Citizens with KYK debt can check all their outstanding balances through the e-Government portal using their Turkish ID number. Enter your T.C. identification number and e-Government password to see your total debt in one step.
What Is KYK Loan Debt?
A KYK payment refers to amounts related to services provided to students during their higher education. In this context, the term KYK debt covers both loan and dormitory charges. Students may stay in dormitories managed by KYK during their studies.
While residing in these dormitories, students are charged a monthly dorm fee. Students who receive loan support and use the bank cards provided for purchases must pay at least the minimum required installment each month based on their card usage.
In addition, if a student has received an education loan, they are required to repay the amount received during their study period through the designated payment channels.
What Is KYK Dormitory Debt?
KYK dormitory debt is the fee charged for accommodation provided to students who study in cities other than their place of residence. Dormitory charges are billed monthly for the duration of the student’s stay, and the payment deadline for dorm fees is the last day of each month.
What Is a KYK Scholarship?
The KYK scholarship is a non-repayable financial support provided by the General Directorate of Credit and Dormitories (KYK) to students in higher education who need financial assistance.
Scholarships are awarded following application and evaluation and are paid monthly during the normal duration of the recipient’s education. The list of students who qualify for KYK scholarships is announced by the institution.
When Is KYK Debt Paid?
Repayment of KYK education loans begins two years after the end of the standard education period; payments start in the month when the education period finishes. Loan repayments are made monthly, and the minimum monthly payment is equal to the amount of the monthly loan received.
The upper limit for loan repayments is set according to the borrower’s financial capacity. Consequently, there is no single standard start date for KYK loan repayments; each person’s repayment schedule depends on when they received the loan.
Students who continue their education in graduate programs after completing an undergraduate degree can benefit from loan support again and will generally begin repayments one year after their graduate education ends.
Who Is Eligible for KYK Loans and Scholarships?
The following categories of students may be eligible for loan or scholarship support:
- Undergraduate students
- Associate degree students
- Graduate students (master’s and doctoral)
- Students who transition directly from a 2-year program to a 4-year program without interruption
- Students enrolled in evening or second-shift programs
- Open education (distance learning) students
The institution determines which students receive loan and scholarship support. Loans are generally available without extra selection criteria, while scholarships are awarded based on priority criteria and academic merit.
Some important priority criteria include:
- Children of martyrs and veterans
- Students who completed secondary and high school education in state care institutions
- Students with 40% or greater disability
- Orphans (students whose parents are deceased)
- Students who rank in the top 100 of national exams
- Amateur national athletes
- Students from Darüşşafaka
Students cannot receive both a loan and a scholarship at the same time. If scholarship or loan recipients fail academically, the institution may cancel their financial support.
E-Government KYK Debt Inquiry
To check KYK debt via the e-Government portal, you need your Turkish ID number and e-Government password. After logging in, search for “Loan and Contribution Credit Inquiry and Payment” to access the KYK debt screen.
Step 1: First log in to the e-Government system using your T.C. ID number and e-Government password.
Step 2: After logging in, enter the “Loan and Contribution Credit Inquiry and Payment” page to view and query your KYK debt.
How to Defer KYK Debt?
To request a deferral of a KYK loan payment, you must apply first. Applications are submitted through the e-Government portal. During the application, select the option to defer loan repayment from the services shown by the institution.
Next, you must state the reason for the deferral by selecting one of the provided options.
Available reasons include:
- Unemployment
- Military service
- Enrollment in a master’s or doctoral program
Select one of these options and click Next to proceed. You can complete your application on the next screen.
Reasons that prevent deferral include:
- Missed loan payments and accrual of late fees
- The repayment start date being after the military discharge date
- Repayment has not yet begun
- The total debt calculation has not yet been completed
- The student is still receiving loan support
- The person has no recorded loan relationship with KYGM
KYK Debt Inquiry Through the Tax Office
On gib.gov.tr there are two ways to query KYK debt: log in with your Turkish ID number and the GİB (Revenue Administration) password, or use the e-Government login to access the debt inquiry services.
What Is KYK Debt Restructuring?
KYK debt restructuring means scheduling repayment of outstanding debt. KYK debt restructuring can be carried out either online or through provincial and district tax offices.
Using these options, individuals can arrange the terms of repayment, including duration and periodic installment amounts.
How Is KYK Debt Paid?
With the widespread use of digital banking and online services, many payments can be completed electronically. New payment channels have emerged as a result.
You can use internet or mobile banking services to pay KYK loan debt. Payments are also accepted at ATMs, bank branches, and provincial or district tax offices.
Where to Pay KYK Loan Debt?
KYK loan debt falls into two main categories and should be considered separately:
- Debt from extra purchases made with the card during student life
- Repayment of the loan support provided by KYK
Extra card charges accumulated during student life can be paid at Ziraat Bank ATMs using the T.C. ID number. For repayment of loans provided by KYK, individuals can use the following methods:
- Payment via the Revenue Administration website using T.C. ID number
- Payment through the e-Government portal
- Payment via Ziraat Bank internet banking or branches
Which Banks Accept KYK Payments?
Payments for KYK loan debt are handled primarily through Ziraat Bank. Borrowers can pay through Ziraat Bank branches, ATMs, mobile banking, or internet banking using their debit or credit cards linked to deposit accounts.
After a KYK debt restructuring, payments are also processed through Ziraat Bank, the institution’s contracted bank. If a debt has been subject to enforcement measures, payments must be made through tax offices.
How to Pay KYK Debt at the Tax Office?
Individuals who prefer to pay KYK loan repayments at tax offices can visit provincial or district tax offices and make payments using their T.C. ID number. After payment, a receipt confirming the transaction is provided.
Alternatively, payments can be made online via the Revenue Administration’s internet tax office without visiting a branch. After entering the requested personal information and logging in, users can view and query debts.
Once redirected to the payment page, users can complete the transaction by entering their credit or debit card details. A receipt confirming successful payment is displayed and can be downloaded and saved.
How to Use the Tax Office for KYK Debt Inquiry?
To inquire about KYK loan debt through the tax office, visit a provincial or district tax office in person or log in to the Revenue Administration’s internet tax office. After entering credentials, you can perform a KYK debt inquiry. Both online and in-person inquiries are free of charge.