BAföG benefits increase as of Winter Semester 2019/20!

There is a substantial increase of BAföG benefits and the parents' income allowances increase to a much higher amount as well. Students who have not yet received the full maximum benefits can expect significantly more BAföG from winter semester 2019/20.

What will change (among other things):

  • The maximum BAföG rate increases from 735 EUR to 853 EUR, in winter semester 2020 it increases to 861 EUR
  • Housing allowance for BAföG-supported students who do not live with their parents increase from 250 EUR to 325 EUR
  • In a first step, rates will be raised by 5 % in autumn 2019 and again by 2 % in autumn 2020
  • Voluntarily paying health and long-term care insurances (e.g. from 31 years of age) increases the granted amount of BAföG (up) to 933 EUR per month
  • Parents' income allowances will be increased. As of autumn 2019, parents are allowed to have a 7 % higher income before it is credited against BAföG benefits (increases by a further 3% in autumn 2020 and by a further 6% in autumn 2021)
  • For student's children (up to 14 years), a childcare supplement of 140 EUR per month is paid as a subsidy per child upon application. In autumn 2020, the amount increases to 150 EUR. Before, only children up to ten years were included
  • Those who care for close relatives (at least care level 3) are eligible to receive support beyond the maximum support period

Detailed information about the new BAföG on the website of Deutsches Studentenwerk (German)


What else changes?

  • Just like before, half of the BAföG benefits received have to be payed back as a loan, and this amount does not fall due until five years after the end of the maximum support period (after the first degree).
    What is new is that the amortization will be done in monthly instalments depending on income but at a maximum rate of 130 EUR. After 77 instalments, a maximum of 10,010 EUR, the remaining debt is remitted. There is no cheaper way to finance your studies!
  • Students who need up to two semesters longer to finish their studies for reasons that are not recognised by the Department for Grants (BAföG-Amt), can now receive "Help for graduation". This is an interest-free loan which must be repaid in full (a so-called Volldarlehen). The prerequisite is that one is admitted to the final examination of the respective study program within four semesters after the end of the maximum funding period. The university/acadamy then has to confirm that the program can be completed within the following 12 months. The amortization of the loan is only required after the repayment of the regular BAföG (see example 5).

Examples

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Your parents are married to each other. Your father is a worker with an annual gross salary of 25,000 EUR. Your mother works as an employee and achieves a gross salary of 30,000 EUR.

Together they pay €8,000 in taxes each year. In addition to you, the student, there is another child who attends school and has no income of his/her own.

In the future, 188.66  EUR instead of 260.40 EUR will be credited monthly against the parents' income. You will then receive 555 EUR per month instead of 389 EUR.

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Your parents are married to each other. Both are self-employed. Your father has a total income of 60,000 EUR, your mother's total income amounts to 15,000 EUR. You also have a school-aged sister with no income.

In the future, 231.00 EUR instead of 321,75 EUR per month are credited against your parent's income. You will receive monthly benefits of 513 EUR instead of  327 EUR up to now.

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In this example, both parents are divorced. Your father is self-employed and generates a total income of 25,000 EUR anually. He pays 2,800 EUR in taxes. Your mother is civil servant and has a total income of 33,000 EUR per year of which 4,800 EUR are payed in taxes. You do not have any siblings.

In the future, 349.38 EUR instead of 396.25 EUR are credited against your parent's income. As a result, you will receive 395 EUR instead of 253 EUR.

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Your father is employed and earns 33,000 EUR annually. Your mother is employed as well and earns 28,000 EUR per year. Both are married and pay 9,000 EUR in taxes. You are the only son of your parents but you did not receive any BAföG benefits due to your parent's income.

In the future, you will receive 92.00 EUR and do not have to pay the licence fee (Rundefunkbeitrag) because you receive BAföG benefits.

The financial advantage because of the new BAföG regulation amounts to 1,104 EUR per year!

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The person applying receives BAföG benefits amounting to 40,000 EUR during their regular duration of the study program. Subsequently, the applicant receives 10,000 EUR as "Help for graduation" full loan assistance to complete their studies.

Since half of the BAföG benefits received are a loan and the other half does not have to be repaid, the amount for amortization amounts to 20,000 EUR. The "Help for graduation" loan is a full loan. As a result, the person has to amortize 30,000 EUR.

Amortization starts five years after the maximum funding period ends. At first, the BAföG loan has to be repaid in monthly instalments of 130 EUR each. After 77 instalments, a total of 10,010 EUR, the rest of the loan is remitted. In our example, the person receiving the loans does not have to amortize 9,900 EUR.

With the 78th instalment, the amortization of the "Help for graduation" loan starts. Since this is a full loan, the total amount of 10.000 EUR have to be amortized.

Of a total of 50,000  EUR in funding, the applicant only has to pay back 20,010 EUR.


Questions on how to apply?

For general questions on the application for BAföG, please visit the BAföG service office at the Student Service Center (SSC).


Do not forget, even if the BAföG benefits you receive are low:
Half of it does not have to be paid back and BAföG-supported students are completely exempt from TV licence fees.