Student grants and loans in Europe

Country
Date of publication
Found: 3
CountryGrantsLoans
Germany 2013/14 - grants and loans
General public student support (BAföG) is awarded as a grant for one half of the individual amount, and as an interest free loan for the other half. Total amounts range from EUR 10 to EUR 670/month for 12 months/year. Eligibility and amount are determined by assessment of student need based on income, family situation, housing situation and disability. A maximum of EUR 10 000 needs to be paid back.

Students need to be under the age of 30 (35 for master studies) to be eligible for public student support.

Different types of merit-based support are awarded entirely as a grant. The amount awarded is often determined through an evaluation of student need. Total amounts of scholarships range from EUR 150 to EUR 820/month for 12 months/year. Additional support is determined by assessment of the family financial situation.
Study loans are available to cover the tuition fees (in those Länder that charge tuition fees and limited to the amount charged) and living costs. The latter are available as a Bildungskredit of up to EUR 7 200 and a Studienkredit of up to EUR 54 600. Both loans are paid out in monthly instalments.
Germany 2015/16 - grants and loans
General public student support (BAföG) is awarded as a grant for one half of the individual amount, and as an interest free loan for the other half. Total amounts range from EUR 10 to EUR 670/month for 12 months/year. Eligibility and amount are determined by assessment of student need based on income, family situation, housing situation and disability. A maximum of EUR 10 000 needs to be paid back. The average amount paid for 2014 was EUR 5 376 per year (EUR 448 per month).

Students need to be under the age of 30 (35 for master studies) to be eligible for public student support.


An education loan (Bildungskredit) covers living costs which are not covered by BAföG. It is available of up to EUR 7 200. Also there is a Study loan (KfW-Studienkredit) of up to EUR 54 600. Both loans are paid out in monthly instalments.
Germany 2016/17 - grants and loans
General public student support (BAföG) is awarded as a grant for one half of the individual amount, and as an interest free loan for the other half. Total amounts range from EUR 10 to EUR 735/month for 12 months/year. It is available for full- time 1st and 2nd cycle and comparable studies (e.g. state exam studies in law, medicine). Eligibility and amount are determined by assessment of student need based on income, family situation, housing situation and disability. A maximum of EUR 10 000 needs to be paid back. The average amount paid for 2015 was EUR 5 376 per year (EUR 448 per month). Students need to be under the age of 30 (35 for master studies) to be eligible. An education loan (Bildungskredit) covers living costs which are not covered by BAföG. The maximum amount that can be taken out is EUR 7 200. Repayment of EUR 120 per month must start four years after the start of the loan. The Federal Government guarantees the repayment credit and the interest. A study loan with favourable terms (KfW-Studienkredit) of up to EUR 54 600 is also available. Both loans are paid out in monthly instalments.


Source: Eurydice, National Student Fee and Support Systems 2013/2014, 2015/2016, 2016/2017

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