If you received BAföG support during your studies, you must repay the loan portion.
If you are studying, you will generally only receive half of your BAföG as a grant. The other half is paid as an interest-free loan, which you must repay. You will receive the request from the Federal Office of Administration for this about 4.5 years after the end of the standard period of study.
Regardless of the amount of your BAföG loan, you must repay a maximum of EUR 10,000. For those who received BAföG funding for the first time from 01.08.2019 or later, a maximum of 77 monthly instalments of EUR 130.00 each must be repaid (i.e. a maximum of EUR 10,010 in total; repayment instalments reduced on application depending on income count as full monthly instalments, so the total repayment amount can then also be lower, even if a total of more than EUR 10,010 was paid out as a loan).
If you want to pay at least EUR 500.00 before the start of the repayment period, you can get a discount and have to repay less. You will receive the largest possible discount if you pay the full amount in one go before the start of the repayment period.
You generally do not have to pay interest on the BAföG loan and have up to 20 years to repay it.
The installments are paid every 3 months in the amount of EUR 390. If your income is low, you can apply for a deferral from the repayment obligation of your BAföG loan or for the payment of lower installments ("income-based repayment"). If you pay an installment over 45 days late, reminder fees and interest will apply.
At the end of the 20-year repayment period, the Federal Office of Administration will automatically check to see if you can be forgiven the remaining loan debt. You can be released from the remaining debt if you
You can repay your BAföG loan in writing or via online procedure:
For example, you can view your current outstanding loan debt and your current payment schedule.
Receipt of payment on the account at the Bundeskasse Halle:
- 15 days after payment date at the latest to prevent reminder costs.
Note: If your payment has not been received in the account at the Bundeskasse Halle after 45 days, you will have to pay late interest.
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Full information only available in German language
Last update at 04.04.2023