Not everyone can be Study finance through a part-time job or BAföG. Be it because you had to give up your job for a stay abroad or are already too advanced in your studies to receive BAföG. An education loan can help.

Education loan - what it does: Study finance at home and abroad

Jobbing abroad is often difficult

Many courses focus on student stays abroad during their studies. For this, the necessary side job must often be abandoned, while at the same time it is difficult to work abroad. What to do?

Because working abroad often puts you in a position for bigger ones Problems: On the one hand, you have to find a suitable part-time job, which can be difficult in view of the job market and the language barrier.

12 months as an expat finance

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On the other hand, there are often very precise legal regulations in other countries which considerably reduce the number of foreigners working.

Anyone who does not have any savings now to overcome the financial deficit faces a major problem: What options are there to finance the semester abroad?

What does an education loan do?

Whoever deals with the student loan, asks fast states that only a monthly payment is possible there. The situation is different with the offer of the federal government to pay for the living expenses:

The education loan is designed for a maximum of EUR 7.200 and a maximum of EUR 3600 can be applied for as a one-off payment. A maximum of 300 euros can be applied for per month. So could Costs how the flight and a small part of the monthly costs are covered by this form of financing for 12 months.

There is no bureaucracy

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The well-structured Internet offer under makes a call to the inaccessible telephone hotline superfluous: All information including the online application is on the website.

Who would like to speed up the processing, can its required proofs also by eMail to the Federal Office of Administration. Thus, processing times of around 3 weeks until the payment is the rule.

Special offer for advanced training

In contrast to the student loan, the education loan deals primarily with trainees, students and doctoral candidates who have already completed the first part of the Vocational Training have completed.

In the Bachelor, the first year of study must be completed, the Master is immediately eligible for funding. In addition, only full-time studies at government colleges can be supported. So it is therefore the ideal possibility to extend the semester abroad also to 6 months in addition.


The repayment is just as unproblematic as the application process: With around 1 percent interest, you can find out about it for sure not complain.

The repayment period begins 18 months after the end of the course and the minimum rate is 100 Euro. This gives the opportunity for a relaxed career entry for students before the repayment load begins.

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