Further education financing: That costs further education and training

Lynchpin of your Further Training are of course Costs and the Financing. Because it doesn't do you any good that there are theoretically meaningful further training courses that you can hardly pay for in practice.

Overview: Costs of a continuing education Further training

But how expensive is further training anyway and what options do you have to finance it? Unfortunately, statistical surveys and comparison tables are also missing here, and employees who are willing to continue their education as well as the self-employed are pretty much left to their own devices qualification. The costs of further training can vary greatly and are difficult to compare, also due to the different content, objectives and duration.

The Federal Institute for Vocational Education and Training has determined a few average values ​​for the costs of further training in a study in which 2000 people were interviewed. According to this, the costs, which are directly related to further training (as participation fees, teaching material, etc.) per year and person are on average 568 Euro.

Do the further education participants have to bear their own costs?

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In many cases, participants often do not fully cover the costs themselves, but are reimbursed in part - for example, by the employment agency or by the employer. On average, this refinancing accounts for approximately 36%. Ultimately, the participants bear the costs of 375 Euro itself.

The main part is accounted for by the participation fees and travel expenses. In addition, there are indirect costs, such as a loss of earnings of 137 euros per participant, with a small amount (about 7% on average) being reimbursed, e.g. B. through subsistence allowances. But these indirect costs cannot only be calculated in euros: you must also take into account the time required, the time you may spend in the Job need to be reworked.

On average, 138 hours are invested in further training every year. 74 hours of this are not part of the working time, but are free time. Another 59 hours must be paid for overtime (due to further training), Information, preparation and follow-up as well as driving times are spent.

Differences in costs: Depending on the target group, they are different

There are also significant differences between the individual groups of participants as far as the costs of further training are concerned: people who take part in non-company further training spend significantly more at 856 euros per year Money as a participant in company training – namely 285 euros. This is because employers often cover the costs, while only 14% of non-company training participants receive reimbursement.

Employees have far more opportunities for free training than the unemployed or the self-employed. Socio-demographic characteristics also play a role: Young participants up to the age of 24 more often receive further training free of charge, participants between 25 and 34 and between 55 and 64 spend the highest costs for further training on average. Training also plays a role: the higher the level of training, the higher the costs of further training on average, because those who already have a higher level of basic training are more willing to undertake further training that requires higher qualifications and is correspondingly expensive invest.

Great differences in the way of continuing education

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Depending on the type of training, the costs for this are very different and also very differently distributed among the individual groups of participants: About 45% of the surveyed participants do not have to bear any costs themselves. 14% will cost around 99 Euro, 28% will cost between 100 and 999 Euro.

13% of participants have to shell out more than 1.000 Euro and 2% even cost more than 5.000 Euro. The highest costs are caused by classic forms of course: In addition to participation fees, travel and possibly accommodation costs are incurred. In addition, the loss of earnings must be taken into account.

Although participation fees often seem higher, eLearning and self-organized learning in general are somewhat cheaper in the end: the learning and work tools (books, PC, telephone and Internet access, etc.) are the most important ones. On the other hand, these forms of learning require the least amount of time; the travel costs are eliminated and the loss of earnings is lower.

Planning the training: This should be considered in your training!

When planning a training, think about what it costs and how these costs affect you both financially and in terms of time. Be sure to inquire about the total cost of each course. Take into account all direct and indirect costs and get the widest possible overview of the various offers.

Therefore: always look carefully! How many lessons does the course have? How are these distributed, is this suitable for you? Here, too, the above-mentioned time factor is important! Note that the lesson is not the same as a lesson: Basically 45 is one minute per lesson, but for some providers it can be more or less. You definitely have to take that into consideration when comparing.

Know your own strengths and weaknesses

“First I have the financing, then I take care of it Organization my further education", say many who want to continue our education. Wrong I say. In order to get support for the financing, it is necessary to first of all come to the training organization. It is, so to speak, the key to successful financing.

A very important point: your own strengths and weaknesses recognize. Take the time to identify your strengths and weaknesses. You shouldn't dismiss possible weaknesses in a polite manner, but you shouldn't throw in the towel right away when you discover deficits. The BackgroundWhat you can do and what you still need to improve on is an important prerequisite for optimal, targeted further training. And with targeted further training measures, some weaknesses can even be turned into strengths.

Qualitative differences depending on the type of training

There are also qualitative differences in other points, as the following examples show:

Offer a craft chamber

Example: In a crafting chamber, you would pay 33 Euro for a course in Spreadsheet I: MS Excel (330 lessons in three days). A private education provider requires 2007 for a basic Excel 207,64 course (duration: l day with seven lessons). However, only a maximum of eight participants are admitted per course, which promises a better learning atmosphere. An English language course with the same provider costs between 420 Euro (for simple languageCourses) and 500 Euro (for professional languageCourses and conversation) - all courses with a total of 60 lessons.

Prices at the community college

For comparison, the prices at an adult education center: 26 hours of instruction, regardless of the level, cost a total of 72,80 euros here; if more than 10 people take part in the course, the price drops to 52 euros. Bigger classes are of course bad for that Things to Learn and community collegeCourses generally don't have the best reputation. But maybe you only pay for the image of the private provider?

Complete a full training

Incidentally, it is significantly more expensive if you want to catch up on a whole education: a training as a European secretary with a total of about 4.800 lessons (30 months full-time) costs at one institute 12.000 Euro, at another provider 10.400 Euro - however, only about half at lessons.

An extra-occupational intensive training course for Fachkaufmann Personalfachwesen (duration: 4 months, approx. 12 hours / week) suggests a provider with 3.000 Euro, in the competition you would pay for a six-month course (total 460 lessons) but only 2.875 Euro. If you then want to add the business economist to the specialist trader, you can, for example, For example, for a class with 700 lessons, expect 3.579 Euro.

Training: What costs you still have to consider

In someCourses the examination with the fees is already included, but with other providers you have to pay them extra. In the case of the examples presented here, the examination fee is between 260 Euro and 450 Euro, depending on the type of financial statements.

Consider the cost and time involved when doing continuing education to plan and look for cheaper ones if necessary Alternatives. Inexpensive does not necessarily mean cheaper: there are sometimes big differences in the individual training courses in terms of the length, content and duration of the training. You can certainly only determine what is better in individual cases and not in general. Also take a close look at the payment terms in the contract:

Further education financing and installment payments

Some providers offer the option of paying in installments; usually at least a part of the sum has to be paid in advance. If the total amount has to be paid before the start of the measure, it can be paid afterwards Problems give with the refund. Therefore, you should be careful with such contract terms.

Whether you get at least part of your money back if you don't like it depends entirely on the individual terms of the contract. So read the fine print of your contract carefully. For longer term Measures you should agree on a quarterly or monthly payment method - this can save you a lot of financial trouble if you decide to cancel early. Tip: But training costs are also tax-deductible. Above all, the costs of further vocational training are usually tax deductible if you do not receive any subsidies.

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