The Studentenwerk SH offers you information on loan and credit options. We will advise you in detail about financing, taking your individual situation into account. Our intention is to talk to you and find ways to avoid a loan or at least keep it as low as possible.
That's why we look together to see if you can draw on other sources such as BAföG, parental support, scholarships or a job.
Due to the current interest rate development of the KFW student loan, we advise against an ill-considered utilisation if possible.
The list below is not exhaustive. There may be other offers depending on the subject and location of study as well as the individual situation.
Overview student loans
The loan is granted regardless of university, subject and grades. The financing amount is between 100 and 650 euros per month.
The monthly disbursement amount can be changed semester by semester upon application.
Funding is available for both first and second degree studies, as well as additional, supplementary or postgraduate studies (including a doctorate).
Depending on age and semester, up to 14 semesters of funding are possible.
Detailed information can be found at www.kfw.de.
The interest rate is variable and market-oriented and is always fixed on 01.04. and 01.10. for half a year each.
You can get an overview of the individual costs via the repayment calculator of the KfW development bank.
Please feel free to ask us any questions you may have about the KfW student loan. Do not sign a contract too quickly!
A maximum of 7,200 euros can be granted for the education loan, either in up to 24 monthly installments of 100 euros, 200 euros or 300 euros (freely selectable) or as a one-time down payment in full hundreds of euros up to 3,600 euros.
You can receive the education loan if you are of age up to the age of 36. You must be enrolled at a German university and have passed the preliminary examination or successfully completed the first year of studies (proof of 1/3 of the required credit points). The education loan is not granted beyond the twelfth university semester (exception: admitted to the final examination or confirmation that the studies can be completed in four semesters).
Cancellation is possible free of charge at the end of each month.
The interest rate is variable and market-oriented and is always fixed on 01.04. and 01.10. for half a year in each case. The interest rate is considerably more attractive than the KFW student loan.
You can find detailed information at www.bildungskredit.de.
Please feel free to ask us any questions you may have about the student loan. Do not sign a contract too quickly!