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KfW student loan
KfW-Studienkredit ·Gerido por KfW Bankengruppe
The KfW-Studienkredit finances up to 14 semesters (a maximum of €54,600 in total) with a freely chosen monthly payout. There is no means test and no collateral requirement. The interest rate is variable — 6.53% effective since 1 April 2026 — and resets every 1 April and 1 October; repayment starts after a grace period of around 18 months and can stretch over up to 25 years.
Quem tem direito
- 18 to 44 years old at the start of the loan
- Enrolled at a state or state-recognized higher-education institution in Germany
- German citizens, EU citizens with at least 3 years of residence in Germany, their family members, and Bildungsinländer
- Other non-EU nationals are not eligible
Como candidatar-te
Apply online at kfw.de — you choose the monthly amount between €100 and €650 yourself.
Alterações recentes e anunciadas
Effective interest rose to 6.53% on 1 April 2026 (from 6.04%) — expensive next to state support like BAföG's zero-interest loan half, so compare carefully.
Fontes
- Fragen und Antworten zum KfW-Studienkredit — KfW (consultado em 10 de julho de 2026)
- KfW-Studienkredit im Detail — Studis Online (consultado em 10 de julho de 2026)
Última verificação 10 de julho de 2026