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If you need financial support for your school education or studies, you can apply for a temporary low-interest education loan under certain conditions.

Under what circumstances can I get an educational loan?

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  • Forms
  • Detailed description

    The education loan supports you in financing your school education or studies by providing you with financial relief so that you can concentrate on completing your school or university education.

    The loan is limited in time and low-interest.

    Your income and assets or that of your parents or your spouse or partner are basically irrelevant for the approval of the education loan. However, you do not have a legal claim to approval of the education loan. You can claim the loan even if you already receive BAföG or a KfW student loan.

    Funding level and funding period

    The education loan can be granted per training phase as a loan up to a maximum of EUR 7,200. A claim is possible for a maximum of 24 months per training phase.

    For a course of study, the loan can initially only be granted to you until the end of the 12th university semester. After the end of the 12th university semester, you must prove when applying that you are admitted to the final examination and can complete the training within the possible funding period (24 months).

    For a school education, an education loan can only be granted in the last 24 months of training. In addition, you must finish your training with a professional qualification or have previously obtained a vocational qualification. The training must be eligible for BAföG.

    Studying abroad

    Even if you study at a foreign university, you can get an education loan. The foreign educational institution must be recognized as equivalent. The Federal Office of Administration will check for you whether this is the case.
    Your nationality does not play a role in the application for the education loan. It is decisive that the residence permit granted to you does not preclude an application. The Federal Office of Administration will also check this for you.

    Disbursement and repayment

    The KfW Group will pay you the education loan in monthly installments of EUR 100.00, EUR 200.00 or EUR 300.00 each. You cannot change the amount of the rate you have requested during the requested payment period. However, you can receive an advance payment if you claim a corresponding need, for example for cost-intensive work materials. The advance payment can be up to EUR 3,600 if the total of 24 monthly installments and EUR 7,200 are not exceeded.

    The repayment begins 4 years after the due date of the 1st payment. The repayment is made in monthly installments at EUR 120.00.

    You can repay the loan in whole or in part at any time without incurring any additional costs or fees.
    Interest

    Interest accrences for the term. The interest rate is variable and depends on the 6-month EURIBOR (European Interbank Offered Rate). It shall be fixed on 1 April and 1 October for six months each. The nominal interest rate includes an annual administrative cost surcharge of one percent.

    You can apply for an education loan in writing or online at the Federal Office of Administration (BVA).

  • Requirements

    Applications for education loans can be made:

    • adult students and pupils up to the age of 36 whose education is already advanced

    Further requirements:

    • Only training courses at institutions that are eligible for funding under the Federal Training Assistance Act (BAföG) are funded.
    • Own current account in Germany or when studying abroad also there.

    Student:

    • As a student or student, you can get an education loan if you:
      • pursue a bachelor's, master's or a degree with the degree of state examination or diploma full-time,
      • pursue an additional, supplementary or postgraduate course of study and already have the completion of an undergraduate course of study,
      • spend a semester abroad as part of your studies,
      • study at a foreign higher education institution equivalent to a domestic one,
      • or complete an internship at home or abroad (also outside Europe) for an undergraduate course, e.g. for the Bachelor's degree, which have passed the intermediate examination

    Hint:
    If your study regulations do not provide for an intermediate examination, you must have completed the usual achievements of the first two years of study – for students in Bachelor's degree programs, those of the first year of study.

    Pupils:

    • As a student, you can get an education loan if you:
      • carry out full-time training at a training institution eligible under the BAföG,
      • have a vocational qualification or achieve a vocational qualification with the training to be promoted, and
      • are in the penultimate or last year of training.

    Note: as a rule, a (three-year) school education is only supported from the second year of school attendance.

