EU Student Incentives

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Beca

BAföG (federal student financial aid)

BAföG ·Gestionada por Studierenden- und Studentenwerke (Ämter für Ausbildungsförderung)

BAföG is the backbone of German student finance, paid monthly by the Amt für Ausbildungsförderung at your local Studierendenwerk. Half is a non-repayable grant, the other half a zero-interest state loan — and no matter how long you were funded, you repay at most €10,010 (77 installments of €130), with the rest waived after 20 years. It covers a first degree including a consecutive master's for the standard period of study.

Quién tiene derecho

  • First degree or consecutive master's, starting before your 45th birthday
  • German citizens; EU citizens with permanent residence, worker status or at least 6 months of study-related prior employment
  • Non-EU nationals via permanent permits, a residence permit plus 15 months of lawful residence, 5 years of own work in Germany, or a parent who worked 3 of the last 6 years here
  • Parental income above the allowances reduces the award — €2,540 net per month is exempt for a couple
  • Own assets: €15,000 exempt under 30, €45,000 from 30

Cómo solicitarla

Apply online at BAföG Digital — funding starts from the month of application and is never paid retroactively, so file early even if documents are still missing.

Plazos: Paid from the month of application, never retroactively; approval periods run 12 months

Solicitar / canal oficial →

Cambios recientes y anunciados

A coalition draft would raise the housing allowance from €380 to €440 (reported for 2026/27–2027) and lift the basic rate in steps in 2027–29 — not yet law.

Fuentes

Última verificación 10 de julio de 2026

Ayudas relacionadas

Beca

Study start-up help (Studienstarthilfe)· Studienstarthilfe

1000 € pago único

A one-time €1,000 grant for study starters under 25 whose household received means-tested benefits in the month before the start of study — no repayment, no offsetting.

Beca

Aufstiegs-BAföG (advancement training assistance)· Aufstiegs-BAföG (AFBG)

hasta 15.000 € variable

Funds Meister, Fachwirt, Techniker and 700+ other advanced qualifications: half of up to €15,000 in course fees as a grant, plus means-tested maintenance up to €1,019/month for full-timers.