Students may also finance the cost of their education with student loans, which typically carry low interest rates and can be paid back following graduation. However, French banks require a guarantor living in France. We suggest that you contact your local bank in your home country. They often have close links to certain banks in France. At the beginning of each semester for three weeks, various banks come to take part in the Bank Forum organized by HEC Paris to allow you to learn about bank loans, open a French bank account, and compare the exclusive financial benefits offered to HEC students. Over the course of the academic year, BNP Paribas, la Société Générale and LCL have a permanent stand in the RU twice a week; this means you will always be able to get support and information from people who are used to helping international students. You can open a bank account and pick up your card in the same place. Please note that it is compulsory to open a French bank account to get a residence permit and for receiving housing aid.