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BAföG - 15 / 16: repayment of the loan



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With BAföG reimbursement, you only have to start five years after the end of the training period and in the case of an academy training five years after the end of the training period provided for in the training and examination regulations. BAföG - 15 / 16: Repayment of the loan BAföG - 15 / 16: Repayment of the loan


Here writes for you: Simone Janson, German Top20 blogger, appearances in ARD, occasional articles for WORLD, TIME, WIWO, t3n, W & V, makes Best of HR - Berufebilder.de & HR-Kommunikation. Profile

Important NOTE

This entry contains content and information that may be out of date, eg due to legal or statistical changes. Because it can still be helpful to get an overview of the topic, you can still find it here.


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When does the refund?

With a little bit of luck, you are already firmly in the saddle at this time, although you can not necessarily assume the current labor market situation, all the more as if you have possibly still studied beyond the BAföG grant.

After about four and a half years, you will be sent a notice of repayment and repayment in which the amount of the loan as a whole and the amount of the repayment rate are determined. At the same time, you will be informed about the date of payment of the first repayment rate.

Where's the money?

The Bundesverwaltungsamt, 50728 Cologne, is responsible for the collection of state loans as the central office for sending you the declaration of repayment and repayment. It is therefore important to inform the Bundesverwaltungsamt of any changes to the address at any time, but at the latest before the start of repayment, in order to avoid difficulties in the service of the decision.

Because if the office has to find out your address or does not even locate it, this can be expensive for you - in the latter case, the BAföG debt increases due to late payments.

How and for how long is paid?

Your loan must repay you in minimum rates of 105 Euro per month in long 20 years (exception: you have applied for a loan request, which extends the repayment period). You must always pay these installments at the end of a quarter for three months by direct debit.

arrears

If you are defaulted and it lasts longer than 45 days, it can be expensive: you will then have to pay an additional six% interest on the TOTAL residual debt of your loan.

If you get back into arrears, the interest increases accordingly. Therefore, always check that there is enough money in your account for the payment of the payment.

What to do if something is wrong with the refund request?

It may happen that the Federal Administrative Office is mistaken, for example by issuing the refund notice too early, for example because it has not been informed of any changes in the promotion period.

In such cases, you may lodge a written objection with the Federal Administrative Office within one month.

repayment limit

If your BAföG funding has started after the 28.2.2001, you are lucky: you only have to pay your BAföG up to a total amount of 10.000 Euro.

Partial loan remission

Under certain conditions, you have the possibility to issue part of your BAföG debt.

However, you must apply separately to the Federal Office of Administration and justify this - within one month of receiving the refund notice. By the way: Basically, you can assert multiple remittances side by side.

1. Above-average performance

You may apply for a partial exemption if you are proof of the best 30% of the graduates in your exam year.

However, there are also some restrictions:
  • There is no partial exemption for a final examinations abroad
  • If you received your BAföG between the 01.01.1984 and the 30.09.1993, you can get between 25% of your BAföG debt depending on the student's time
  • If your promotion period has not ended until after the 30.09.1993, you must also have finished your studies in good time. You are then issued:
When?Amount of the decree
Within the promotion period25% of the BAföG debt
Within one semester after the end of the maximum period15% of the BAföG debt
Within two semesters after the end of the maximum period10% of the BAföG debt

2. premature end of studies

If you successfully complete your studies, regardless of your performance, at least four months before the end of the promotion period, you will receive 2.560 Euro if you have made it at least two months before the end of the promotion period.

3. early repayment

Saved money? Then you also have the option to cancel your loan in whole or in part before you start the installment payment.

There are some regulations to consider:

  • The discount will only be granted to you for the replacement of 500 €, but at least for 2000 €
  • Depending on how much you have to pay, the discount is between eight and 50%: the higher your debt sum, the higher the remission
  • In order to receive the highest possible remission, you should repay the entire debt before the redemption begins
  • However, you can also record the installment payment first and then cancel the remaining debt at any time. However, this reduces the discount accordingly.
  • A complete repayment before receipt of the refund notice is not possible.

4. Political persecution

If you can prove that you were the victim of political persecution in the GDR, and according to the 31. December 1990 BAföG, you can also apply for a partial exemption.

loans adoption

The loan is strictly speaking not a decree, at least not a final one. Much more is the postponed your BAföG repayment, one for each year, then you must again prove that you meet the prerequisites. If your circumstances suddenly change this year, you must inform the Federal Administration immediately.

Every year loan redemption is appended to the 20 years repayment period, but for a maximum of 10 years.

So, if you get a 5-year reprieve, you do not have to repay the BAföG until after 25 years. However, if you have obtained a reprieve for 12 years, you will get two years "free"!

Reasons for a loan are:

1. low income

If you averaged no more than 960 € per month, then you can apply for a "decree." By the way, this is just about your income, that of your spouse or even your parent is not significant.

