BAföG (German student grant)

Familieab 13 J.

Germany's federal training assistance: financial support for students and pupils. 50% grant + 50% interest-free loan (max. €10,010 to repay).

BAföG (Bundesausbildungsförderungsgesetz, Federal Training Assistance Act) is state funding for studies in Germany – half as a grant (free!) and half as an interest-free loan.

Maximum rates 2025:

• Students (own flat): up to €992/month
• Pupils (own flat): up to €903/month
• Plus health insurance supplement: €122/month

Who is entitled?

• German citizens or foreigners with permanent residence
• First training/first degree (second degree only in exceptional cases)
• Age limit: start of studies before the age of 45
• Parents' income is below the allowances

Repayment (only the loan half):

• Start: 5 years after the end of the maximum funding period
• Instalment: €130/month (instalment payment) or a lump sum with a discount
• Repay a maximum of €10,010 – no matter how much you received
• Interest-free!

BAföG for studying abroad:

• HIGHER income limits than normal BAföG!
• Grant towards tuition fees: up to €5,600 (no loan!)
• Even if you don't get BAföG in Germany, you may be eligible abroad

Did you know? If you receive BAföG and finish your degree within the standard period of study, you can get an additional reduction on what you have to repay.

→ Lernmodul: Finanzen nach der Schule

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