BAföG Loan Terms 2021

Types of bavogue and the amount of funding

With BAföG, personal circumstances and the chosen form of training play an important role. Both have an impact on whether funding is available as a full grant, as a combination of grants and loans or just as a loan and how high the support is.

Bavogue loan terms
Bavogue loan terms

Bavogue loan terms

  1. Entering German territory before 1/2/2013.
  2. To have a student residence permit with him

BAföG as a grant or loan?

BAföG as a grant or loan?

BAföG offers different types of funding: schoolchildren have different requirements than students. Personal circumstances also play a role. This shows who is entitled to the type of funding.

Schoolchildren receive support as a full grant. This means: As with a scholarship, you don't have to pay the money.

For students in higher technical schools, academies and universities, half of the BAföG is basically a scholarship that does not have to be reimbursed – even if the student fails to succeed. The other half is repaid as an interest-free loan.

There are also supplements that are paid in full to all BAföG recipients as an unpayable grant. These are:

  • Study abroad fee of up to €4,600 for one year
  • Educational grant due to disability, pregnancy or care and raising of a child up to the age of 14 years after the maximum funding period
  • Child care allowance for interns living in a home with at least one child who has not yet reached the age of 14

Students who were unable to complete their studies by the end of the maximum funding period and applied for assistance in completing their studies receive this as a full loan. So the assistance for graduation must be paid in full.

Preparatory Year in Germany

The amounts that schoolchildren and students usually need in their living

Lawmakers have determined how much schoolchildren and students typically need in their livelihoods. These amounts are called requirement rates. Individual requirements are not taken into account.

For BAföG, the costs already borne by the applicant are not conclusive. For many reasons, it is not possible to determine this individually for all BAföG applicants. Instead, there are fixed amounts that cover the average need for money for living costs such as food and clothing, but also for training costs such as textbooks and travel expenses (average requirements).

The legal basis for the amount of requirement rates is § 12 and 13 BAföG.

Training CenterLiving with parentsIncluding. Additional cost for both KV and PV*He doesn't live with parents.Maximum price including additional KV and PV*
1 – Schools of general secondary education and vocational schools of the tenth grade as well as technical and technical colleges, if attendance does not require full vocational trainingNo fundingNo funding585 EUR694 EUR
2. Vocational college classes and technical schools that provide a vocational qualification in a course of at least two years if attendance does not require full vocational training247 EUR356 EUR585 EUR694 EUR
3 – Evening secondary schools, evening secondary schools, advanced vocational schools, technical secondary schools, the attendance of which requires complete vocational training448 EUR557 EUR681 EUR790 EUR
4. Technical school classes whose attendance requires completed vocational training, evening grammar schools, and colleges454 EUR563 EUR723 EUR832 EUR
5. Higher Technical Schools, Academies and UniversitiesEUR 483592 EUR752 EUR861 EUR

* The additional cost of both KV and PV represents an additional cost for health and long-term care insurance, this totals 109 euros.

How is the amount of BAföG calculated?

How is the amount of BAföG calculated?

The basic rule is: determine the appropriate requirement rate and deduct any reliable income and assets. The result is the amount of funding according to BAföG.

In the table of requirements rates, pupils and students will find the requirement rate applied to them depending on the training facility and the living situation.

Various elements are now deducted from this:

  • Your income and believable assets
  • Compensatory income for registered spouses or partners
  • Parents' income

Why are income and assets taken into account?

The legislature assumes that school children, students and those who are forced to support themselves under the Civil Code pay for their living and education. BAföG only helps if your income and belongings as well as financial support for the family are insufficient to fund education.

Requirement according to BAföG 
fewerIncome and reliable assets of students
fewerEligible income of the spouse or registered partner and parents
=Financing amount according to BAföG

What allowances are granted?

No full clearing of income is required against the BAföG requirement rate. There are bonuses that are deducted from income. It was increased with the 2019 fix so that more people are now eligible for BAföG.

First, the income in question must be determined. The relevant allowances will be deducted from this. The remaining amount is the approved income.

The basis is § 23 and § 25 BAföG.

Parents' Invoice

The income of the applicant's parents remains credit-free each month for

Parents, married or in a registered civil partnership and living together1890 EUR
Father, single1260 EUR
Stepfather . Stepmother630 EUR
Children and other dependents who are not in a qualified education, each of them570 EUR

The above exemptions for stepfathers, children and other dependents are reduced by the personal income of each of these persons. After deducting these basic allowances, another 50 percent of the parents' income and another five percent for each child to whom the allowance is granted remains exempt.

The remaining amount after deducting all allowances is the amount of credit that parents can use to fund their children's education according to BAföG.

The rule of brotherhood

If interns have siblings in a training that can be funded according to BAföG or § 56 SGB III, the amount of credit will be divided equally between the trainees and siblings; this is regulated by Article 11 paragraph 4 BAföG. So it remains z. For example, if a credit amount of €1,200 is allocated to a total of three interns, €400 will be added in each case.

