Overview student financing

Financing your studies can be a challenging task. These different options can be considered for this: Maintenance from parents or family, BAföG, part-time job, (German) scholarship or a loan. Before taking out a loan, however, comprehensive advice should be given, e.g. by the Studenten-/Studierendenwerk at the university location.

BAföG is the best form of student financing. BAföG stands for Bundesausbildungsförderungsgesetz (Federal Training Assistance Act) and consists of a 50 percent grant and a 50 percent interest-free loan. Only the loan must be repaid after graduation. The responsible BAföG office at the university location will provide detailed advice on this.


BAföG aims to give young people - regardless of their social background - the opportunity to complete a course of study. Students have a legal right to receive BAföG if they meet all the requirements set out in the Federal Training Assistance Act.

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What does it cost to study?

How much money do you need each month for living and studying? How much money do you have to budget if you no longer want to live with your parents or move to another city to study?

If you know exactly what costs will be incurred in advance of your studies, you can set the course for speedy study in good time.

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Financing options

Studying is an enriching phase of life that is often associated with financial challenges. It usually has to be financed from various sources: Maintenance from parents/family, BAföG, part-time job, scholarship or even a loan for a short period of time. Those who research thoroughly will find the best solution to avoid long-term debt.

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Jobbing next to your studies

A part-time job is often a necessary supplement to studies, but can also promote the personal and professional development of students. In any case, the job alongside studies touches on the issues of taxes and social security obligations.

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