Max (24), student, and Saskia (18), high school student, both living away from home, parents divorced

Max (24) is studying electrical engineering at the Technical University of Lübeck. He has rented a flat together with fellow students. His sister Saskia (18) is in year 12 at a grammar school. She lives with her grandparents because the grammar school is not within a reasonable distance from her parents' home. Max and Saskia's parents have been divorced for several years, are both employed and each receive child benefit for one of their children. Two years ago, the father had a gross annual income of 37,350 euros and the mother 26,500 euros. The father and mother each pay into a "Riester pension". Max and Saskia are covered by their parents' health and long-term care insurance without having to pay contributions.

Max receives benefits totalling EUR 795 per month, of which EUR 397.50 is a grant and EUR 397.50 is an interest-free loan. Saskia receives benefits totalling 606 euros per month as a subsidy.