This income limit is still increased if the spouse or children are to be supplied with:

  • 480 € for the partner
  • 435 € for each child

The low income must, of course, be proven by means of income or tax certificates!

2. raising children

Even if you care for a child up to ten years, or care for a handicapped child and earn nothing or little, your installment payment can be suspended. However, you can not earn more than 960 per month and work no more than 10 hours a week.

You must submit your birth certificate and a certificate of merit with your application. There are also child allowances for the child and the cost of childcare.

3. Repayment of the interest-bearing BAföG

You must also repay the KfW bank loan, including interest at minimum rates of 105 Euro, in long-term 20 years.

The repayment obligation begins six months after the end of the funding period. You do not have any remedies. However, premature repayment is also possible, but no rebate is granted.

You pay the money here not to the Federal Administration Office, but directly to the KfW Bankengruppe, which informed you before the start of the repayment the amount of the loan debt and interest, the respective interest rate regulations, the amount of the monthly payment amounts and the repayment period.

Further information on the repayment of the bank loan includes the loan agreement.

Repayment of BAföG and interest-bearing BAföG

If you have initially received normal BAföG, but then also a full interest rate BAföG, you have to pay back first the bank loan and then the state loan. However, you have an extended period of 22 years.

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  1. Sahra

    Great, important article in your blog, I will remember if I am ready with the loan repayment.

  2. Henry

    Hallo,
    great contribution, thank you for it!

  3. Christina

    I have received bafög for my Bachelorstudium and in 1,5 years I would have to start with the repayment. I'm thinking about whether I'm still a Master. For the Master, you can basically go to the 35. Year Bafög.
    How about the repayment? Does the maximum amount for the repayment still remain with 10.000 €? Even if you have already partially repaid? Or does it start again with 0? So you have to pay more than 10.000 € for the entire course?
    Thanks in advance for an answer!

    • Simone Janson

      Hello christina
      to be quite sure, I would ask here at the BAföG office or the Federal Administrative Office. Then you have a binding statement.

  4. Greg Morris

    Editor's note: Content of the comment has been deleted due to crawling.

  5. mark anderson

    Editor's note: Content of the comment has been deleted due to crawling.

  6. Robert

    Hello. I have moved to Bafög and Auslandsbafög (For my internship during my studies). I have now received from the Auslandsbafög my repayment certificate. I would be interested in whether the maximum sum of 10.000 € for both Bafögleistungen counts together or per itself alone and I have to tell the administrative office this explicitly? Does anyone have experience?

    Already times thank you for your help.

    • Simone Janson

      If in doubt, simply ask the Federal Administrative Office directly.

  7. Charli

    Thank you,

    I did not want to go there now, it is always associated with long waiting times ... but as I can take out of this article will only be paid back to 10.000 €.

    gruß

  8. Charli

    Hallo,

    as I understood, when I got from the 28.2.2001 Bafög, my loan sum for the repayment is at most 10.000 €?
    is it true? If I have eg 30.000 of Bafög gotten so I must pay back only 10.000?

    Ask for a short answer;)

    Thank you
    Charli

    • Simone Janson

      Hello Charlie,
      you can ask the Bundesverwaltungsamt again to be sure.

  9. Silke

    Hello together, Hello Simone,

    a few days ago my declaration and repayment notice fluttered into my house. I've saved a lot in the past and now I have the money to repay my BAföG debts in one fell swoop. Do I understand correctly that I now simply transfer the money (ie the reduced loan amount) to the Federal Office of Administration without having submitted an application? The decision is unfortunately not what happened after I have transferred. Do I get a payment confirmation or "Debt Free Confirmation"? Or do I just have to rely on it, that everything fits so well ?? To be honest, I do not really feel good about such high four-digit sums.
    Can someone, who has already the whole thing behind it, explain, how the procedure now expires?
    Many thanks in advance!

    Silke

    • Simone Janson

      Thanks for the question. Unfortunately I do not know anymore. Maybe just call and ask how to get the money confirmed?

      • Elisabeth

        Hello Silke and other readers,

        I have asked myself the same question, if I get a confirmation, if I just so without a request o.ä. the whole amount (ie the reduced loan sum).

        On the website I found the following sentence:
        "You will not receive automatic confirmation of your deposit of early redemption amount, we will send you a confirmation on request."
        (Http://www.bva.bund.de/DE/Organisation/Abteilungen/Abteilung_BT/Bafoeg/04_Rueckzahlung/Frage_Vorzeitige_Rueckzahlung/vorzeitige_rueckzahlung_node.html)

        Now, two weeks ago, I paid the money and did not actually hear anything.

        Best regards,
        Elisabeth

        • Simone Janson

          Hello Elisabeth,
          I mean from my own experience synonymous, that one automatically gets no confirmation.
          But if there is already "on request .." - what prevents you from expressing this wish?