Important: Intern siblings do not burden parents financially because, for example, if students at universities of the German Armed Forces or administrative colleges receive a stipend that covers their needs, they do not participate in the allocation.

Schoolchildren and students whose parents refuse to support can receive BAföG as an upfront payment. You must apply for this (Section 36(1) BAföG). In this case, the alimony claim under the Civil Code of the interns is transferred against their parents in the amount of BAföG paid to the respective federal state, which recovers the amount from the parents.

How to open a closed bank account in Germany

Invoice of the husband or wife of the registered life partner

The income of the registered spouse or partner remains credit-free every month

Registered spouses/partners themselves1260 EUR
Children and other dependents of the spouse or registered partner who are not in a qualifying education, each of them570 EUR

Trainee Invoice

Exemptions from the special income of trainees depend on the type of training and the status of the family; this is regulated in § 23 BAföG.

For the trainees themselves, 290 euros per month with no initial balance. In addition, 630 euros remain free for registered couples or partners and 570 euros each for their children. Allowances are granted to spouses or registered partners and children only if they are not in training that can be funded in accordance with BAföG or Section 56 SGB III.

In addition, exemptions are reduced by the personal income of these people. From the orphan's pension and from the orphan allowance, 200 euros per month remain free for pupils from vocational schools and technical school classes whose attendance does not require completed vocational training, for other trainees 145 euros.

If the income of the intern comes from mandatory training or vocational training, then he will be fully compensated for the requirements – that is, without tax exemption. In principle, this also applies to training grants and similar benefits, subsidies from foreign countries, alimony payments from separated or permanently divorced spouses or registered partners.

What about money from summer jobs?

Many school students and students top up their accounts with vacation or part-time jobs. But how high is this income without a reduction of BAföG? In principle, gross income in the approval period, that is, in the period approved by BAföG, is crucial.

From this gross income, the annual expense allowance related to the income of 1000 euros and then the social allowance of 21.3 percent is deducted proportionally. The remaining amount is divided by the number of months in the scholarship period. Finally, an allowance of 290 euros per month is deducted.

Due to this method of calculation, the gross income of 5421.84 euros in twelve months or 451.82 euros per month remains deductible. This means that trainees can pursue a small work of €450 without having to deduct monthly amounts from BAföG funding.

Microwork does not affect family insurance

In case of high income, only the part of income that exceeds the tax exemption is taken into account. Income from marginal work has no impact on joint insurance devoid of contribution to statutory health insurance, or so-called family insurance, up to the mini-job limit of 450 euros.

In the case of non-marginal work, the total income of trainees may not exceed €450 per month in relation to family insurance; the legal basis for this is 10 (1) No. 5 SGB V, Section 18 SGB IV, Appendix 1 SGB VI.

Scholarship Accreditation

Training grants are not paid in accordance with BAföG if services are obtained from the Gifted Support Organization; see paragraph 2 paragraph 6 No. 2 No. 2 BAföG.

Other scholarships related to talent and performance that are not subject to income tax (such as the Germany scholarship) are excluded from the accreditation up to the total amount that corresponds to a monthly average of €300, paragraph 21 paragraph 3 no.

2 BAföG. In addition, they are counted as income and must be taken into account if their own purpose does not prevent them from being taken into account as required. Then, the credit always takes into account income allocations.

Only if the interns are the scholarship holders themselves and the scholarship comes in whole or in part from public funds, income tax allocations will not be granted for the amount exceeding €300. The special regulation applies to taxable grants or grants.

Are assets taken into account?

Before paying BAföG, schoolchildren or students must use their own assets in their education. However, there are tax exemptions so as not to touch some of them.

The assets of €8,200 are not taken into account in the financing of BAföG, and the rest must be used in full to finance the training. For married or registered interns as well as interns with children, the amount exempt from credit increases by 2300 euros for each of the mentioned persons.

The amount produced when the amount of the asset exceeds the exemption limit of the asset is compensated for the number of calendar months of the approval period with the monthly requirements.

The assets of the potential spouse, registered partner or parents of the intern are not counted from the needs, but the income that these people earn from their assets.

The basis of the asset entry is §§ 26-30 Bavogue.

When is parental income not taken into account?

As a rule, parents are obliged to fund the education of their children. The BAföG Act allows exceptions. Here you will find all the exceptional cases in which the parents' income is not compensated for BAföG financing.

The rule is that the income of the parents is taken into account for BAföG. The basis for this is paragraph 11, paragraph 2 a and paragraph 3 BAföG. Only in exceptional cases the income of the parents is not taken into account. The income and assets of the interns as well as the income of their potential spouses or registered partners are then taken into account only.

independent funding is provided to parents, that is, funding that does not take into account the income of the parents,

  • If the parents' whereabouts are unknown or if they live abroad and have been legally or effectively prevented from paying alimony in Germany
  • If the scholarship is offered to attend an evening grammar school or college
  • If the trainees have already reached the age of thirty at the beginning of the internship phase (and have been exceptionally funded despite this fact)
  • If the trainees have already worked for five years at the beginning of the training phase after reaching the age of 18
  • If the trainees have completed at least three years of vocational training before the start of the training phase and then worked for at least three years. Shorter training can be compensated for by longer work in exchange for it, if at least six years have been achieved; the opposite does not apply: even if you have been training for more than three years, you must then prove that you have worked for at least three years.

