If you are studying, you will generally only receive half of your BAföG as a grant. The other half is paid as an interest-free loan, which you must repay. You will receive the request from the Federal Office of Administration for this about 4.5 years after the end of the standard period of study.
Regardless of the amount of your BAföG loan, you must repay a maximum of EUR 10,000. For those who received BAföG funding for the first time from 01.08.2019 or later, a maximum of 77 monthly instalments of EUR 130.00 each must be repaid (i.e. a maximum of EUR 10,010 in total; repayment instalments reduced on application depending on income count as full monthly instalments, so the total repayment amount can then also be lower, even if a total of more than EUR 10,010 was paid out as a loan).
If you want to pay at least EUR 500.00 before the start of the repayment period, you can get a discount and have to repay less. You will receive the largest possible discount if you pay the full amount in one go before the repayment period begins.
You generally do not have to pay interest on the BAföG loan and have up to 20 years to repay it.
- The amount of the monthly repayment installment is EUR 130.
The installments are paid every 3 months in the amount of EUR 390. If you have a low income, you can apply for a deferral from the repayment obligation of your BAföG loan or for the payment of lower installments ("income-based repayment"). If you pay an installment over 45 days late, reminder fees and interest will apply.
At the end of the 20-year repayment period, the Federal Office of Administration will automatically check to see if you can be forgiven the remaining loan debt. You can be released from the remaining debt if you
- received BAföG funding with a loan component for the first time as of 01.08.2019,
- were financially unable to repay the BAföG loan in full, and
- have fulfilled your payment and cooperation obligations throughout the repayment period.