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Financing overview

Most public universities in Berlin don’t charge tuition fees.  The following paragraphs will give you basic information on the opportunities you have on financing your studies in Berlin and outline the various student loan models.


-Federal aid-BaföG for foreign students

Before you applying for BaföG 
BaföG estimate tools
Application forms
Additional information
-Scholarships
DAAD
Other organizations
-Student loans
Before you applying for a student loan
Private student loans
State student loans
Private education funds
Further information


Federal aid-BaföG for foreign students

Before you applying for BaföG
German students have the right to receive the German federal aide called BaföG as long as the student meets the relevant requirements ( the criteria of §8 BaföG law). As a foreign student, you also can receive BaföG if you have already lived in Germany for an extended period or plan to stay in Germany for a long period of time.

The most important information about BaföG:

BaföG estimate tools
There are several BaföG estimate tools on the web. Try this one. Your university will also have further information at the Bafög office.

Application forms
In order to apply for BaföG, you have to fill out several of forms. You can download the application forms from the official BAföG website (English). This website will also show you how to fill them out.

Additional information
Official BAföG website (German)
The Studentenwerk Berlin
The BVA

Scholarships

DAAD
The best source for scholarships is the German Academic Exchange Service which is called by its German acronym, the DAAD, for "Deutscher Akademischer Austausch Dienst.” You can find more information on the DAAD website.

Other organizatoins
If you are currently in Berlin, the following scholarships might be a good start:

Studienstiftung des Deutschen Volkes
Heinrich-Böll-Stiftung, Studienwerk
Mirbachstr.7, 53173 Bonn
Telefon (02 28) 8 20 96-0
Rosenthaler Straße 40/41, 10178 Berlin,
Telephone (0 30) 2 85 34-4 00, Fax (0 30) 2 85 34-1 09

Cusanuswerk, Bischöfliche Studienförderung
Friedrich-Naumann-Stiftung
Baumschulallee 5, 53115 Bonn
Telephone (02 28) 63 14 07
Königswinterer Straße 407, 53639 Königswinter
Telephone (0 22 23) 70 11 79

Evangelisches Studienwerk e.V.
Friedrich-Ebert-Stiftung e.V.
Iserlohner Straße 25, 58239 Schwerte
Telephone (0 23 04) 75 50
Godesberger Allee 149, 53175 Bonn
Telephone (02 28) 8 83-0

Hans-Böckler-Stiftung
Hans-Seidel-Stiftung e.V.
Bertha-von-Suttner-Platz 3, 40227 Düsseldorf
Telephone (02 11) 77 78-0
Lazarettstraße 33, 80363 München
Telephone (0 89) 12 58-3 01

Konrad-Adenauer-Stiftung e.V.
Stiftung der Deutschen Wirtschaft
Rathausallee 12, 53757 St. Augustin
Telephone (0 22 41)2 46-3 28 (für deutsche Studenten)
Telephone (0 22 41) 2 46-3 21 (für ausländische Studenten)
11054 Berlin
Tel.: 030 / 20 33 - 15 40
Fax: 030 / 20 33 - 15 55

Enquire at your university’s student advisory service for more scholarship programs.
Also, check here for more scholarships.

Student loans

Before you applying for student loans
In Germany, the state as well as some institutions and banks offer student loans. Some offerings only cover tuition fees for German state universities while others finance tuition fees for private universities as well as cost of living. To receive a loan as foreign student you might need a guarantor who can guarantee for the repayment of the loan. You also, need a to have a residential address in Germany for at least one to two years an open-ended residence permit. Different institutions have different requirements, so make sure and read closely about each one.  When you find the right student loan, you can apply online or directly in the bank branch.

Before you applying for a student loan in Germany you should consider that:


Private student loans
private student loans are offered country-wide e.g. by Deutsche Bank and Deutsche Kreditbank (DKB). Some banks of Sparkassen Group or Volksbanken/ Raiffeisenbanken offer regional loan programs as well.

Private student loans
private student loans are offered country-wide e.g. by Deutsche Bank and Deutsche Kreditbank (DKB). Some banks of Sparkassen Group or Volksbanken/ Raiffeisenbanken offer regional loan programs as well.

Deutsche Bank:
The loan for students (db StudentenKredit) is disbursed in monthly installments up to 800 EUR for up to 60 months. Once the grace period ends the loan is due for repayment in monthly instalments for up to 144 months.
For this special loan the following requirements have to be fulfilled:

DKB Studenten-Bildungsfonds:
We need to remind you that that currently any communication with DKB bank can only be dealt with in German. So if you want to apply student loan from DKB, please ask your friend for help.
State student loans
State student loans in Germany are offered e.g. by: KFW Bank via your regional bank, NRW. Bank (only tuition fees), L-Bank (only tuition fees).

KFWBank
more information here.

NRW.Bank
more infomation here.

L-Bank
more information here.

Private education funds
Private eduaction funds also called ‘Bildungsfonds’: If you would like to have more information about private education funds, visit CareerConcept.

Education funds
Eduation funds are offers to qualified and highly motivated students, funding both cost of living and tuition fees. Repayment is income-based instead of interest-based, which means that after a successful application the fund determines a fixed percentage rate of your gross salary per month which you will have to pay back over a determined period of time (usually between 4 and 5 years). Depending on your salary after graduation you may pay back more, the same sum, or even less to the education fund. This type of student loan is perhaps the most secure, because repayment always correlates to your financial status and the salary you get. Details and conditions at here.  More information is also available in the Studentenwerk’s Financial Aid area.