CSN approves and sends out Swedish financial aid for studies, which includes both grants and loans to students in Sweden and abroad. CSN also handle repayment of the loans. Home equipment loans, which give non-citizens (mostly refugees) the chance to get off to a good start in Sweden, are also among CSN's responsibilities. Thanks to the opportunity to obtain financial aid, everyone in Sweden can study. It would accordingly make no difference which social, economic or geographic background a person has or if he or she has an impairment. CSN awards a total of approximately 23 billion Swedish kronor a year to almost 900,000 students. Good relations with students and other borrowers are a must for CSN. So we want to make it easy for people to get in touch with us whenever they need help. Everyone is entitled to a prompt, comprehensible reply. CSN's electronic services make it possible to apply for student aid, find out when the money arrives and calculate how much has to be repaid. Students and other borrowers have made it clear that they are satisfied with the assistance we provide. But there's always room for improvement. We want to offer more value every year. And that is part of the challenge we face going forward.