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overview of the study costs

The start of a course is often marked with the extract from the parental home. Therefore, be expensive to a recognize at first not so clear. Now if you are dependent on a student loan, you should know how much money you really need for. These are listed here, then items that are designed to provide an overview of the cost of living. The values given are based on average values and refer to the study of the German Student Union in 2006.

Expenditure on rent amount to average 266 € per month. It depends on the chosen form of housing. The residence hall still offers the best option to live where there are the costs are on average about 201 €. A separate apartment is indeed great but also the most expensive option with an average of € 316 a month in rent. The decision where you study is reflected in the rent. The former West Germany are still in the rental cost of the new federal states. In addition, rents in major cities like Munich and Hamburg are often 2.5 times as expensive than in rural areas.

After the rental is equal to the question of the cost of food and clothing. type of food for students, on average, between 80 € and 200 €. And the cost of clothing are still times when an average of 50 €.

Now, if the basic needs are paid are also still spending learning resources the students. This is on average at 35 €. However, there are serious differences in the study. Dentistry students and the department of "fine art, design, graphics, design, new media," delivered by an average of 77 € or 57 € in the most money for learning resources. Followed by the study subjects Architecture (54 €), the right scientists and veterinarians (47 €), medical doctors (44 €), economics (33 €), engineering sciences and natural sciences (30 €).

Furthermore we must underestimate expenditure not travel costs . Here you must decide, will you move around by car or public transport. The expenses for a car amounts to an average of 119 € a month and the public transport (including semester ticket) at month 35 €.

Now come cost health insurance, medical expenses and medication on a. Students under the age of 25 Age are still subject to compulsory insurance of their parents, which would contribute Freed. The contribution rate to health insurance for students from 25 years is currently € 54.78.

Expenditure telephone, Internet, radio and television fees are at about 43 € and are available for Arts, Culture and Sport at about 62 € a month.

contributions to the university, such as expenditure for registration and feedback amounted on average to 141 € per semester. This must be noted, however, that are now to be paid to some universities in some states tuition and this may amount to up to 500 € per semester. For private universities, these amounts far higher still.

When these individual costs are now charged together, you get a month to an average amount of at best be approximately € 567 to 645 €. To note that this applies only to median values and the individual situation may differ considerably light of it.

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types of student loans

There is not only one but also student credit student loans to finance tuition fees on behalf of the countries.

Bavarian student loans
As to pay in Bavaria since the summer semester 2007 tuition fees are € 300-500, since the students will also be the low-interest student loans Bavarian offered. Posts are not on the students but paid directly to the university.
It can parents independently, without having to apply collateral and no credit check. Provided that one is a German citizen, EU member state citizens, family members of EU or EEA citizens residing in Germany or national education, that is alien to their university entrance qualification in Germany have purchased is. Reimbursement is the loan until after of the study and a waiting period of up to 24 Monaten.Wenn you get student loans traveled, but there is a debt ceiling of 15000Euro. That is, if you lie about it you get the rest of the loan shall, on request.

Niedersachsen-student loans also Lower
awards a student loan to cover tuition fees at universities in Lower Saxony state responsibility over the funding of Lower Saxony. Applications may also be German, students from EU countries, students from EEA countries, their close family members, homeless foreigners and foreigners and stateless their university purchased in Germany. Requirement here is that it is a first degree course, the 35th Age is not yet complete. The size is 500 € per semester or 333 € per term for the duration of the normal period for a reasoned request, plus plus 4 semesters. Paid the amount in six months. The application can be submitted to the NBank, lenders, however, is also the KfW. Here too, no collateral required and it is independent of income and assets of the applicant.

student loan-Saarland
Saarland has also been introduced in the winter semester 2007/2008, tuition fees and those for social impact accompanied with a loan offer for students. As in Bavaria and Lower Saxony also the tuition financing happens parents independently, without collateral, no credit check and independent of the course. Entitled to any of the 40th Age has not yet completed, a German citizen holds, EU citizens and citizens of the EEA, as well as family members of EU or EEA citizens, homeless, foreigners and resident education. The payment period is the duration of the normal period plus four semesters. On the continuation or suspension of payment of each semester may be decided again.
compatible social the loan in the sense that it be deferred with a grace period of 24 months must be returned and only if a minimum of 1060 € is available net, the repayment terms can be selected individually and for BAFöG - receiver is that a repayment limit consists of 15000Euro. Everything that goes beyond that is adopted. A loan eligibility as well as information on the exact course you get from your university.