  10. To

    Hallo,
    I have received both Bafög and KFW Kredit.
    I pay the KFW credit already since 2 years back and still runs until 2017.
    Now I got notice about the repayment of the Bafög, which is to be paid back from August.
    The plan was originally repayment of KFW Kredit and then Bafög with a one-time decree with complete repayment. As far as I know the zinlose Dahrlehn is subordinated, right? Should I now pay both at the same time, which is financially not possible?
    VG

    • Simone Janson

      Hello Till,
      maybe the office does not have on the screen that you are still repaying a KFW credit. I'd just talk to them.

      • Pia Siebert

        Hi all,

        a small question: if I have a KFW credit repayment, can I then automatically cause that I first the return and then the BAFÖG?

        I have still to July 2015 my KFW credit pay back and now also to start with the Bafögrückzahlung. Both together I can not really pay back, but my content is too low, my living expenses (alone the rent) but very high.

  11. Christian

    Hallo,

    I would have there also times a question to repay the loan.
    Following situation:
    - total loan debt about 14.500 €
    - - Partial Decree (25%) for good performance -3.625 €
    - - 30% Early Redemption Redemption -3262 €
    therefore makes a total repayment of 7.613 €

    However, if I opt for installment payments, the loan will cover 10.000 €.
    After the first installment, I now decide to repay the loan in one go. This should give me a discount of 27,5% (about 2.721 €). This would result in a total repayment of 10.000 € - 2.721 € + 105 € (first installment) = 7384 €

    So would not I be better advised to take this path exactly?
    Or do I understand something wrong here?

    Thank you.

    • Simone Janson

      Hello Christian,
      we can not offer advice here. As far as I know, there is always only one advantage. In case of doubt ask again at the office.

  12. Peter

    Dangerous punditry.

    The loan is not issued just because you deserve little.

    You only get a delay of one year.

    • Simone Janson

      Hello Peter,
      Thanks for pointing out: This is just as well in the text if you read it carefully - just as the fact is explained that the term loan cancellation is actually wrong. The term comes from the BAföG itself - § 18b partial remission of the loan. The inaccuracy was therefore practically dictated by the legislature.

      • Peter

        Hallo,

        You're right. Question: Do you know what proofs must be submitted if I have no income and are applying a postponement? I was never reported as unemployed.

        Best regards

        • Simone Janson

          The one with the missing unemployment report could be a problem. You have to live by something, the office will think. Perhaps also a confirmation of a tax consultant is accepted?

  13. Peter

    Good day,

    They write that you get a bill if you deserve too little. As far as I know, you have to pay for everything, you can only get a delay.

    What is right?

  14. Alexander

    Hello Simone,
    in November 2013 I got the refund notice. An application for partial exemption was made immediately. Still in November 2013 came the confirmation that the application was received. So far (06.04.2014) I have not yet received a notice from BAFög. Since I would like to cancel the whole sum in one fell swoop, I should have the decision by the end of June. In other forums I have also read that one is often without success awaiting the decision.
    My question: are there any fixed deadlines until the confirmed partial exemption? Or can I wait forever without Erfog?
    Thank you!

    • Simone Janson

      Hi Alexander,
      I do not know that, but why do not you just ask at the post office?
      Thank you

      • Alexander

        Hello Simone,
        I naturally called and asked. It was said, however, that the Federal Administrative Office has no influence on the audit offices and must wait just as long. However, I should then proceed as it is in the first letter and pay in time and wait for the Examination Office to react. Then the excess paid is refunded. I'm afraid that I will not get a partial reading (positive or negative). I have read such reports on the web a few times.

  15. petra

    I would like to repay my Bafög at once, to get the discount for it. I also applied for it in due time due to the short duration of my studies and very good performance. the review of this information supposedly takes a long time and therefore I should first only deduct the early payment rebate and otherwise pay everything. is that common? I'm kind of a little bissl afraid that my money is gone then :-(

  16. Paula

    Hello Simone,

    Since October I have been acquiring 2012 monthly 629 Euro BAföG and intend to marry at the end of this year. Because of the high income of my future husband I would no longer be entitled to BAföG benefits. Now I'm unsure if I have to repay right after our wedding, because we could "afford" us as a couple, so to speak, or do I still apply the period of 5 years after the end of the funding period? Is this possibly also dependent on the assets of my husband?

    Thank you so much.

    • Simone Janson

      Hello Paula, the repayment starts generally 5 years +/- after the end of the promotion high, as far as I know regardless of the family status.

  17. Ronja

    Hello Simone,

    I would be interested in whether the Federal Administrative Office may amend its decisions on the Bafög loan to be repaid after the Studentenwerk has failed to conclude the calculation of an authorization period. Do you happen to know something about it?

    • Simone Janson

      Hello Ronja,
      Unfortunately not. I unfortunately only offer this discussion platform, but I am not a BAföG expert. In addition there is the legal service law, which forbids me to advise on legal matters in individual cases.

