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Student loans and credits

Student loans and credits can be an alternative way to finance your studies when other financing options are not an option. There are opportunities to obtain loans or credits through various institutions, and the conditions and application requirements sometimes vary greatly.

Daka student loan

The Darlehenskasse der Studierendenwerke e. V. (Daka) can provide students with financial support in the form of an interest-free student loan. The Daka is a non-profit association of the twelve North Rhine-Westphalian student unions.

KfW student loan

The Kreditanstalt für Wiederaufbau (KfW) is funded by the Federal Republic of Germany and the federal states. The KfW student loan can help you finance your studies or doctorate/Phd studies independently of your own income and that of your parents.

KfW education loan

For the final phase or during an internship of their full-time studies, an education loan can also be considered. The education loan can be combined with the BAföG (state financial assistance for education), the BAföG bank loan and the KfW student loan.

Loan for Christian women from Hildegardis Association

The Hildegardis Association supports women with interest-free loans who want to further their education and development financially and additionally ideally.

Other student loans

In addition to government loans for students, there are also private credit institutions that can help you finance your studies. In the CHE Student Loan Test from 2021, published by the Center for Higher Education Development (CHE), you will find a comparison of current student loans and much more important information.

AStA [Student Union] Social loan

The General Student Committee ( AStA ) of the University of Bielefeld can grant a so-called social loan, which is paid out once as an interest-free loan.

The loan is granted free of charge and is intended for students who are temporarily unable to support themselves.


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