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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, they receive a notice of recovery and repayment, in which the amount of the loan as a whole and the amount of the repayment installment are determined to be binding. At the same time you will be informed about the due date of the first repayment installment.
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.
For if the office has to determine your address or you can not find it at all, it can be costly for you - in the latter case the BAföG debt is increased by default of payment.
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.
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 Office of Administration is mistaken, for example by issuing the repayment notice too early, for example because it was not informed about changes in the maximum funding period.
In such cases, you may lodge a written objection with the Federal Administrative Office within one month.
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
You have the option under certain conditions to get 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 maximum funding period||25% of the BAföG debt|
|Within one semester after the end of the maximum period||15% of the BAföG debt|
|Within two semesters after the end of the maximum period||10% 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.
The loan is strictly speaking no decree, at least not final. Much more your BAföG repayment is only postponed, in each case for one year, then you have to prove once again that you meet the requirements. If your circumstances this year suddenly change, you must notify the the Federal Office of 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 deferment for five years, you don't have to pay back the BAföG until after 25 years. If, however, you have been deferred for 12 years, you will get two years "free"!
Reasons for a loan cancellation are:
1. low income
If you do not earn more than € 960 net per month on an annual average, you can apply for a “waiver”. Incidentally, it is only about your income, that of your spouse or even your parents is not decisive.
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 Office of Administration, but directly to KfW Bankengruppe, which has informed you before the repayment of the amount of the loan debt and interest, the current interest rate, the amount of monthly payments and the repayment period.
Further information on the repayment of the bank loan is contained in the loan agreement.
Repayment of BAföG and interest-bearing BAföG
If you have first received normal BAföG, but then additionally a full-time BAföG, you must first repay the bank loan and then the state loan. But then you also have an extended period of 22 years.
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