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µþ´¡´Úö³Ò, Student Loans & Education Funds

All the information you need on µþ´¡´Úö³Ò, education funds, and student loans – for a smart study experience!

Student Financing Made Easy: Your Options at a Glance

Studying opens up many opportunities, but financing your education can be a challenge. Rent, semester fees, and living expenses add up quickly – making it essential to explore the right financing options. Whether µþ´¡´Úö³Ò, an education fund, or a student loan, there are different ways to finance your studies, each with its own advantages and conditions. While µþ´¡´Úö³Ò offers government support with favourable repayment terms, an education fund provides flexible financing linked to your future income. Student loans, on the other hand, can be a quick and straightforward way to bridge financial gaps. Find out which financing option best suits your personal situation and what factors to consider when making your decision.

µþ´¡´Úö³Ò: Your Path to Financial Independence While Studying

Studying can be expensive – but don’t worry, µþ´¡´Úö³Ò helps you finance your education. Here, you’ll find out what µþ´¡´Úö³Ò is, how to apply, and how much support you could receive.

µþ´¡´Úö³Ò stands for the Federal Training Assistance Act in Germany. It is a government-funded financial aid scheme designed to make higher education accessible to all students, regardless of their financial background. The amount of µþ´¡´Úö³Ò funding depends on various factors, including parental income. It is a key financial resource, particularly for students who are unable to earn sufficient income through part-time jobs or those planning an expensive semester abroad.
Students at ºÚÁÏÍø University of Applied Sciences are generally eligible for µþ´¡´Úö³Ò, regardless of whether they are pursuing a Bachelor’s, Master’s, or MBA programme. µþ´¡´Úö³Ò applications must be submitted through the Cologne Student Services (Studierendenwerk Köln) via the Federal Office of Administration (Bundesverwaltungsamt). Since ºÚÁÏÍø’s main campus is in Cologne, this student services office is responsible for all ºÚÁÏÍø students, no matter which campus they attend. The decision on financial support is made individually, based on factors such as income, assets, and family circumstances.

For more information and to access the online µþ´¡´Úö³Ò calculator, visit the website of the Federal Ministry of Education and Research.
The exact amount of µþ´¡´Úö³Ò you receive depends on your personal financial situation. Factors such as your own income, parental income, spousal income, and personal savings all play a role. To get an estimate of your potential funding, you can use the µþ´¡´Úö³Ò calculator, available online on the Federal Ministry of Education and Research’s website.

What is µþ´¡´Úö³Ò?

Where can I apply for µþ´¡´Úö³Ò?

How much µþ´¡´Úö³Ò am I entitled to?

Student Loans: Flexible Financing for Your Academic Future

Not enough savings for your studies? A student loan can help finance your education while offering flexible repayment options. Find out what choices are available and what to consider.

A student loan is a special type of loan designed to help students cover living expenses and tuition fees. Unlike µþ´¡´Úö³Ò, a student loan is not dependent on parental income and is typically paid out in monthly instalments. Repayment begins after graduation, often with flexible terms.
Student loans are offered by various institutions, including:

KfW Bank (state-backed KfW Student Loan)

Private banks and savings banks

Foundations and educational institutions

Certain federal states with their own support programmes
The exact conditions vary depending on the provider, but common requirements include:

Enrolment at a recognised university in Germany

Age usually between 18 and 44 years (for KfW loans, up to 44)

German or EU citizenship, or residency in Germany/EU

Credit check or guarantor (especially for private banks)

What is a student loan?

Who provides student loans?

What are the eligibility requirements for a student loan?

Education Funds: Financial Support Without a Debt Burden

Study without financial worries – with an education fund, you only start repaying after graduation, based on your income. Learn how this model works and whether it’s the right option for you.

An education fund is an alternative form of student financing, providing financial support during your studies without immediate repayment obligations. Instead of a traditional loan, the fund covers tuition fees or living costs, with repayments based on your future income after graduation.
ºÚÁÏÍø University of Applied Sciences partners with Brain Capital to offer the Income Share Agreement (ISA), also known as the Reverse Generational Contract (UGV). With this model, students’ tuition fees are fully or partially covered during their studies, reducing their financial burden. Repayments only begin after graduation, once a minimum income threshold is reached.
After graduation, you repay a fixed percentage of your income to the ºÚÁÏÍø education fund. The repayment amount is directly linked to your salary – if you earn less, you pay less (or nothing at all). This flexible and fair system ensures that students receive high-quality education without financial strain, while also supporting future ºÚÁÏÍø students.

What is an education fund?

What type of education fund does ºÚÁÏÍø offer?

How does repayment work for education funds?

Which study financing option suits you best? 

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