BAföG: Study financing through interest-based loans

You have exceeded your funding period or your studies are interrupted and now you need a funding, eg because you are in the exam phase? Again, there is help!

Finished BAföG

The Solution at this Problem means BAföG with full interest. Although this loan is approved by the KfW banking group, which is owned by the federal and state governments, applications are still submitted via the BAföG office.

Attention: This BAföG form does not include the usual options for debt relief - the interest rate on the repayment even increases with each deferral. Therefore, you should check carefully whether it is not Alternatives to an interest debt.

Degree promotion

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If you have not completed your studies within the maximum funding period but still need to apply for BAföG, you can apply for interest-free graduation assistance.

Extended studies after changing the subject

If, after a change of subject, you have exceeded the maximum funding period studieren and can prove important reasons for this, you have the opportunity to receive a BAföG loan with full interest. There are important reasons, for example, if you notice a lack of aptitude or inclination or only saw your first subject as a park study, but not if the study circumstances or career prospects have suddenly changed!

Postgraduate course

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If you already have a first vocational training Vocational Training and have used up your entitlement to basic funding (e.g. in a first course of study lasting more than three years) you may be able to receive BAföG as a loan with full interest for further training, i.e. a postgraduate course. Incidentally, it doesn't matter whether you received BAföG in your first degree or not, you will only receive full interest on BAföG for the second course. This rule does not apply if you have not yet used up your entitlement to basic funding!

Whether you get this form of BAföG depends on the following factors:

• The previous training has only enabled you to start this training. However, the build-up course must continue in the same direction!
• Your further education will deepen your university studies with the same content orientation in a maximum of four semesters. Attention: Your first exam may be one year old!
• You need the advanced training to pursue (in legal terms) your desired profession

Attention: These regulations do not apply to a second degree course after already completed training.

Resumption of study after study break / interruption

If you have interrupted your studies or left off at first, you may receive a full BAföG once if you wish to resume your studies.

The conditions for this are:

• There must be special circumstances in your case
• Your desired training objective makes this necessary
• They had important reasons for your interruption and can also prove it. Important founders include, among others, a lack of aptitude or a lack of aptitude.

How to apply for the promotion

If you wish to apply for an interest rate subsidy, this is the same as for a promotion within the promotion period:

You submit the application on the forms provided for this purpose, which you can find in the Internet or you can get it from all offices for educational support, from your responsible office. You can limit the amount of the bank loan yourself when you apply – however, this limit then applies irrevocably for the entire approval period.

For your BAföG application, the same conditions and regulations apply as for the normal BAföG.

How the promotion expires

Here, too, you will receive a BAföG notification. In addition, you receive a contract offer from KfW Bankengruppe, which belongs to the Federal Government and the Länder. If you do not sign this offer within one month after sending the license, you will forfeit your claim to a corresponding subsidy.

The signing takes place at the Office for Educational Support at Vorlage an identity document (identity card, passport). The bank loan is paid directly by KfW Bankengruppe. Payments are only possible to domestic bank accounts.

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