Repay BAföG loans
If you are studying, you will only receive half of your BAföG as a grant. The other half is paid as an interest-free loan that you have to repay. You will receive the request from the Federal Office of Administration for this about 4.5 years after the end of the standard period of study.
No matter how high your BAföG loan is, you must repay a maximum of EUR 10,000. For those who have received BAföG funding for the first time from 01.08.2019 or later, a maximum of 77 monthly installments of EUR 130.00 each must be repaid (in total, i.e. a maximum of EUR 10,010; income-dependent repayment installments reduced on application count as full monthly installments, so the total repayment amount can then also be lower, even if a total of more than EUR 10,010 has been paid out as a loan).
If you want to pay at least EUR 500.00 before the start of the repayment period, you can receive a discount and have to repay less. You will receive the greatest possible discount if you pay the full sum in one fell swoop before the start of the repayment period.
In principle, you do not have to pay any interest on the BAföG loan and have up to 20 years to repay.
- The amount of the monthly repayment installment is EUR 130.
The installments are paid every 3 months in the amount of EUR 390. In the case of low income, you can apply for a postponement of the repayment obligation of your BAföG loan or the payment of lower installments ("income-dependent repayment"). If you pay a rate over 45 days too late, reminder fees and interest will be charged.
At the end of the repayment period of 20 years, the Federal Office of Administration automatically checks whether the remaining loan debt can be waived. You can be released from the residual debt if you
- have received BAföG funding with a loan share for the first time from 01.08.2019,
- were not financially able to repay the BAföG loan in full and
- have fulfilled your payment and cooperation obligations during the entire repayment period.
Process flow
You can repay your BAföG loan in writing or via online procedure:
Written procedure:
- About 4.5 years after the end of the standard period of study of your first BAföG-funded course of study, you will receive a letter from the Federal Office of Administration, the so-called "Assessment and Repayment Notice".
- The letter informs you about the amount, when and how exactly you have to repay the BAföG.
- It also contains an offer for early repayment of the BAföG loan and informs about the highest possible discount you can receive.
- Please fill out the direct debit authorisation form and send it back to the Federal Office of Administration. The installments are then debited from your account every 3 months via a SEPA direct debit mandate.
- If you have exceeded a payment deadline by more than 45 days, interest will be charged. From this point on, 6 percent interest will be charged annually on your remaining debt. This interest is valid until full repayment of the outstanding amount.
- Please remember to notify us immediately of any changes to your name or address. This avoids costs for determining your address (EUR 25).
Online procedure:
- Go to the BAföG online portal of the Federal Office of Administration and register there.
- After registration, you will receive a confirmation by e-mail. Follow the steps in the email to complete the registration.
- After the registration was successful, you can log in with your e-mail address and password. In the portal you will find all essential forms concerning the repayment of your BAföG loan.
- If you log in with the electronic identity card, more functions are available to you.
For example, you can view your current loan remaining debt as well as your current payment plan.
Requirements
- You received BAföG with a loan share during your studies
- You have not exclusively received an interest-bearing BAföG bank loan, as it was granted until 31.07.2019, for example, for the graduation assistance
Which documents are required?
None
What are the fees?
none
What deadlines do I have to pay attention to?
Receipt of payment on the account at the Bundeskasse Halle:
- no later than 15 days after payment date to prevent dunning costs
Note: If your deposit has not yet been received in the account at the Bundeskasse Halle after 45 days, you must pay late interest.
Processing duration
not applicable
Legal basis
Ordinance on the Confiscation of Loans Granted under the Federal Training Assistance Act (KreditsV)
Applications / forms
Forms: none
Online procedure possible: yes
Written form required: no
Personal appearance required: no
Appeal
Within one month of notification, you can lodge an objection to the established amount of the loan debt or against the fixed maximum funding period at the Federal Office of Administration in Cologne against the determination and repayment notice. The objection must be justified by you, i.e. contain information as to why you do not agree with the decision of the Federal Office of Administration.
Author
The text was automatically translated based on the German content.
Technically approved by
Federal Ministry of Education and Research (BMBF)
Professionally released on
