Matthias (22), student, non-European countries

Matthias (22) is studying Business Administration in his 3rd semester at Kiel University and is attending a university in Japan for a year. He is renting accommodation with a host family there. He has travelling expenses of 2,200 euros. In addition, there are tuition fees totalling 5,000 euros. Matthias is covered by his parents' health and long-term care insurance free of charge. However, he has taken out his own private health insurance for his stay abroad in Japan. His sister Lea is in year 9 of secondary school and still lives at home with their parents. His mother is a tax consultant and 2 years ago had a gross annual income of 72,900 euros. She pays into a "Riester pension". His father is a househusband.

Matthias receives financial aid totalling 1,480 euros per month. As the tuition fees do not have to be paid back, the amount of the tuition fees totalling 416.67 euros is deducted to determine the interest-free loan. Of the remaining funding amount of 1063.33 euros, Matthias receives 531.67 euros as an interest-free loan and 531.67 euros as a grant. The 416.67 euros must now be added back to the grant amount of 531.67 euros, so that Matthias receives a total of 948.34 euros as a grant and 531.67 euros as an interest-free loan.