  • Documents

    When applying, you must submit:

    • for pupils:
      • Double-sided copy of the identity card or passport with confirmation of registration (not older than 3 months)
      • Current certificate of the school about the beginning, end and goal of the training
      • if applicable, certificate of the traineeship
    • for students:
      • Double-sided copy of the identity card or passport with confirmation of registration (not older than 3 months)
      • Current certificate of enrolment with proof of the completed university/study semesters and semesters
      • if applicable: Intermediate examination certificate or written declaration from your university that no intermediate examination is provided for in your course of study and that the usual achievements of the first two years of training, in the case of a Bachelor's degree of the first year of study, have been completed, or an "intermediate examination form" completed by the university
      • Proof of additional, supplementary or postgraduate studies and a certificate of completion of an undergraduate course of study
      • Proof of the duration of the internship and of the connection with the visit to the training center (in the case of an internship abroad with German translation of the proof)
      • Proof that the achievements completed in the semester abroad can be credited
      • in the case of funding beyond the 12th semester, proof that you are admitted to the final examination (final examination form)
    • in the case of foreign citizens:
      • Copy of passport
      • Proof of residence permit
      • Current registration certificate
      • and, where appropriate,
      • Form for residence status completed by the competent immigration office
    • in the case of a German spouse or partner:
      • Copy of the marriage/partner certificate
      • for a German parent:
      • Copy of birth certificate

    Note: Depending on the individual case, further documents may be required, which you can find in the online application. Missing documents will be requested by the Federal Office of Administration.

  • Fees

    none

  • Process

    You can apply for an education loan online or in writing at the Federal Office of Administration.

    • Go to the education loan online portal of the Federal Office of Administration and register there.
    • After registration, you will receive a confirmation by e-mail. Follow the steps in the email to complete the registration.
    • After the registration was successful, you can log in with your e-mail address and password. In the portal you will find the corresponding application form.
    • Fill out the online application and submit it. Information is required on:
      • Personal information
      • Training
      • Educational establishment
      • Study or school training for the examination of whether the studies have progressed or whether you have a professional qualification or reach a professional qualification with the training to be promoted - desired amount of the payment rates (maximum EUR 300.00)
      • Bank account
    • After submitting your application, you will receive an online identification number to identify your application.
    • After registration, you can also download the application, fill it out on your computer and print it out or print it out blank and fill it out by hand. If necessary, the application must be signed.
    • Compile the necessary documents for your application and submit them to the Federal Office of Administration within 14 days, stating the online ID by post or scanned by e-mail.
    • If you log in with the electronic identity card, more functions are available to you.
    • The Federal Office of Administration will check your application to see whether the eligibility requirements are met.
    • If documents are missing, the Federal Office of Administration will request them.
    • If you meet the requirements:
    • You will receive an approval notice and a framework loan agreement from KfW Group (loan agreement offer).
    • To accept it, you must forward the signed loan agreement and the confirmation of a legitimation check carried out on your person (identity confirmation) to KfW Group.
    • KfW will take over the conclusion of the loan agreement, the payment of the installments and the subsequent reclaim. The payment is made to your current account in Germany, in the case of studying abroad usually to your foreign current account. Your foreign current account must be located in the country where you are studying.
    • If you do not or do not yet meet the requirements:
    • You will receive a rejection notice. If necessary, you can object to this or submit a new application later.
  • Duration

    Processing time can be several weeks.

  • Deadline
    • Submission of the required documents: within 14 days of application, stating the online ID
  • Responsible authority

    Federal Office of Administration (BVA)
    Educational loan award
    BF I 4
    50728 Cologne

    E-mail: bildungskredit@bva.bund.de

    fax: 02289910358-4850

    Phone: 022899358-4492

    EN-Mail: poststelle@bva-bund.de-mail.de
    Please note that you can only send a message to the DE-Mail account if you also have a DE-Mail account yourself.

    Service hours:

    Monday-Thursday: 10:30 a.m. to 12:00 p.m. and 1:30 p.m. to 2:30 p.m.
    Friday: 10:30 a.m. to 12:00 p.m.

  • Point of contact

    Federal Office of Administration (BVA)
    Educational loan award
    BF I 4
    50728 Cologne

    E-mail: bildungskredit@bva.bund.de

    fax: 02289910358-4850

    Phone: 022899358-4492

    EN-Mail: poststelle@bva-bund.de-mail.de
    Please note that you can only send a message to the DE-Mail account if you also have a DE-Mail account yourself.

    Service hours:

    Monday-Thursday: 10:30 a.m. to 12:00 p.m. and 1:30 p.m. to 2:30 p.m.
    Friday: 10:30 a.m. to 12:00 p.m.

  • Legal basis
  • More informationen
  • Approved

    Federal Ministry of Education and Research (BMBF)

  • Approved date
    15.07.2021