If you get into financial difficulties during the course of your studies, don't bury your head in the sand, but contact us early on. We - the staff at the Counselling for Student Life - will work out your individual options with you and show you further offers of help. Counselling sessions are confidential and can be conducted anonymously.
You are welcome to prepare for our counselling session in advance. It is helpful, for example, to draw up a financial overview of your income and expenditure. This will make any financial gaps visible and make it easier for you to work with us to find a solution to your financial emergency.
You can find a selection of options here:
Loan from the Studentenwerk SH
- In emergencies, we grant an interest-free loan from the SH loan fund.
- Information on this can be found on a separate page
The debt counselling service helps with all financial difficulties and supports you professionally
- in balancing your income and expenditure,
- communicating with creditors
- or show you the possibilities of partial debt cancellation.
You can find your local debt counselling service on the website of Schulderberatung Schleswig-Holstein.
Freiessen is a service provided by Studentenwerk SH for students in emergency situations. A repayment-free amount of 50 euros is loaded onto your Campus Card so that you can eat free of charge in the canteens. You can obtain more information and the application form from the Student Life Advice Centre.
BAföG advance payments/graduation assistance
If your parents refuse to provide information about their income situation or do not pay maintenance in accordance with the law, you can apply for an advance payment. You may also be eligible for graduation assistance. You can find more information in our BAföG FAQ.
Social benefits/foundation funds
These options depend on your individual situation and where you are studying. They can be, for example
- Housing benefit
- Benefits according to the 2nd Social Security Code (SGB II), e.g. additional needs, hardship loans
- One-off financial aid from funds and foundations
You can find out more details in a personal consultation at the Student Life Advice Centre.
We have provided detailed information on a separate page.
You can save money, for example
- at swap meets
- charity shops
- food banks or
- food sharing offers
- Advice from help centres for (young) people in your city
- Help from churches and parishes
- Offers of help at your university
You can find out about local opportunities at the Student Life Advice Centre at your place of study.