Lea (22), student, single parent, 1 child

Lea (22) is studying psychology at Kiel University and lives with her daughter in a rented flat. She is co-insured in her parents' health and long-term care insurance without having to pay contributions. The father is an employee and 2 years ago had a gross annual income of 38,345 euros. Her mother also works and had a gross annual income of 35,000 euros two years ago. Lea's brother Finn is in year 9 at grammar school.

Lea receives a monthly allowance of 839 euros, of which 160 euros is a childcare allowance that does not have to be paid back.

Lea receives 339.50 euros of the remaining subsidy amount of 679 euros as a grant and a loan.

The childcare allowance of 160 euros must be added to the subsidy amount of 339.50 euros, so that Lea receives a total of 499.50 euros as a subsidy and 339.50 euros as an interest-free loan.