Ferdinand (19), first-year student, living at home, parents receive housing benefit, study start-up grant

Ferdinand (19) from Neumünster is studying biology in his first semester at Kiel University. He has non-contributory health and care insurance with his parents and is moving out for his studies. Before starting his studies, Ferdinand had a holiday job on a mini-job basis, which he continues to do while studying. His sister is in the 5th grade. His mother is a sales assistant and 2 years ago had a gross annual income of 20,400 euros. His father works part-time and had a gross annual income of 12,100 euros 2 years ago. Ferdinand's parents currently receive housing benefit. As Ferdinand lives with his parents in the month before starting his studies and they receive housing benefit, he applies for study start-up assistance and receives 1,000 euros. This does not have to be repaid.

Ferdinand receives funding of 855 euros per month, of which 427.50 euros is a grant and 427.50 euros is an interest-free loan.
He receives a one-off study start-up grant of 1,000 euros as a full subsidy.