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*Lending criteria and terms and conditions apply to the student travel loan. Applicants must be aged 18 or over and a parental guarantee may be required. Applicants must be students attending a full-time 3rd level course.Proof will be required. The travel loan must be fully repaid within 9 months to avoid interest charges. If the customer is unable to repay the loan within the 9 month period they must notify their branch and the loan can be restructured into a normal student loan. The standard student variable interest rate (currently 10.8% APR variable, correct as at 2nd November 2009 and subject to change) will apply on any outstanding balances. The repayments on a typical student loan of €1,000 over 12 months are €88.06 per month based on a variable rate of 10.8% APR and not including payment protection. The total cost of credit is €56.72. Bank of Ireland is regulated by the Financial Regulator.