  18. Sebastian

    Love Simone;

    I live and work in Chile, outside of Europe. Do you happen to know about the repayment procedure in such cases? Because I doubt that the SEPA direct debit procedure works with a Chilean account.
    Mfg.
    Sebastian

    • Simone Janson

      Unfortunately not. But it is to be assumed that a repayment is also possible by transfer, even if the case is somewhat more expensive. Otherwise times with the office contact, which can then tell exactly how they handle the.

  19. Martina

    Hello Simone,
    I have today also received the decision to repay the Bafög. Until the beginning 2008 I studied, but only three semesters. I had finished my studies. At the Bafög the maximum rate was granted, which is because my disabled sister lives with my parents. The study grant loan was issued to me. I fell back at the back, when I read the letter. I have thought that the Bafögdarlehen will also be issued. I have income, but I have a big monthly financing and this is still a long time. My parents can not give me the money. What am I doing now? Is there any way to apply for the Bafögdel loan?
    VG
    Martina

    • Simone Janson

      Hello Martina,
      well, why should you adopt that? The answer to your questions can be found in the article above: You can postpone BAföG repayment every year, eg because you have a low income. Speak times with the federal administration office about how your financing is calculated on the income.

    • Ronja

      Hello Martina,

      if the repayment is too expensive for you at the moment, you should definitely apply for a temporary exemption. More information:

      I've already got it through. You must enter your income for the last 3 months in this form: (income statement form) and provide proof of income or income.

      In addition, you must complete a written application. Maybe you can do this online:
      I had to fill out a form and send it by mail.

      I wish you success! For me, it worked without problems. But I would still be active immediately.

      • Simone Janson

        Hello Ronja,
        I find it great that you help each other. If you have your own experiences, you can also bring them a lot better.

  20. Karla

    Hello Simone,
    I have also received a few days ago the notification for the repayment of my books, which I got between 10 / 2009 and 02 / 2013. Since then, I have been awarded a credit from KfW. I am not yet finished studying. Is not that too early? I thought the repayment is only 5 years after the LAST payment due, so with me only from 2017?
    Best regards!

    • Simone Janson

      Hi,
      I remember that it was too early for me then. I would just make the Federal Administration Office aware of this fact. Maybe a simple mistake ...

  21. ckb_2004

    Hi all!

    Do you have an idea how long it takes until you get a reply letter when you have made the premature eradication?

    Thanks and LG

    • Simone Janson

      Hallo,
      I did that myself, but unfortunately I do not remember ... How long have you been waiting? What keeps you from simply asking nicely again?

  22. Sebastian

    Hello Simone,

    my maximum funding period has been 5 years ago and it is the repayment of Bafögs. I am, however, for my employer abroad ("on posting" means that's right) for the next 5 years, but must continue to have a registration in DE for operational reasons. I probably will not come back to DE after 5 years.

    How does it look in such a (special) case with the repayment?
    Does the income regulation also apply?

    • Simone Janson

      There are regulations about deferrals for low income, about regulations for work abroad, I know nothing. If in doubt, ask directly at the Federal Office of Administration - especially since we are not allowed to provide legal advice in individual cases.

      • A. Kübler

        Hello.

        I have just received a refund notice from the Bureau of Administration, the repayment starts probably already in October, the notice is from the 10.March! I could not be
        Write to. The letter was probably sent to an old address, although I had long since been reported to other addresses. I did not know then
        given, since I already directly to the responsible Bafögamt, for years, monthly installments pay, do not understand deshlab, from where now this demand comes ??

        Now I was also charged with the address search. Is there still a period of opposition of one month from receipt of this letter? I need synonymous then only 10.000 max. if I canceled my studies early?

        I am currently studying again and am currently dependent on my life partner. Since I do not have my own income, can I apply for a remission (will he be included in the calculation?) Or should I first lodge an objection, because of my already paid monthly rates to the local Bafögamt?
        Best Regards

        • Simone Janson

          Hello, unfortunately, we can not give legal advice in individual questions, since this prohibits the law service law.
          Maybe you can be helped here ww.studis-online.de/Fragen-Brett/list.php?1
          Or just consult a lawyer.

          • Nice

            Hallo,

            I have a question about the exemption from 1070 Euro. I earn more by night. Is the basic net salary or is an average value of several months calculated, since the salary varies widely per month?

            Kind regards

  23. Cornhulio

    My friend has no income and until now an exemption. Now we want to get married. Do I have to pay back my Bafög as a wife or can I continue to be released?

    • Simone Janson

      Hallo,
      as far as I know BAföG no HartzIV

  24. Maike

    Hallo,

    I wanted to know what happens when the 20 year is exceeded?

    Kind regards and thank you in the Vorraus

    • Simone Janson

      Hello Maike, I have found something here under point 7 - at the end of the repayment period, there are again more stringent conditions: http://www.bafoeg-rechner.de/FAQ/rueckzahlung.php?seite=3

  25. Thorben

    I used both Bafög and the Kfw study loan. Does the repayment of the Bafögs only begin after the full repayment of the Kfw study credit?

