Jobben, Eltern, BAföG: The top 5 of the study funding


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There are many ways to support life support during your studies. In addition to jobs, support from the parents, BAföG and study loans. According to a recent survey, almost half of the students come with debt from the university.

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Olaf Kempin univative Olaf KempinOlaf Kempin is founder and co-owner of univativ. 

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Jobben, Eltern, BAföG: This is how students finance themselves

Studying is expensive: semester contribution, books and learning material, plus rent, insurance, food and clothing. A foreign stay or leisure activities are not yet included. Where does the money come from?

A recent survey of univativ among 350 students revealed: from different sources. Income from student jobs or parental support often do not meet the full requirements. Therefore, almost every second student starts with debt in the working life.

The top 5 of study funding

But how do students now finance themselves in detail? Here is an overview of the top 5 of the study funding:

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  1. Parental support: The fact that 56 percent of the surveyed graduates came financially unaffected by the university is mainly due to parental support. Every second student got money from the parents during his studies. For the majority of them, this was the main source of income. Nevertheless, when asked what they would have done differently in retrospect, the answers were clear: asking for more money from the parents is for the least one option. Seven per cent had even seen less parental help in retrospect.
  2. Part-time job: Two-thirds of the respondents worked alongside the university, but only 30 percent funded this way. In his retrospect, the sub-job turned out to be an underestimated measure. More than one-third of the graduates (35 per cent) would have liked to use this option later. Already the side job is an important financing factor. For 67 percent of the surveyed graduates, he was a source of income, one-third the most important. The student job offers good chances to master the study financially without burden or with a lower debt volume. But financial independence is just one of the advantages of a sideline: in the ideal case, it also makes it easier to get a job. The prerequisite for this is that one selects the activity wisely and collects relevant practical experience for the later desired career.
  3. BAföG: 44 percent of respondents, on the other hand, had debts from their apprenticeship after graduation. The reason for this is above all the receipt of BAföG, which received more than every third party. Although the reimbursement of the BAföG received is limited to the upper limit of 10.000 Euro, this is already a tangible financial burden for newcomers.
  4. Student Loan: Student loans, which contributed to student financing for ten percent of respondents, do not know such caps. Ten percent took out a student loan, which they have to pay after starting their careers. The sums are substantial: A quarter of all graduates owed more than 6.000 Euro from the study period: Twelve percent said they were in the black with 10.000 to 19.999 Euro, eleven percent with at least 6.000 to 9.999 Euro. At eight percent of respondents, the debt at the time of graduation amounted to 3.000 to 5.999 Euro, only ten percent were below. However, only three percent of the respondents made more than 20.000 Euro debts.
  5. scholarships: From the survey data, it becomes clear that only a few students could finance themselves from a single source. However, in retrospect, 28 would take a higher percentage of funding opportunities. In fact, only nine percent of respondents benefited from scholarships.

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  1. Competencepartner

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