In the last two cases, interns must be able to support themselves with their earnings during their years of work. The period of work that secures a living includes, for example, b. Also times of military or community service.

Individual questions about funding

Individual questions about funding

If it is clear that students are eligible for BAföG, other questions often arise. Here you can find out how long care lasts and what is the age limit, as well as answers to other practical questions.

How long is the BAföG payment?

The law regulates exactly how long pupils and students of schools in academies or higher technical schools can receive BAföG. Students from the fifth semester onwards can only receive BAföG if they can provide proof of performance.

The basis of the financing period is § 15 BAföG. Accordingly, students are generally supported as long as they attend the internship facility. BAföG is also available during holidays and when the class has to be repeated.

Attendance at an evening grammar school is funded as soon as there is no commitment to work, usually during the last three semesters.

Interns in academies and higher technical schools are funded throughout the training period provided for in the relevant training and examination regulations.

Interns at universities are generally funded until they reach the maximum funding period. This depends on the chosen subject area and the results from the relevant standard period of study in Germany, which are specified in the study and examination regulations.

Proof of performance required from Chapter V

Students at higher technical schools, academies and universities must demonstrate their academic progress with proof of achievement, according to Article 48 of the BAföG. Average academic progress is sufficient to receive further funding.

Evidence is provided by

  • certificate of passing an intermediate exam during the fourth semester,
  • A certificate from the training center issued after the beginning of the fourth semester stating that the services provided were within the usual range,
  • Proof of the usual ECTS points for the course in question.

Check the average special case

If the training and examination regulations provide for an intermediate exam or corresponding proof of performance before the start of the third semester, these certificates must also be submitted to the Education Funding Office.

How does reimbursement work?

Schoolchildren receive BAföG as a grant. You don't have to refund anything. Students at schools, academies and higher technical universities receive half and half of the BAföG scholarship as a loan. The loan must of course be repaid.

BAföG loan without interest and the repayment terms are very social. And: No one has to pay more than 10,000 euros.

The monthly rate of repayment of the loan is 105 euros, as of April 2020 130 euros. The premium is due every three months. Students do not have to pay a total of more than €10,000. The new regulation after the reform provides for the possibility of exempting borrowers from their remaining debts after a maximum period of 20 years – if they try to repay them. The legal basis for this is § 18 BAföG.

Summarize:

  • Repayment should begin only five years after the end of the maximum funding period, in the case of academies five years after the end of the normal internship. As a rule, you have already started your career when the payment begins.
  • The BAföG loan must be repaid up to a total amount of up to 10,000 euros.
  • The loan is repaid in regular installments of €130 (€105 until March 2020) per month over a period of up to 20 years. Three monthly installments are combined into a quarterly amount.
  • After 20 years, the debt is considered to have been repaid – if the intern tries to repay it and participates in the repayment process.
  • Reimbursement breaks are possible. Anyone who earns no more than €1,225 per month can apply for a suspension of payment. If spouses, registered partners or children have to be provided, this amount increases.

Bonus for those who work hard in repayment: If you repay the loan in whole or in part before the due date, you will be forgiven for part of the debt.

Is there a specific age?

Basically: Anyone wishing to obtain a BAföG must not have reached the age of thirty at the beginning of their training, or the age of 35 for master's courses. However, there are a few exceptions.

The age limit may be exceeded in the following cases:

  • For graduates of the second educational track
  • For students enrolled without a university entrance qualification due to their professional qualifications
  • In the case of persons undergoing the additional training required by law for the required profession
  • For people in additional training who have been given access to through previous training
  • For trainees who have been prevented from starting their training early for family reasons
  • For trainees who have become in need due to a radical change in personal circumstances

The following applies to all exceptions: training should begin immediately after the disappearance of the obstacle. For interns who raise their children under the age of 14 without interruption when they reach the age of 30 or 35 and do not work more than 30 hours a week, the minimum age is postponed until the child's 14th birthday.

What is Graduation Aid?

Students who have not been able to complete their studies within the maximum funding period of BAföG can apply for so-called assistance in completing their studies. Graduation assistance is granted as a full interest-free loan that must be repaid.

University interns who are in an independent course (but not, for example, in supplementary training) can get help to complete their studies for a maximum of twelve months after exceeding the maximum funding period. This applies only if they are admitted to the exam within four semesters exceeding the maximum funding period and if the training facility certifies that the internship can be completed during the duration of graduation assistance. Graduation assistance is granted as a full loan. The basis is Section 15(3a) i. M. § 17 Abs. 3 BAföG.

The sources

Official Bavogue Website

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