    • Simone Janson

      Hi Thorben, I would ask this directly from the BVA, which can also give a legally binding information, which we may not give under the law services law. In my understanding not - both things have nothing to do with each other, the money comes from different sources.

  26. Frank

    Hello Simone,
    as far as I understand, my income must be higher than my free allowance (including 2 children). If this is not the case, I can ask for a postponement. If this postponement 10 years lasts and I then because of my higher salary the freibetrag I can still then the more favorable immediate resolution apply or do I then have to pay in the prescribed rates (so everything)?

    • Simone Janson

      Hello Frank,
      as far as I remember Instant Resolution & Partiallass only with early payment. If you have time, you must pay everything. For security, please ask again at the Federal Administrative Office, am no expert.

  27. Evelyn

    If you can not do it for any reason, you have to pay 100%. Whether you can pay back in advance, you can ask the Bundesverwaltungsamt in Cologne.

  28. Beyza C.

    Hello Mrs. Janson,

    I am currently bafög and am in the 2. But I would like to cancel my studies because it is too difficult for me.
    I can pay the repayment directly (if so with how much%) or I have to wait 5 for years and then only pay?

    • Simone Janson

      What is to be used against 5 years repayment period? Invest money well, get interest - and then repay?

  29. Evelyn

    Hello Mrs. Jansen,

    I have a question with the Bafög - repayment. I've already got a decision, but pay off my KFW loan until May, then it's time for the student loan. I would say that you can NOT say exactly when, the Bafög repayment is due, because only if I have safely paid back the KFW, you could tell me ...

    I know, however, that I did not pay with the installments, or suddenly will not pay anymore, so I'm sure finished in May.

    Do I have to pay back immediately in May, or is there again a time limit. Is there such an experience?

    That would help me a lot, because you want to plan a bit already ...

  30. Olli W.

    Hello Mrs. Janson,

    In the coming year, I will be able to repay my remaining debt (reduced by about 6000 Euro) at once. The latest payment date is the 31. Called January. But I have the money probably only mid or late Fabruary "liquid". Is the delay of max. 45 days too? Or are the BVA nervous when on the 2. February there is no cash receipt? I would reluctantly postpone this further and make no new application for April. Thank you very much!

    • Simone Janson

      Hello Olli,
      I would simply ask for security directly at the BVA-

    • Evelyn

      If you want to repay prematurely this must happen before the actual repayment period. Otherwise, the reduced amount does not apply, even if you want to delete at once! If shortly thereafter the money has it is possibly the money before to borrow, because one saves usually a lot thereby! Are you over there you pay the full restbetrag!

  31. Mandy P.

    The question formulated similarly, I have asked a comment above! As it stands, there is no special regulation and the same regulations as described in the law apply. So 5 years after the promotion period (eg for the Bachelor 3 years or Master 2 years, no matter whether previously canceled or not) you get the refund payment certificate via the non-interest-bearing loan (grant is given). The split is on the BaföG notice on the first page.

  32. Tobias

    Hello.

    What happens when I refer to Bafög and then do not create my studies.
    Is funding a successful conclusion? Are there regulations in the Training Act? A friend of mine is just before your last try and if she does not fly she flies out of the study. Since she has always been struggling to go to school, she now asks herself this question because she might want to start a training course.

    Regards

    Tobias

  33. Mandy Poroshin

    Hallo,
    I did my studies after the 4. Term canceled and go back to work. The 4 semester, I have received the parent-independent BaföG-top rate. Do I have to return the BaföG completely (since study is not finished) or do I get a decree? Does the limit of 10.000 Euro apply to me?
    Thank you very much. Bye

    • Simone Janson

      Love Mandy,
      Your questions about the reasons for a loan and the limitation on 10.000 Euro are described here. Look for yourself:

      • Mandy Poroshin

        Thank you for the hints! I had read a lot before. There is unfortunately nothing to stop the study. Everything applies only to completed studies. Or does it matter whether you close or not?
        lg

        • Simone Janson

          Well, as far as I know, this also applies to an aborted study.

  34. mr robort

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  35. marina

    Hello Simone,
    I have just received my repayment certificate. The first installment I should pay out in December.Bin just pregnant and work until the end of October, after that I'm unemployed and get no maternity gel. What should I do in the case?
    Thank you

    • Simone Janson

      If you can not afford the money, you can leave the payment for hours. Just ask the Bundesverwaltungsamt.
      SJ

  36. Simone Janson

    Hello Andre,
    I can not tell you because I do not know how that is calculated.
    I would simply ask the Bundesverwaltungsamt.
    gruß
    Simone Janson

  37. Simone Janson

    Hello Andre,
    Of course, if you repay everything at once, you will save money - up to a few thousand Euros.
    But how much you save exactly, I can not calculate you.
    Here I have a nice article with calculation examples found at the Stiftung Warentest - is indeed of 2005, but the paragraph in question 18, paragraph 5 in BAföG does not seem to have changed.

