Sebastian (29), student, married, child

After leaving secondary school, Sebastian (29) completed a vocational training programme and spent four years working as a mechatronics engineer. In recent years, he has completed his A-levels at an evening school. He is now in his second semester studying computer science at Kiel University. Due to his completed vocational training and four years of work experience, he is supported independently of his parents. Sebastian lives rent-free with his wife and their two-year-old daughter in a flat that belongs to his parents. He is co-insured free of charge in the statutory health and long-term care insurance with his wife, who works as an employee for the city. Two years ago, his wife had a gross annual income of 50,000 euros. He himself earns an additional 538 euros (gross) per month from a part-time job. Sebastian's wife pays into a "Riester pension". Sebastian himself had set up a "Riester pension" during his vocational training and continues to do so.

Sebastian receives monthly benefits of 605 euros.
To determine the repayable state loan, the childcare allowance of 160 euros must first be deducted from these benefits, leaving 445 euros.
Half of these benefits are granted as a subsidy of 222.50 euros and half as a state loan.
The childcare allowance of 160 euros must now be added back to the subsidy amount of 222.50 euros, so that Sebastian receives a total of 382.50 euros as a subsidy and 222.50 euros as a state loan.