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The education loan is a temporary, low-interest loan for students in advanced stages of their education. You can also take advantage of it in addition to funding under the BAföG.
Amount:
Type
Your income and assets as well as that of your Parents, Your Spouse or Your Spouse or civil partner does not play a role in the approval process does not play a role in the approval process. You do not have to provide proof of collateral.
Attention: There is no legal entitlement to the education loan. Unlike BAföG, it is a programme with a predefined budget.
You can also apply for an education loan for a second or subsequent education.
You can only claim the education loan until the end of the twelfth semester of study. You can still receive the education loan after that if you complete your education within a maximum of 24 months after approval
You can cancel the loan at any time, free of charge, at the end of the month.
Interest accrues on the loan from the day of disbursement. This interest will be deferred until repayment begins
Repayment begins four years after the first disbursement. You have to repay 120 euros per month. The Kreditanstalt collects the repayment instalments quarterly at the end of each quarter. Extraordinary repayments are possible at any time and in any amount. If you receive renewed funding for another training period, the repayment instalments will be deferred.
Attention: If you study abroad, the foreign training institution must be equivalent to a domestic one.
You must apply for the education loan in writing.
Request the form from the competent office or fill it out directly on the websites. In this case, you must submit the required documents by post.
After the application has been reviewed, you will receive a written decision.
If the application is approved, you will also receive a contract offer from Kreditanstalt für Wiederaufbau (KfW).
With your signature you accept the conditions. You must have the signature confirmed by an office (e.g. the Studierendenwerk). If the signed contract arrives at KfW within the stipulated period, the loan contract has been concluded.
Note: The deadline by which the signed contract must be received can be found in the notification of approval.
In the further course (e.g. conclusion of the contract, payment in instalments, recovery), the credit institution is responsible for you.
Please enquire at the Federal Office of Administration about possible deadlines.
for pupils additionally:
None
Depending on the individual case, the processing time can take several weeks.
You will receive the money after you have sent the loan agreement signed and legitimised by you to KfW in Bonn.
For further questions, you can contact the education loan hotline at 0228/99358 - 4492.
The German original version of this text was drafted in close cooperation with the relevant departments. The Wissenschaftsministerium released the full description on 22.04.2024.
Only the German text is legally binding. The Federal State does not assume any liability for the translated texts. In cases of doubt or if you have any questions or problems, please contact the relevant authorities directly.
