Your promotion for studies and further education

We promote your living expenses during your studies (regardless of your subject) with a loan if you are studying full-time, part-time, dual or part-time. Distance learning programmes are also possible. We finance semesters abroad if you are still enrolled in Germany. Your university must be based in Germany and be state or state-recognised.

We finance these degree programmes:

• Undergraduate first degree programme
• Second degree programme (further undergraduate degree programme)
• Additional, supplementary or postgraduate programme (postgraduate studies)
• Master's degree (postgraduate programme)
• Doctorate
• Distance learning programme
• Part-time study programme

We promote all students, regardless of their income and that of their parents, who

• are between 18 and 44 years old,
• are studying at a state or state-recognised higher education institution based in Germany

and belong to one of the following groups:

• German nationals residing in Germany
• EU nationals who have been permanently resident in Germany for at least 3 years and are registered here
• Family members (regardless of citizenship) of a German or EU national who reside with them in Germany and are registered here
• Foreign students with a German registration address

We support you with a loan:

• for up to 14 semesters for a first or second degree programme
• for up to 6 semesters for postgraduate studies or a doctorate

Depending on your requirements, we will pay you between EUR 100 and 650 per month (disbursement phase).

At the end of the disbursement phase, the loan enters a repayment-free period during which you only pay interest (interest phase).

At the end of the interest phase, repayment of the KfW Student Loan begins (repayment phase).

The interest rate is variable and is always reset on 1 April and 1 October for six months at a time.

You can submit your application online to one of our financing partners. They will forward your application to KfW.

Information Sheet KfW Student Loan(PDF, 163 KB, non-accessible)

KfW Student Loan (only available in German)

We promote part of your living expenses during

• the final phase of your education
• additional, supplementary or postgraduate studies or
• an internship

We finance these training programmes, for example

• Educator
• Foreign language correspondent
• Beautician
• Physiotherapist
• Paramedic

We promote all pupils and students, regardless of their income and that of their parents, if they

• are 18 to 35 years old
• are a full-time trainee or student
• attend a college, university of applied sciences, university or BAföG-recognised school. A foreign educational institution must be equivalent to recognised domestic educational institutions.
• have your permanent residence in Germany and fulfil the conditions of § 8 BAföG or
• have your permanent residence abroad as a German and fulfil the conditions according to § 6 BAföG

We support you with a loan.

We will pay you monthly instalments of up to EUR 300 for a maximum of 2 years (maximum loan amount EUR 7,200).

Advantages:

• It is granted in addition to BAföG (federal training grant).
• It is granted regardless of your personal income and your parents' assets
• One-off payment of up to EUR 3,600 for special expenses possible
• No collateral is required.

You apply for your loan online at the Federal Office of Administration. Here you will also receive a list of the required documents.

Identification in accordance with the German Money Laundering Act(PDF, 499 KB, non-accessible)

Educational Loan (only available in German)

We promote you in your full-time or part-time continuing vocational training. You are entitled to funding for each of the further training levels laid down in the Vocational Training Act (BBiG) and the Crafts Code (HWO) as well as for further training levels that are equivalent.

We finance these expenses:

• Course and examination fees
• Costs for the masterpiece
• Financing your living expenses during the examination and preparation phase

We will support you with a loan, regardless of age and income, if you:

• already have a qualification in a recognised training occupation
• are aiming for a qualification regulated by public law as a craftsman, technician, educator or other skilled worker as part of a further training programme. This qualification must be above the level of a skilled worker's, journeyman's or assistant's examination or a vocational college qualification.
• you can also complete a further training programme if you are a high school graduate or have dropped out of university without an initial training qualification but with the professional experience required by the further training regulations. The prerequisite is that this is provided for in the relevant examination regulations.
• already have a Bachelor's degree or a comparable university degree. However, this must be your highest university degree.
• further training that does not lead to a master craftsman's qualification, but to a higher qualification than the previous one in the occupational group (e.g. from journeyman to service technician).

We support you with a loan and a grant.

• You can receive up to EUR 15,000 in funding for your course and examination fees, 50% as a grant and 50% as a loan.
• You will receive up to EUR 2,000 in funding for your masterpiece or comparable work, 50% as a grant and 50% as a loan.
• As a participant in full-time programmes, you are entitled to a monthly contribution to living expenses for a maximum of 3 months after the end of the programme until the examination, which is granted exclusively as a loan.

You do not pay any interest during the disbursement and waiting phase. This is covered by the federal and state governments.

You submit your application online or in writing to the relevant funding office. Your place of residence is decisive.

If the training programme is divided into several sections, apply for funding for each section separately, at the latest by the end of the programme or section of the programme.

Upgrading BAföG (only available in German)