    In case of doubt, you may also be able to help the Federal Administration to calculate how much you would save.
    gruß
    Simone

  38. Other

    Hello Simone,

    I think I could not make you aware of what I wanted to know at all.

    My real question was: Is it possible, if I immediately repay everything, I only save 425,31 €. If I pay the rest amount next year, I save 2228,70 €.

    That would be great, but I am not logical

    Many greetings André

    • Ulrike

      Hello Andre,

      and? Did it work out? Are you going to save on the start with installment payment and subsequent large one-time to a larger savings than with the one-time payment without installments? I would be really interested. Theoretically, then that would be a double discount.
      I have the same durchgerödelt with my loan portion of approx. 10.500 €, but with me the payment remains unbeatable in one fell swoop.

      Hopefully you can read it here at all and look forward to the answer!
      Best Regards
      Ulli

  39. Other

    Hello Simone,
    I have just received my refund. The loan amount is 15319,50 €, which means I have to pay off 10000 € with installment payment. In the immediate payment I would pay 9574,69 €, so just a saving of 425,31 €.

    Now, however, I read the sentence: "Redeem a partial amount after you have already made the repayment, the payments made so far on loans for training periods under 28 / 02 / 2001 to the total repayment amount of 10000, - € for this loan taken into account. "

    I understand this so: Suppose I start the repayment of the loan quite normal with the usual 315, - € in the quarter. After one year I already deleted 1260, - €. Stay still 8740, - € left. If I now pay the entire residual debt at once, there is a discount (between 8500, - and 9000, - €,) of 25,5%. For 8740, - € would be a proud sum of 2228,70 €.

    So the saving would be significantly higher than if I would pay off the loan immediately.

    Or do I just have a thought-failure?

    Thanks in advance for the reply
    Andre

    • sven

      Have you ever asked BVA? I am similar and I would like to know whether a partial release in the repayment phase brings more.

      Regards,
      Sven

  40. Simone Janson

    Hello Karsten,
    seriously: I do not think there is an order. The debts are also not diminished by postponing repayment.
    It seems to me most sensible to go to the debt counseling:

    Greeting Simone Janson

  41. Karsten

    Hello Simone Janson,

    I have canceled my studies after 3 semesters and started a training, because I could not have switched to the actual course after 3 semesters.

    I've been unemployed ever since, or have earned so little in training and internships that I could not have paid back anyway. In addition to the good 4000 EUR Bafög arrears, I also have other debts, such as JobCenter and private individuals. Now I have found a job a month ago, where I will make between 950 and 1050 EUR net and now is the general question: What is the importance of the Bafög? Do you have to repay Bafög now or only the debts to the JobCenter and can one adjust the amount of the repayment rates or remain firm? If they were lower, I would be able to start with the repayment already.

    Thank you for the time you take here!

  42. Simone Janson

    Hi Andres,
    yes, this maybe had been usefull ... you see, there are a lot of conditions, regarding all the personal circumstances, which I even do not know.
    If you are a student, you can be a student, or a student.

    So I really think you should ask for a personal council, which is even free on the universities.

  43. Andrew

    Well, I think I must say I have been living in Germany for a long time. my mother is German and my father is German, I am a student. well thanks anyway for your time.

  44. Simone Janson

    Hi Andres,
    You can find the conditions of getting BAföG as a person from a foreign country here
    (2 if you are from EU-States, 3 for other countrys).
    http://www.bafoeg-rechner.de/FAQ/bafoeg-fuer-auslaenderinnen.php

    If you are looking for a job in Germany, you have to go to a German school in Germany. If you think that you are a fullfill, you should ask for a personal council at the University of your choice (eg Ausländeramt or BAföG-Amt). Than for a Master it's still more complicated, usually you just get a credit which you have to payback fully.

    There is even this forum: http://www.studis-online.de/Fragen-Brett/list.php?1

    Unfortunately I can not give you any more information.
    Good luck!

  45. Andrew

    Hello, I am a man with a good sense of humor. I would like to be a part of my life to know how to apply to the bafoeg, which are requirements, interest payable, if you have to pay a look at the career of study, as is the amount of loan, etc bafoeg first to study the language and once again. Thank you.

  46. Andrew

    Hello Simone Janson, I would first like to congratulate you for this great post to congratulate all the doubts of the bafoeg.bueno. Quisiro chemical and a master's degree in Germany, but first I would like to know how to apply the bafoeg, what are the requirements, interest rates when you begin to pay a look at the career of studying, as well as the amount of the loan, etc , others is certainly not much German, and if I could apply bafoeg first to study the language and once the language could be learned back for the Master BAföG. Thank you.

