BAfoG: How student financing works

BAfoG: How student financing works

The abbreviation BAfoG stands for Bundesausbildungsforderungsgesetz (Federal Training Assistance Act). This state social benefit makes it possible for every person, regardless of their social and economic situation, to pursue an education that matches their skills and interests. In this article we focus on BAfoG for students.

Find out in our article how to apply, what the current BAfoG rate is and what you need to consider when repaying it.

How to make a BAfoG application?

BAfoG you can receive not only as a student, but also as a pupil. The funding law is intended to u. a. Ensure that children of families who cannot afford to finance their studies or training on their own can still study or begin training.

The amount of support is decided on a case-by-case basis. It doesn't matter if your parents work, but how much income they earn. But you also have the possibility of a parent-independent funding.

To receive BAfoG, you must submit an application. In the meantime, you can also apply for BAfoG online at apply. Here you will find not only information, but also the appropriate applications and forms, as well as an application wizard.

BAfoG eligibility: these are the requirements you must meet

You are usually only eligible for funding if you completed your studies or schooling before the age of 30. If you start your studies before you reach the age of 35, and in the case of master's degree courses before you reach the age of 35, you can apply for BAoG. Year of life. In some cases there are exceptions to this rule, which are examined on a case-by-case basis.

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BAfoG: What are the exceptions regarding the age limit??

  • Obtain eligibility for admission to the university through the second educational pathway
  • Study without a high school diploma
  • Further higher education according to § 7 Abs. 2 No. 2 or 3 BAfoG
  • Personal or family obstacles
  • Significant change in personal circumstances

Once your BAfoG claim is approved, you will normally receive half of the loan amount as a grant and half as an interest-free loan for a period determined by law.

How much is the BAfoG for students?

Students can apply for BAfoG under certain conditions. If you have already checked your entitlement to BAfoG, the next step is to determine the amount of funding required. Since 2020, the BAfoG maximum rate has been raised to €861. With BAfoG, the applicant does not have to pay interest and must repay a maximum of half after the end of your studies.

Basic needs: How much BAfoG am I entitled to?

BAfoG estimates basic needs at 585 euros a month, of which 325 euros will be for rent and 109 euros for health and long-term care insurance supplements. Estimates that if you're a student, you should have €867 a month in your bank account as a living expense.

Our tip: Use a BAfoG calculator to estimate how much BAfoG will probably be paid out to you each month before you submit your application. It's also possible for you to earn extra money by working a part-time job. Here you should not exceed the monthly allowance of 450 €.

How does the repayment work?

Once your BAfoG claim is approved, you'll usually receive half of the loan amount as a grant and half as an interest-free loan for a period of time determined by law. That means you'll end up paying back only half the amount disbursed to you.

There is also an online portal for the repayment process of BAfoG payments. You'll find information about BAfoG and repayment on the website, and have the option to upload evidence directly. Also contract changes, for example, your home address, you carry out through the portal.

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