Sarah (24) and Tobias (28), live together, 1 child

Tobias (28) is studying for a Master's degree in Media Management at Kiel University of Applied Sciences and lives in a rented flat with his girlfriend Sarah and their child. He has his own contributory health and long-term care insurance. Tobias owns a car with a current value of EUR 4,350 and has a call money account with a deposit of EUR 12,800. He also earns EUR 960.00 (gross) per month from a job as a student assistant at the Office for Educational Support. Two years ago, his father had a gross annual income of 66,400 euros and his mother is not employed. Sarah (24) is studying to be a teacher at the CAU Kiel. She has health and long-term care insurance with her parents. Two years ago, her father had a gross annual income of 41,400 euros and her mother 26,200 euros. Sarah and Tobias agree that Sarah will receive the childcare allowance for the child they have together as part of her needs rate.

Sarah receives support benefits totalling EUR 520 per month, of which EUR 160 is childcare allowance, which does not have to be paid back.
Half of the remaining support amount of EUR 360 is granted as a subsidy and half as a loan in the amount of EUR 180.
The childcare allowance of EUR 160 must now be added back to the subsidy amount of EUR 180, so that Sarah receives a total of EUR 340 as a subsidy and EUR 180 as an interest-free loan.