Loan decisions
How much student borrowing do I actually need?
Calculate the remaining funding gap, separate one-off costs and define the intended borrowing period.
STUDY & FINANCE / DEUTSCH & ENGLISH
Your studies.
Your funding plan.
What will studying cost, and how can you cover it? Explore student loans, financial support and the budget behind everyday student life in Germany.
Explore student funding
Understand the gap before choosing how to fund it.
Where are you starting?
From your first cost estimate to your final loan payment: find the topic behind your next decision.
01 / 22 articles
Loan decisions
Assess needs, contracts and alternatives before borrowing.
02 / 21 articlesHousing & budget
Plan accommodation, everyday spending and semester expenses.
03 / 19 articlesGrants & scholarships
Research BAföG, scholarships and supplementary support.
04 / 14 articlesWork & income
Connect working hours, pay dates and study commitments.
05 / 14 articlesStudy stages
Money decisions around transitions, breaks and graduation.
06 / 10 articlesInternational study
Arrival costs, exchange semesters and cross-border payments.
07 / 12 articlesRepayment
Track balances, prepare repayments and address payment difficulties.
A loan is one part of the plan.
Check grants, scholarships and your own resources first. A funding plan shows the amount that still needs to be covered.
Start with a funding question
All articles →
Housing & budget
Planning moving costs and a rental deposit
Schedule the deposit, first rent, transport and basic equipment before moving for university.
Grants & scholarships
Checking BAföG before planning a loan
Before filling a student budget gap with a loan, check whether BAföG could be part of the funding plan.
Work & income
Assessing a student job by usable income
A job does not improve your student budget by its full advertised gross wage.
Study stages
Planning finances between bachelor and master
Align funding end dates, admission and the start of your next course.
International study
Proof of funding versus money you can spend
Separate official funding evidence, restricted balances and money available for arrival expenses.