Financing your Studies

Financing your Studies

It is only possible to enjoy the years of study under the condition of secured finances. Usually, full financing by parents or relatives is not possible or even desirable.
Fortunately, there are several ways on how to finance your studies. At this point we would like to present the following three options:

Please note that not all options apply to every student. Especially for international students, many factors must be considered in terms of funding. Before you take a specific financing possibility into consideration, you should get informed regarding the pros and cons carefully.

Grants

students learning together

In general, it is not so easy to attain a grant. In Germany - a land without noteworthy tuition fees - scholarships are even more difficult to find. Nevertheless, there are numerous possibilities to attain grants for international students studying in Germany.
Thus, stay tough and apply for a scholarship!
Usually, the various providers expect their beneficiaries to fit a certain profile. This mostly entails having a record of outstanding academic achievements and social commitment. Sometimes they also desire a certain view on religion or politics.
We will gladly inform you about ways of searching for grants, the different databases listing available grants and current offers - however it is extremely important that you use your own initiative, just like when you are searching for a job!

German Academic Exchange Service DAAD ↓

The DAAD (Deutscher Akademischer Austauschdienst - German Academic Exchange Service) is a German organisation providing funding opportunities for German students studying abroad as well as for international students studying in Germany. Usually, the students' promotion starts with the Master phase. However, there are possibilities to get funds for a short stay or special projects too.
You may find more information by the DAAD Database for grants. We recommend to seek for scholarships very early (about one year in advance)!

read more


Deutschlandstipendium - Scholarship Fund of RUB ↓

The so-called Bildungsfonds of RUB supports students who are perfoming outstandingly and are being involved in a social way by funds of 300€ monthly for a period of 12 months max. Bildungsfonds is also known as Deutschlandstipendium and addresses to international students at RUB too!
The faculties and the Rectorate are responsable for the selection which takes place annually in the beginning of every winter semester. The application deadline ends usually in May or June every year. The application will be carried out online.

read more


Foundations ↓

In Germany there are numerous foundations with different orientations. Many foundations offer scholarships for students with a similar focus. The motivation is often based on political, religious or scientific reasons.
Detailed information, application requirements and deadlines can be found online.

read more


International Office Scholarships ↓

The International Office manages grants funded by DAAD. These scholarships address international degree seeking students of RUB exclusively.
Students who are close to graduation, may apply for Graduation Grants every semester. Students standing out through special social commitment may apply for Scholarships for especially committed students every year.
Detailed information and application requirements and deadlines can be found online.

read more


Back to the top


BAföG

Woman at CulturCafé

Financial support payments made under the Federal Education and Trainings Assistance Act (Bundesausbildungsförderungsgesetz – ‘BAföG’ for short), are provided in the form of government loans for the purpose of helping students from low-income families finance their studies. Students only have to pay back half of the money and no interest is charged. International students are only eligible to receive BaföG in exceptional cases. At RUB you can turn to AKAFÖ for information about requirements and regulations for international students:

Students from EU member states ↓

Students from EU member states may have the chance to obtain BAföG under the following conditions:

  • Students (or their parents/spouse) who are permitted to take up permanent residence in Germany for the purpose of searching and attaining work, in accordance with the freedom of movement regulations set out by the EU
  • Students who have been employed in Germany for at least 7 months and were made redundant from their former job through no fault of their own
The allocation of BAföG to international students is carried out according to §8 BAföG and is very complicated. Thus, please get more information by Ms Wenski from AKAFÖ regarding a potential application and its conditions.


Students from non-EU member states ↓

Students from non-EU member states may have the chance to obtain BAföG under the following conditions:

  • Students residing permanently in Germany with one parent holding a German passport.
  • Students residing permanently in Germany, with at least one parent who has been living in Germany for the past 6 years and been employed there for at least three of these (the time of 3 years will be reduced to 6 months if the parent was prevented from taking up further work due to any of the following reasons: incapacity for work, entitlement to unemployment benefits or unemployment assistance, motherhood, further training etc.)
  • Students who can prove that they have earned a living in Germany for 60 months (excluded from this are part-time jobs, jobs carried out during holiday times and training courses).
  • Waifs, refugees, those entitled to asylum or students protected from deportation may apply for BAföG as well under certain circumstances
The allocation of BAföG to international students is carried out according to §8 BAföG and is very complicated. Thus, please get more information by Ms Wenski from AKAFÖ regarding a potential application and its conditions.


Back to the top


Student Loans

Several German organisations offer loans which are especially suited to helping you finance your studies. These loans, along with the interest, must be paid back in full after graduation. Some student loans are also available for international students, but usually only under certain circumstances!
Please keep in mind that there are often possibilities to take a student loan in the respective home country too. You will find more information by autonomous research on the internet.

Student Loan from KfW Bank ↓

KfW-Bank offers long-term student loans on favourable terms. If necessary, international students may apply for a student loan in Germany under the following conditions:

  • Family members of German citizens residing in Germany
  • EU citizens who have legally been residing in Germany for at least the last three years on a continuous basis, or family members of such an EU citizen residing in Germany
  • so-called ‘Bildungsinländer’ – educational residents (students with non-German nationality, who have acquired their higher education entrance qualification in Germany or at a German school abroad)
The allocation is carried out by KfW-Bank and is very complicated. Thus, please get more information by Ms Wenski from AKAFÖ regarding a potential application and its conditions.

read more


Educational Loan ↓

An educational loan is part of a credit programme by the Federal Government which enables short-term and additional financial support to students close to graduation. International students may apply for an educational loan under the following conditions:

  • if they are married to a German citizen at the time of application
  • if they are the child of a German citizen or an EU citizen possessing the right of permanent residence in Germany
  • if they hold a settlement permit
The allocation is carried out by KfW-Bank and is very complicated. Thus, please get more information by Ms Wenski from AKAFÖ regarding a potential application and its conditions.


BAföG Bank Loan ↓

Both German and international students are entitled to receive this loan, in accordance with §8 BAföG (see the chapter "BAföG"). The BAföG Bank Loan supports those students who either exceed the standard period of study, wish to prolong their studies or pursue in-depth studies or additional, postgraduate study. The monthly sum provided is determined by the Office for Educational Support (Amt für Ausbildungsförderung) responsible for allocation. Thus, please get more information by Ms Wenski from AKAFÖ regarding a potential application and its conditions.


Back to the top