such as the Junior-Enterprise (Reims Junior Conseil & Altéo Conseil), as well as Atout Job Service (Reims) & AMD Normandie (Rouen) post both full-time and part-time job offers throughout the year.

Continuing education

Whether you are a company or an employee, several schemes exist to finance in service training. Co-funding can take various forms:

CPF: Individual Training Account (law of 5 March 2014)

The CPF replaces the DIF. It is credited in hours (capped at 150 hours) and allows employees to access training courses leading to a qualification.

NEOMA Business School’s programmes are eligible for CPF. You can use your hours to fund these courses.

More information - ‘’COPANEF’’ list, except for sectorial training programmes.

CIF: Individual Training Leave

CIF allows each employee to undergo training during their career, on their own initiative and on an individual basis, to improve their qualifications, obtain promotion or change jobs. This training is funded by OPACIF (FONGECIF, industry OPCA, or AGECIF) depending on the employee's career plan. The employees remain in their post within the company: training takes place during working hours.

There is a possibility of getting training outside working hours, and the teaching costs are covered.

The training plan

The training plan encompasses all activities chosen by the employer related to the company's strategy and development projects: training activities, skills assessment and the validation of professional experience (VAE).

It is drawn up every year by businesses based on the training needs expressed during annual appraisal interviews.

You can obtain information from your compagny's HR or training department.

Professionalization period

The professionalization period is intended to maintain certain employees in their job, via sandwich courses leading to new qualifications.

Financed by professionalization funds, this training can take place during or outside working hours. Funding is covered by OPCA in line with industry agreements. Training must alternate with professional work, within or outside working hours.

Professionalisation contract

The professionalization contract is an employment contract combined with a sandwich course, aimed at integrating new staff, by training them in jobs required by the company. It depend on the employee's age (separate schemes for employees above or below 26 years old).

Find out more from your OPCA.

Regional, national and even European assistance and jobseeker support