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Information required with the loan application

first Personal

• first name, last name, date of birth, place of birth
• nationality, passport number, date of issue the ID card, passport validity, type of pass (ID card, foreign document, passport, other internal document), the authority

second Primary residence

• street, postal code, city, country

third Contact

• phone number with optional pre-and co-option
• information: alternative phone number, e-mail address, mailing address if different from the primary residence, address of parents

4th Bank

• sort code, account number, debit

5th Details of studies

• College, be necessary to examine which university is funded with which credit
• registration number or application number
• first study
• current high school semester to the eligibility date
• previous contributory semester or leave of absence
• to degree as Bachelor, Master, Master, Master, State Exam , other higher education
• statement that they still have not made a college degree yet

6th Information on credit

• beginning of the first payment (eg SS 2009)
  

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FAQ

first Who can apply for a student loan?

• German and their 1st degree relatives living in living in Germany
  
• EU citizens and their families in Germany 1.Grade
• EEA citizens
  
• students enrolled at a German university or other approved university
  

second Can I apply for each course a student loan?

• it must be a first degree or
  
• a consecutive or non-consecutive master's degree
  

third What is the maximum loan amount?

• this variable can be set by you until to a monthly rate of 650Euro
  

4th Over what period the loan is paid off?

• flexible designable is up to 34 years
• paid up to 5 years and may be renewed for 4 semesters
• the repayment period can be up to 25 years go
  

5th Where and how can I apply it?

• from the KfW development bank under the online loan portal
• your bank
  

6th How much should I pay back?

• you have to pay the loan amount plus interest back
  

6.1. At what point must I pay it back?

• after a waiting period of 18 7 to 23 months
  

What extra cost?

• is required for a possible involvement of the distributor an allowance in the amount of 238 € due

8th How much interest will I have?

• depends on the effective interest rate of the KfW development bank
  
• it is guaranteed a maximum interest rate for 15 years
  

8.1. What is the current interest rate?

• interest rates are variable and semi-annually to the capital market development adapted

8.2. Do I have to pay the interest during the Auzahlungszeit already?

• the interest rate is the monthly payment amount charged
• there is the possibility of a deferred interest
  

9th What happens if I change the subject?

• a change of subject is to inform you of the consequences KfW
  

9.1. Can the payment be suspended?

• for late submission of required documents, such as the performance record or the student status
  
• the request of the borrower
• negative Credit information (such as in personal bankruptcy or imprisonment)
  

9.2. What happens if I stop the study early?

• then the payment stopped
  

10th Can I get advice in person?

• Yes, 10 counseling centers in the KfW
  

What documents do I need to make an application?

• valid student identification
• ID card, or other official identification document
• bank account information on an account in Germany
  

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Secure Your Studies

... with the help of student loan . This provides an alternative for those who receive no student loans and financial support by the parents is sufficient or even completely eliminated. You have to meet but also some prerequisites:

• it is a first degree
  
• one does not have a university degree
  
• you are of legal age
  
• you have not yet reached the 31.Lebensjahr
  
• one is at a recognized university, with headquarters in Germany are registered
  
• one is a German citizen or is related (Applies only to spouses, registered partners and own children) with a German citizen who is in Germany
  
• one is a national of a Member State of the EU and in compliance with legally for 3 years in Germany, this applies also to their families who also be in Germany, regardless of their nationality
  

This loan is expected to offer students the opportunity to complete his studies in the normal period. Therefore, the disbursement also designed for a maximum of 5 years and may be extended up to 4 terms on reasoned request. It is here, as with student loans usually required, no later than the 5th semester, a power detection, as the promotion takes place only when the conclusion is really feasible, the student loan is only for financing the cost of living and is in monthly installments of up to 650Euro, paid. The repayment takes place only after a waiting period of up to 23 months, thereafter with the Bank agreed a repayment plan. Granted, the loan requested by the KfW and you can directly online through their portal or almost any other bank. Particularly suitable for students of this loan is also because no collateral is put.