Aufstiegs-Bafög: Cash injection for advancement training


With the Aufstiegs-Bafög, not only schoolchildren and students, but also working people have the chance of financial support from the state. For example, those who want to realize their professional ambitions as an educator often need money: For courses, materials, examination fees. The Aufstiegs-Bafög supports employees in their professional qualification up to self-employment. Here you can find out who, how and how much advancement funding is received …

➠ Content: This is what awaits you

Who is eligible for an advancement student loan?

Aufstiegs-Bafög can be granted to anyone who is continuing their education at a technical school or with a course. This is especially true for people who acquire one of the following advanced training qualifications:

In total, however, there are more than 700 comparable qualifications recognized as advanced training. This is funding under the Advancement Training Funding Act (AFBG). In contrast to the funding under the Federal Training Assistance Act (Bafög), you receive the advancement Bafög regardless of age.

Authorized groups of people in detail

High school graduates and dropouts without a completed training but who have the necessary professional experience for further training are also eligible for funding. University graduates who have completed a bachelor’s degree can also receive the advancement student loan. Higher degrees such as master’s degree, state examination or doctorate are excluded, as are pupils and students in their first training.

There are special requirements for foreigners: You are entitled to a student loan as long as your permanent place of residence is in Germany. In addition, they must be able to prove a permanent residence permit or a corresponding residence permit and have legally lived and worked here for 15 months.

How much advancement student loan do you get?

The Aufstiegs-Bafög is divided into two types of funding: First, you receive grants amounting to 50 percent of the course and examination fees, which you do not have to repay. On the other hand, you have the opportunity to get a low-interest loan from the Kreditanstalt für Wiederaufbau (KfW). Eligible persons can receive up to 15,000 euros, half of which is a grant and half a loan.

Whoever has to make a masterpiece can also receive a maximum of 2,000 euros for material costs. 50 percent of this is a grant. The exact amount of the ascent Bafög, more precisely: the subsidy, depends on your income or assets. Here is an overview of the (maximum) funding:

  • Up to 15,000 euros for course and examination fees
  • Up to 50 percent for the masterpiece and material costs (maximum 2,000 euros)
  • If the exam is passed, 50 percent loan waiver
  • If you then set up a company, up to 100 percent loan waiver

For the loan waiver, you must submit an application with the relevant evidence to the KfW Bank.

Living support

Those who complete advanced training full-time can also receive support for their livelihood regardless of income or wealth. This is made up of payments for basic needs, housing needs, an increase in need and surcharges for health and long-term care insurance. The following contributions are possible at most:

  • 892 euros for single people
  • 235 euros as a surcharge for married people
  • 235 euros as a surcharge per child
  • 150 euros flat rate for childcare costs for single parents

Independent of income and wealth on the other hand is the flat rate of 150 euros for children under 14 years of age or when caring for a disabled child. There are also allowances of 290 euros (single persons) or 630 euros (for the applicant’s partner). Anyone who has a mini job (up to 450 euros) in addition to advanced training,

Save money with tax returns

In addition to the advancement student loan, participants in a training course have the opportunity to get money through their tax return. You can state everything that is related to your measure as income-related expenses. These include, for example:

  • Office furniture
  • Travel expenses
  • Laptop
  • Textbooks
  • materials

Advancement student loan calculator

Do you want to know how much money you can get from the state? The exact calculation of the ascent Bafög is quite complicated, as it depends on your personal life situation. The Federal Ministry of Education and Research provides a student loan calculator on its website. This leads you through individual questions, the answers to which you can calculate your individual funding amount. Simply click the following link: Funding calculator

Frequently asked questions and answers about the advancement student loan

What is advancement student loan?

Aufstiegs-Bafög (formerly: Meister-Bafög) is state support. It is regulated by the Advancement Training Assistance Act (AFBG) and is aimed at people who want to gain further professional qualifications. You have a legal right to funding for professional advancement training. This includes master classes and courses that prepare for equivalent advanced training qualifications.

