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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