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KfW Student Loan

The KfW Student Loan is a low-interest loan (until 31 December 2021 0.00% if your loan is in the disburse­ment phase), which is used to cover your living expenses. The interest rate is fixed until 30 September 2022, after which it is adjusted every six months on 01 April and 01 October of each year.

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 account is managed online.

Find detailed information here:

Information Sheet KfW Student Loan (PDF, 304 KB, accessible)

German website