Student Finance

How can I pay for my studies?

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Financing your studies is one of the major issues you have to deal with before enrolling at a university. Fortunately, most public universities in Germany do not charge tuition fees, but studying, in principle, costs money: Every semester, you have to pay a semester fee, buy books and, of course, continue to maintain your livelihood.

You have various possibilities to finance your studies. If you or your parents have insufficient income, under certain circumstances, you can apply for state-funded financial support known as BAföG. Many students also work alongside their studies. There are also numerous scholarships, as well as loans and other funding programs available for students in Germany.


What is BAföG?

Can I apply for BAföG?

Where can I apply for BAföG?

How much money can I monthly receive as BAföG?

How much do I have to pay back?

If you do not receive a BAföG or the amount of your BAföG is not sufficient, you have other possibilities to finance your studies. You can try to win a scholarship, or apply for specific credit for students, or find a part-time job. You can also combine the options above to earn a living during your university years.

What options do I have?

Scholarships (“Stipendien”)

"Garantiefonds Hochschule"

Educational grant for the particularly gifted students ("Begabtenförderung")

National Scholarship ("Deutschlandstipendium")

Training loan programme ("Bildungskreditprogramm")

Student Jobs

How can I save money as a student?


As a student, in principle, you aren’t entitled to receive benefits from Jobcentre. If you start to study but hide it from Jobcentre to continue receiving benefits, upon discovery you would have to pay back all the money you’ve collected.