Education is expensive: working materials and books as well as housing, food and living expenses must be paid for. Side jobs alone will not get you very far anymore. Our loans give you more financial flexibility.
We support you, regardless of your and your parents’ income, if you are 18 – 44 years old and fall under one of the following categories:
We finance your living expenses while you are studying. It makes no difference whether you are studying full-time, part-time or while working. Programs at distance learning universities are also possible. We support semesters abroad if you are still enrolled at a German university.
Your university must be located in Germany and be a state or state-accredited university.
We support these courses of study:
A doctorate can also be financed with the KfW Student Loan.
You can receive monthly disbursements of up to EUR 650 (disbursement phase). Once the disbursements stop, the loan enters a grace period in which you only pay interest (interest-only phase).
Once this phase ends, repayment of the KfW Student Loan (repayment phase) begins.
The interest rate is adjusted every six months on 01 April and 01 October of each year.
For school, college and university students in advanced stages of their education.
To pay for extraordinary costs such as a study semester abroad after the interim exams, for internships, special working materials or an excursion.
A promotional loan in monthly instalments of up to EUR 300 for a maximum of 2 years (maximum loan amount EUR 7,200) that offers the following advantages:
Application: with the Federal Administration Office (Bundesverwaltungsamt - BVA)
For tradespeople, technicians and other skilled workers undergoing further education to become master tradespeople, master industrial technicians, specialised business administrators or business economists or to earn a comparable qualification.
No age limit applies.
For your living expenses when you are undergoing full-time professional development, for course fees and examination fees.
Application: with the Amt für Ausbildungsförderung (Education Assistance Office)