Which training courses are funded?

You can receive ascent Bafög for further training that is carried out by public or private providers. Funding is possible for both full-time and part-time training.

How long can you receive advancement student loans?

The maximum funding period varies depending on whether you are completing the advanced training full-time or part-time. Usually the state supports a maximum of 36 months for full-time measures and a maximum of 48 months for part-time measures.

Can I apply for the advancement student loan a second time?

It is possible to apply for a second advanced student loan, but a second advanced training will only be accepted in exceptional cases. For this, you must, for example, have acquired the necessary qualifications through previous advanced training in accordance with AFBG. Or personal reasons such as an illness make further training necessary.

Also interesting: Not only the first advanced training course is eligible for funding. Those who have financed their first advanced training themselves can still apply for advanced student loans for a second advanced training, as funding is possible per person.

How much do you have to pay back with the advancement student loan?

The exact amount depends on what funds you have received. You will receive the subsidies and livelihood as a gift from the state. All you have to do is repay the loan from the KfW Bank. The repayment installments are at least 128 euros per month.

It looks different if you don’t do it regularly participated in the advanced training course or even canceled it: In this case, you have to repay the funding. However, this does not apply to short-term sick leave. The money is only to be paid back if more than 30 percent of the lessons are absent.

What requirements does the advanced training have to meet?

You will receive advancement student loans for further training examinations under public law or for attending technical schools. The condition is that the qualification you are aiming for counts higher than a vocational college qualification, a skilled worker, journeyman or assistant exam. In addition, the following criteria must be met:

  • Minimum duration
    The preparatory course comprises at least 400 teaching hours.
  • Full time
    Full-time courses must have 25 lessons per week and take place on four working days. Overall, the measure may not last longer than three years.
  • Part time
    Part-time courses may not last longer than four years and must include at least 18 teaching hours per month.
  • Distance learning
    Ascent Bafög for distance learning courses is possible, provided that they meet the requirements of the AFBG. In addition, they must meet the requirements of the Distance Learning Protection Act.
  • Media-based courses
    Media-based courses should include face-to-face tuition or similar mandatory media-based communication of at least 400 hours. Also required: Regular success checks – you will not receive an advancement student loan for pure self-study phases.
  • participation
    The payment of the Aufstiegs-Bafög is linked to regular attendance, which you must prove using Form F.

By when do you have to apply for a student loan?

You should apply for the Aufstiegs-Bafög as early as possible: As always with financial support from the state, you must provide appropriate evidence and processing the application takes time. In addition, funding is granted from the month of application at the earliest: If the training measure has already started a month before, you are giving away money. You must apply for the contribution, which includes the course and examination fees, at the latest at the end of the advanced training.

Where do I apply for a student loan?

If you want to apply for a student loan, you should contact the responsible funding agencies in the federal states. The contact persons are different depending on the federal state: For North Rhine-Westphalia (NRW), the district government in Cologne takes on the advice and acceptance of applications. In Bavaria, on the other hand, the Office for Education Funding in Munich is responsible. Hesse, in turn, relocates advice to the student unions and Hamburg to the Chamber of Crafts. You can find out which funding agency is suitable for you on the page.

The necessary application forms can be filled out conveniently online from home. You can download it HERE. However, you should pay attention to the application options valid for your federal state. You can find the overview HERE.

When do I have to repay my student loans?

The repayment begins after your training at the earliest and can be postponed up to a waiting period of six years. In addition, no further interest accrues during this period. After that, you have to repay the advancement student loan within ten years. But even then, there are still exceptional situations that the state takes into account: For example, if your income is below certain limits.

Then there is an exemption from repayment possible for up to five years. There are also special conditions if you have a low income, look after children under the age of 14 or care for close relatives. The situation is different if, on the other hand, you miss more than 30 percent of the lessons or abandon the advanced training. In that case, you will also have to repay the grants. It is therefore important that you report this immediately in the event of non-culpable failures due to illness or the like and have yourself certified by means of a medical certificate.

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