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Finances - KfW Student loan

The KfW student loan helps students to cover their living costs during their first degree, regardless of their own income or that of their parents.

Students over the age of 18 are eligible to apply if they meet the following conditions:

  • Studying at a state or state-recognised university based in Germany
  • Registered for a full-time degree programme
  • Not yet turned 35 years old
  • A German or European Union citizen and officially resident on German soil for at least three years

Monthly funding payments of between €100.00 and €650.00 are usually paid until the 10th course semester. A maximum of four additional semesters can be funded, subject to an application stating reasons for the extension.

The KfW student loan can be combined with BAföG. No securities need to be provided.

The period of the loan can be arranged flexibly; the maximum period is around 34 years. The interest rate is variable and is adjusted every six months according to developments on the capital markets. The interest rate for the following six months is set on 1st April and 1st October of each year.

The loan is repaid in monthly instalments once the student has graduated and started work; it can take up to 25 years.

You will find detailed information and the application form on the website of KfW-Bank.

You can gain advice by appointment at Studierendenwerk Kaiserslautern from:

Regina Walter

Building 30, Room 220,

Tel. 0631 205-4525
E-Mail: r.walter[at]studwerk-kl.de


Gerlinde Bernath

Building 30, Room 254
Tel. 0631 205-4488.
E-Mail: g.bernath[at]studwerk-kl.de



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