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BAföG (federal student financial aid)
BAföG ·Gerido 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.
Quem tem direito
- 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
Como candidatar-te
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.
Prazos: Paid from the month of application, never retroactively; approval periods run 12 months
Candidatar / canal oficial →Alterações recentes e anunciadas
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.
Fontes
- Was sind Bedarfssätze und wie hoch sind sie? — BMBFSFJ (bafög.de) (consultado em 10 de julho de 2026)
- 29. BAföG-Novelle — Verbesserungen zum Wintersemester 2024/25 — Deutsches Studierendenwerk (consultado em 10 de julho de 2026)
Última verificação 10 de julho de 2026
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