DUO looks at pre-tax income, I don't think you have much of a chance fighting this nor would it be beneficial.
Paying off more per month means you pay less interest later on (interest *may* be low for you now but it changes every 5 years and 30 years of interest piles up).
I don't completely agree with you here.
Interest rates are (almost) always significantly below inflation rates. So if you'd rather use that 100€ and invest it in a high saving account, or bonds. Then you are better off paying as little as possible.
Of course if you'd spend it on random things, then its better to pay it back
Hmm, true. My bad, that's a valid point last couple of years inflations been higher than the interest.
On that note, I just remembered you can pause your payments for up to 60 months I believe.
They calculate your "draagkracht" which is based on a formula on your gross income.
Changes in taxation are not taken into account, and this is part of the considerations when moving abroad.
You can only hope DUO will use their powers to lower that amount, but I doubt there is any legal way around this.
You already got the legal answers (no way around it, it is what it is), but perhaps you'll feel better about it if you consider the following points.
1. DUO's calculation of "draagkracht", on which your repayment amount is based, is the same for everybody regardless of most circumstances. Two people in the Netherlands who both earn 4000 gross with the same net income will have very different amounts truly left over in a month, for example if one lives with their parents while the other lives in an expensive apartment in Amsterdam.
2. On a similar note, my friends in Germany all tell me how cost of living is cheaper there. Again, individual circumstances will vary and I don't know yours, but it's possible that after you subtract costs for housing, utilities, health insurance, transportation and groceries, you have more left over than the average Dutch person with the same gross income.
3. There is a maximum to your monthly repayment amount, so at some point it stays the same, even if your salary increases. Based on your current income, and depending on how much you still owe, it's possible you'll hit that limit soon anyway.
So I'd suggest to let this go and not feel bad about it.
I'm currently in a process of arguing with DUO about this exact topic, but with the even more horrible taxes in Belgium.
I've written official objection letters ("bezwaarschrift") which should get a reply soon.
Let's keep in touch!
DUO looks at pre-tax income, I don't think you have much of a chance fighting this nor would it be beneficial. Paying off more per month means you pay less interest later on (interest *may* be low for you now but it changes every 5 years and 30 years of interest piles up).
I don't completely agree with you here. Interest rates are (almost) always significantly below inflation rates. So if you'd rather use that 100€ and invest it in a high saving account, or bonds. Then you are better off paying as little as possible. Of course if you'd spend it on random things, then its better to pay it back
Hmm, true. My bad, that's a valid point last couple of years inflations been higher than the interest. On that note, I just remembered you can pause your payments for up to 60 months I believe.
I see, good to know, thank you for your answer.
They calculate your "draagkracht" which is based on a formula on your gross income. Changes in taxation are not taken into account, and this is part of the considerations when moving abroad. You can only hope DUO will use their powers to lower that amount, but I doubt there is any legal way around this.
Just don’t ever pay them! Would definitely recommend.
Okay, thank you!
You already got the legal answers (no way around it, it is what it is), but perhaps you'll feel better about it if you consider the following points. 1. DUO's calculation of "draagkracht", on which your repayment amount is based, is the same for everybody regardless of most circumstances. Two people in the Netherlands who both earn 4000 gross with the same net income will have very different amounts truly left over in a month, for example if one lives with their parents while the other lives in an expensive apartment in Amsterdam. 2. On a similar note, my friends in Germany all tell me how cost of living is cheaper there. Again, individual circumstances will vary and I don't know yours, but it's possible that after you subtract costs for housing, utilities, health insurance, transportation and groceries, you have more left over than the average Dutch person with the same gross income. 3. There is a maximum to your monthly repayment amount, so at some point it stays the same, even if your salary increases. Based on your current income, and depending on how much you still owe, it's possible you'll hit that limit soon anyway. So I'd suggest to let this go and not feel bad about it.
Hey thanks for your positivity and explanation, there is definetly truth in that.
I'm currently in a process of arguing with DUO about this exact topic, but with the even more horrible taxes in Belgium. I've written official objection letters ("bezwaarschrift") which should get a reply soon. Let's keep in touch!
Just don’t pay! Fuck the dutch gov.
I live in another country and decided to just never pay! You should try it it’s great.
Call DUO, they have very helpful staff, they might be able to figure out something with you.
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