Repay BAföG loan
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Schule, Ausbildung und Studium
Procedure
You can repay your BAföG loan in writing or via online procedure:
Written procedure:
- Approximately 4.5 years after the end of the standard period of study of your first BAföG-funded degree program, you will receive a letter from the Federal Office of Administration, the so-called "Feststellungs- und Rückzahlungsbescheid".
- The letter informs you about the amount, when and how exactly you have to repay the BAföG.
- It also contains an offer for early repayment of the BAföG loan and informs you about the highest possible discount you can receive.
- Please then complete the direct debit authorization form and return it to the Federal Office of Administration. The installments will then be collected from your account every 3 months via a SEPA direct debit mandate.
- If you miss a payment date by more than 45 days, interest will accrue. From that point on, 6 percent interest will be charged annually on your remaining debt. This interest will continue until the outstanding balance is paid in full.
- Please remember to notify us immediately of any changes in your name or address. By doing so, you will avoid costs for determining your address (EUR 25).
Online procedure:
- Go to the BAföG-Online portal of the Federal Office of Administration and register there.
- Following the registration, you will receive a confirmation by e-mail. Follow the steps in the email to complete the registration.
- After the registration was successful, you can log in with your e-mail address and password. In the portal you will find all essential forms concerning the repayment of your BAföG loan.
- If you log in with your electronic ID card, more functions will be available to you.
For example, you can view your current outstanding loan debt and your current payment schedule.
