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Financing your studies

Invest in your future

Studying at a private university offers many advantages and is a worthwhile investment in your future. Find relevant information on how to finance your studies at SRH Campus Hamburg here.

Your funding options

Education funds, student loans, BAföG or scholarships – there are many ways to finance your studies. We have compiled the most relevant information to help you choose the right financing option for you. Additionally, you can also contact our student advisory services for details on financial support.

How much money will you need each month?

Our partner DeineStudienfinanzierung.de will help you calculate your monthly financial needs. Find out which financing options are available to you along with the actual amount you're eligible for. If you have any questions, a personal finance expert is always available and will guide you through the process until the money is in your account.

What is BAföG and how do you receive it?

BAföG (Berufsausbildungsförderungsgesetz, Federal Training Assistance Act) is a type of government funding for students. Students receive half of their funding as a state grant and the other half as an interest-free government loan that must be repaid with favourable conditions after graduation. As a state-accredited university, SRH Berlin University of Applied Sciences meets the requirements of BAföG. Eligibility for BAföG is assessed individually at the time of application and is based upon the income and assets of the student and their parents. BAföG is usually paid for the entire standard duration of studies.

Detailed information about BAföG is provided on the website of the Federal Ministry of Education and Research. To determine if you are eligible for BAföG, you can use the BAföG calculator.

You can apply for funding at the BAföG office of the Studierendenwerk Berlin:

Child benefit

Child benefit (Kindergeld) is one of the most important state benefits for families with children and is not counted towards BAföG. The parents apply for child benefit at the family benefits office (Familienkasse) when the child is born. It is paid without further conditions until the child reaches the age of majority. From the age of 18, child benefits are only granted to those who continue their education and take up training or studies. In this case, child benefit continues to be provided until 25 years of age. The Federal Employment Agency offers further information on this topic.

Education Fund from Brain Capital

Study first, pay later.

Brain Capital was founded in 2005 at the WHU – Otto Beisheim School of Management. Today, Brain Capital is one of the largest providers of education funds. Repayments to the fund by alumni enable the next generation of students to complete their studies thanks to a “Reverse Generation Contract (UGV)”. Here's how it works:

  • The subsidy applies to the repayment of tuition fees and is independent of your parents’ income. Financial securities or guarantees are not required.
  • The repayment options to fund are flexible. Payments begin once you have started your career and your income has reached the minimum threshold. Repayments are compatible with career breaks, financing shortfalls or starting a family.
  • Brain Capital supports students with career coaching during and after their studies.
  • Apply for the education fund with curriculum vitae, high school diploma & Bachelor’s degree certificate, other credentials of university or professional achievements as well as the university’s confirmation of your study place.

IMPORTANT: Brain Capital only supports students who hold a general or subject-restricted higher education entrance qualification (with suitable grade average – please inquire at Brain Capital). For postgraduate studies, a Bachelor’s degree is required.

You can find more information on the website of the education fund.

Other funding options

Deutsche Bildung AG has been supporting students in Germany and abroad since 2006. The study fund is an alternative or supplement to BAföG or student loans. The Deutsche Bildung Student Funding guarantees an income-linked repayment and works according to the solidarity principle. You can apply for funding if you plan to take up postgraduate studies. Acceptance merely depends on your motivation to study.

More information is available on the website of Deutsche Bildung AG

The KfW Student Loan offers financial support for first- or second-degree studies with a minimum of 100 and a maximum of 650 euros per month, regardless of income or assets. In addition, semesters abroad are eligible for funding (if enrolment continues at a state-accredited university located within Germany).

More information on the KfW Student loan: KfW-Studienkredit

In contrast to state funding like BAföG, this student loan is granted regardless of your own or your parents' income and assets. This loan, which you can apply for online at the BVA, has a time-limitation and especially low interest rates. Internships and semesters abroad are also eligible for funding.

More information: Bildungskreditprogramm der Bundesregierung

A variety of scholarships are available in Germany. In addition to traditional criteria such as performance or commitment, many other factors contribute to selection. The following websites offer more information on scholarship programmes: