BAföG: WERK

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Frequently asked questions
FAQ

There are almost as many questions about the BAföG as there are stars in the sky. Each of you has a different life situation with an infinite number of possible combinations. One person may be interested in how these situations affect BAföG: What if I inherited/my father retires/my sister is doing a gap year?; another person doesn't care at all. We want to help everyone and not bore anyone!

Therefore we have answered the most common questions for you here. All other questions can be easily and quickly answered. Just ask your life search engine: The experts from the BAföG office! We look forward to meeting you personally, to accompanying you financially through your studies and to finding solutions for every situation.

When do I have to repay BAföG?

Five years after the end of the standard period of study. You will receive a letter from the Federal Office of Administration with the amount of your loan (limited to €10,010). Then you can choose whether you want to pay the total amount directly (at a discount!) or in instalments (e.g. €130 per month).

How much BAföG do I have to pay back?

You must repay a maximum of half of the money you received. The other half is a "grant", i.e. a gift. Why maximum? There is a repayment limit of €10,010. So if you have received more than €20,000 in BAföG, you will never pay back more than €10,010! An example: If you receive the maximum amount of BAföG (from October 2019 approx. €853/month) while completing a BA and MA, you will receive a total of approx. €51,000 in BAföG, but only repay €10.010! Medical students and students with children can receive even more. No joke: You can get over €50,000 from the state for your studies! You’re responsible for only: €10.010!

Student Financing Department closed until further notice

Service

BAföG: General information, document check, case-related advice, deferral advice
Special Advice: DAKA Loans, KFW Student Loans and educational loans
Information on grants and emergency loans

Consultation – Telefone appointments
Send a mail with your telefone number and the university you are studying at to bafoeg@kstw.de. Your consultant will then call you and arrange a telefone appointment with you.