Katharina (28), student, married, 2 children

Katharina (28) is in her 4th semester of English studies at the Europa Universität Flensburg and lives with her husband and two children (2 and 4 years old) in a rented flat. She has family insurance with her husband, who is a research assistant at the University of Flensburg. Two years ago, her husband had a gross annual income of 42,840 euros. Katharina owns a car with a current value of 17,500 euros. Katharina's father had a gross annual income of 33,250 euros 2 years ago. Her mother is not gainfully employed.

Katharina receives benefits totalling 1,175 euros per month. As the childcare allowance does not have to be repaid, the childcare allowance of 320 euros is deducted to determine the interest-free loan.

Of the remaining subsidy amount of 855 euros, Katharina receives 427.50 euros as an interest-free loan and 427.50 euros as a grant.

The 320 euros must now be added back to the subsidy amount of 427.50 euros, so that Katharina receives a total of 747.50 euros as a subsidy and 427.50 euros as an interest-free loan.