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€100k Studieschuld on an €8k Salary: The Dutch Debt Strategy That Feels Wrong But Makes Sense

Netherlands

Mar 9, 2026

€100k Studieschuld on an €8k Salary: The Dutch Debt Strategy That Feels Wrong But Makes Sense

A 28-year-old Dutch theoretical physicist faces a €100k student debt with a salary jumping from €4.4k to €8k. The mathematical answer to his repayment dilemma will infuriate financially conservative expats.

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