    • Simone Janson

      Hello Andres, I have not understood your question unfortunately. Perhaps you could formulate them in English? Thank you!

  47. Andrew

    hello simone janson, primero quiero felicitarte por este gran aporte a todas las dudas acerca del bafoeg.bueno soy ing. químico y quisira hacer una maestría en Alemania pero primero quiero saber como aplicar al bafoeg, cuales son los requisitos, los intereses a pagar, duda es que no se mucho el alemán y si podría aplicar bafoeg primero para estudiar el idioma and una ves aprendido el idioma podría de nuevo aplicar bafoeg para la maestría. gracias.

  48. Simone Janson

    Hello Denise,
    look here, there is even a calculator. http://www.bafoeg-rechner.de/FAQ/rueckzahlung.php?seite=2#p5

    In general, I recommend you for BAföG questions this site because I am simply not a BAföG expert and can not answer any legal questions.

    gruß
    Simone

  49. Denise

    Hallo,
    I have a question about the early repayment. I got about 9500 Euro Bafög at that time, if I want to pay off prematurely then I would have to transfer the complete 9500 to the Bafög office or deducted the estate and only the total estate required, because that would make things a little easier. Thank you, greetings Denise

  50. Simone Janson

    Hi Rene,
    Thank you for your comment and your research. I can recommend the of the linked site BAföG calculator and the forum there only!

  51. Kidney

    Hello everyone, as I have written the above text should be correct. Property on further sides (http://www.bafoeg-rechner.de/FAQ/rueckzahlung.php?seite=2#p5 - repayment calculator) this important information still found, which confirms my opinion.
    Excerpt:
    "If you pay back in installments, you only have to repay 10.000 € in total, but the rebate calculation assumes your total debt (= loan share as stated above)."
    "IMPORTANT!
    Also, the rebate for repayment in one fell swoop must first be requested. Alternatively, the repayment of a partial amount is possible - please inquire with the Federal Office of Administration, then how is the discount. "

    Many greetings René

  52. Kidney

    Hello Simone, I read very tense this blog, but unfortunately I have not found any information on the following topic yet.
    My claim for reimbursement shows a sum of 11900 €. In the case of a one-time repayment, an amount of 8160 € applies to me according to the table (for rebate rates with advance rebate). If I now pay in installments, the limit amount is set to 10000 € according to §17 Abs. 2 S. 1 BAföG. That's right, right? But how are the amounts between the 500 € steps fixed and what would be if the decision had more than 18000 €? In the case of a one-time repayment, the one-time payment is 10530 € and with installment payment max. 10000 €. Since everyone would voluntarily not immediately but in installments pay off. Thanks for a quick confirmation. René

  53. Simone Janson

    Hello Ade,
    I can unfortunately no Spanish, but I've tried it with Google Translator. You're talking about the bank loan, right? As stated in the text above: There are perks when you are done faster. Otherwise, nothing is known to me, but I am also not a BAföG expert. And I can not do legal advice in individual cases.

    Regards
    Simone Janson

  54. Ade

    hola Simone, pedi la beca para poder hacer un master (2 años) en Bochum. Me queda por escribir la tesis final (Master thesis). el problema es que llevo, trabajando desde hace, practicamente un año y no encuentro ni el tiempo ni la ganas para finalizarlo, puesto que ademas tengo un buen puesto de trabajo. ¿El pago de la deuda es dependiente de acabar los estudios ?, me refiero, a que si ¿debo pagar mas por no terminar el master ?.
    Thank you very much

  55. Mandy

    Hallo,

    but today received the Bafög repayment fee only for the foreign country and not for the domestic fare. Actually, I would have expected next year, since I only end 2007 my last Bafög received. I have also thought that domestic and foreign tickets will be counted together and I will get a single notification of the whole amount. It is also about the maximum repayment amount should not be higher than 10.000 €. But if you separately calculated this 10.000 € significantly exceeded. How is it correct? Can someone help me?
    Thanks, Greetings
    Mandy

    • Simone Janson

      Hi Mandy,
      unfortunately that is very special. Yes, and also the Federal Office of Administration is not infallible ...
      ask nevertheless times here after: http://www.studis-online.de/Fragen-Brett/list.php?1

  56. Simone Janson

    Hello Julia,
    In case of doubt at your university or the examination office? Perhaps also the website of your university hints to this as here?

  57. Christmas

    Hallo,
    had also received my refund and the following questions:
    - How and where do I experience that I fulfill the following requirements:
    a) According to the results of the final examination passed by 31.12.2012, they are among the best 30% of all examiners who completed this examination in the same calendar year

    Thank you very much

    Juliae

  58. Simone Janson

    Normally comes to my knowledge as a letter from the Federal Administration. But if the Office is testing it now, everything is all right.
    www.studis-online.de offers a BAföG computer. There is also a fairly lively community on the topic.
    S. Janson

  59. Gordon

    Hallo,

    I am now after my education (end 07 / 2007) BAföG pay back.
    I'm assuming a calculation error. I have been in contradiction and the Office is now investigating this.
    I read that you get a "determination and repayment notice" from the Federal Office of Administration in Cologne, in which the sum of the recovery is also.
    Up to now, I have received only updated notifications (by formal notification), and the remaining claim under point D (grant / public-sector loan (non-interest-bearing)) no. 60. Both the decisions and the letter come however from my regional BAföG place. Is there a letter from the Federal Administrative Office?
    I moved two before. The BAföG office has found my new address and sent it to you. Then maybe the Federal Office of Administration has not yet my new address?

