Anyone who is about to graduate and is experiencing financial difficulties has the option of applying for a student loan. Such a loan can be applied for independently of BAföG and covers the graduation phase for up to 12 months. 

As a rule, the loans are granted with an interest rate of 0%. The maximum monthly loan amount is €600. However, the graduation loan can be granted as complementary financing in the amount of €300 per month with a term of up to 24 months, if there are no other sources of financing. The maximum loan amount is €7,200.

Important: The loan must be secured by a surety. You can find more details in the info box under Downloads. 

In special emergencies or if the BAföG payment is delayed, the Studierendenwerk grants bridging loans.