Olga (19), student, self-employed mum

Olga (19) is studying physics in her first semester at the CAU and lives with her parents in Kiel. She is co-insured in her parents' health and long-term care insurance without having to pay contributions. Two years ago, her father had a gross annual income of 27,500 euros. The mother had income from a flower shop as a self-employed tradesperson totalling 29,000 euros. The mother has voluntary health and long-term care insurance. The parents have not taken out a "Riester pension" contract. They are assessed separately for tax purposes. Olga has her own car with a current value of 5,000 euros and a savings book with a deposit of 4,000 euros.

Olga receives a monthly subsidy of 459 euros, of which 229.5 euros is a grant and 229.5 euros is an interest-free loan.