    Can you recommend an independent BAföG computer or are there legal entities which can also calculate the repayment?

    Best regards

    Gordon

  60. Simone Janson

    Hi Anna, Actually, the Federal Administration Office is sometimes too early - at least I have already heard from friends. Normally the repayment starts as above after 5 years. Personally, I would now think that this runs independently of BAföG, but can give no more accurate information, may also make no legal advice under the Legal Services Act.
    Either way you have to turn to the Federal Administration, as you can probably help you better.
    gruß
    Simone

  61. Anna

    Hello Simone!

    During my studies, I received BAföG and then the bank loan. Although my financial situation does not allow it, I currently pay the bank loan in monthly installments of 140 €. Now the Federal Administration informed me that I should start with the repayment of the BAföG. Although I have been infromed by the fact that I am able to make an application for an exemption from the repayment obligation because of my financial situation, I thought that you have to pay off the bank credit before you start repaying the BAföG.
    So I'm a bit confused. Has the Federal Administrative Office been wrong? Can the Federal Administration now demand repayment? And what should I now apply for or communicate to the Federal Administrative Office?

    Kind regards
    Anna

  62. Simone Janson

    Hi Janine,
    Well, there is a discount, if you have studied very well, so successful and fast - rather not for the opposite ... As for the repayment, the Federal Administration Office reports after a time. Of course you can call there and ask for earlier repayment.
    gruß
    Simone Janson

  63. Janine H.

    Hallo,

    I finished my studies after 3 semesters and started a training and successfully completed it.

    Until now, I have not received any notice for repayment, but as I would like to study again, I would like to repay the already received BAföG. Can I apply for it and do I get a discount even if I have not finished my studies?

    Best regards

    Janine

  64. Simone Janson

    Hello Christiane,
    Here you can download the corresponding forms:
    You always need to download the trade mark of the Federal Office of Administration. If necessary, ask again - they can tell you exactly what you need from you.
    gruß
    Simone Janson

  65. Christiane Saar

    Hi Simone,
    I got my refund notice a few days ago. I have been slightly employed since I finished my studies abroad and therefore I want to apply for a loan. Are there any forms to complete or how is the procedure?
    Thank you for your help.

  66. Yvonne

    Hallo,

    I have today got my claim for reimbursement and I have times a few questions:
    First of all, they have settled for the claim sum, how do I proceed there?
    Then issue the reimbursement of the entire amount only slightly over 500 € and no 50%, but only about 15% Is there a room there, since I thought you get 50% discount!
    The last question for the time being, I got 2 children during my studies and studied 4 years, so 8 months longer than the normal funding maximum. Can one have this credited somehow and so the study time for a reduction "shortened" calculate?

    First of all thank you for answering my many questions!

    • Simone Janson

      Hello Yvonne, I can unfortunately only general information about the process, which is what is in the text. I am not allowed to answer questions about individual reimbursements because of the illegal legal advice.
      Maybe the Studentenwerk can help?
      gruß
      Simone Janson

  67. Red

    edit: This comment has been deleted. No advertising for credit offers!
    Simone Janson

  68. Simone Janson

    Hi Miriam,
    Well, how much is forgiven on early repayment is set by law. So you have to change the law before :-)

  69. miriam

    Can one also "negotiate" with the Federal Office of Administration? I would like to repay my loan at once (before the repayment start) and I would like to offer them less (less than the amount that they give for early repayment), because in the next few years I will have no income (parental leave / pregnancy).
    A bit after the motto "Take this now, or wait a few more years ..".
    Thank you.

  70. Simone Janson

    Dear Mrs. Felix,
    Sorry for the late reply - I fished your comment out of the spam folder.

    Your questions are answered at the top of the text:

    - in the second section
    and under
    - How and how long is paid?

    Please note that I am not allowed to provide legal advice for individual cases. Should you have any further questions, please contact the responsible BAföG office.

    • Mr. Jonathan Tribbett

      Edit: Comment deleted due to unfair advertising.

  71. Elke Felix

    The BaföG must be repaid within 20 years. I would like to know when the deadline starts and when the 20 years end. I found an indication that the deadline of 20 years begins with the end of the promotion period / end of the study.
    Others say that on the deadline of 5 years, which are optional, the 20 years must be added. Then it would be a total of 25 years.
    What is right?

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