Credit for study

“You have no other way to close any financial gaps, or you want to focus entirely on your studies. It’s easy to get a student loan because you only have to enroll in a German state university. Here’s how to get a student loan without credit bureau information! The young people can choose between different loans. With relatively little effort you will find the right funding for your studies.

By whom is the study paid? You can also learn by credit.

By whom is the study paid? You can also learn by credit.

For whom should the livelihood of the students be paid? For example, in the Scandinavian countries, a student as an adult has already left his family’s home – including in the money. They do not have to pay for their studies, they receive scholarships and loans from other agencies. On the other hand, the students in the Federal Republic are considered as young people, who only gradually grow out of the house of their mother or father.

He has a legal right to a living from his legal guardian, usually until his first professional qualification. The student can choose his own subject, but must learn quickly and purposefully to minimize the burden on the guardian. 2. At present, students who do not live with their families can earn $ 670 a year for their livelihood.

This sum, which corresponds to the maximum allowance, is plus health insurance costs. Only when the funds of the guardians are insufficient, the federal government participates in the financing of the study. Students must apply to participate in the program. The right to parent support is also lower if you work, save, or inherit more than easily.

Therefore, in the Federal Republic above all the guardians and the federal government should pay for the livelihood of the students. According to the most recent social survey of the Studentenwerk in the summer half of 2012, most of the students’ income comes from these two sources of income. The student, who no longer lived in her mother’s house, had an average of 864 USD per month, almost half came from her father and 16% from the house.

This results in around 550 USD. Self-earned were 24% or good 200$?

This results in around 550 USD. Self-earned were 24% or good 200$?

The students spent most of their money on housing, about 34% of their income. Another important source of money is, at least for some of the students: About 6 percentage points flow monthly through a student loan in several hundred USD.

This has only existed in Germany since 2005, when the tuition fees came in. Since then they are gone, but the credit is still there. He is mainly known from the Anglo-Saxon area, where young people pay the high tuition on credit and are often highly indebted. “However, in the Federal Republic of Germany it is only an additional financing,” says the student loan expert at the CHE Center for Educational Development in Gütersloh: “It is a kit next to Credit Aid, talent promotion and additional income through part-time work, if the parental allowance is insufficient.

There were two main reasons for taking out a loan. “Either you have no choice, or you want to focus entirely on your studies.” For example, last year’s students doing their part-time job to fully focus on the final exam. As a rule, loans are gladly submitted at the end of the course.

The student loan is a sensible additional financing instrument, but strongly recommends exploring all other sources of funding first. Because: Parental benefits, study scholarships and at least half the area of ​​the Bafögs do not have to be repaid. One should also consider exactly which lifestyle one pays on credit.

One Time Credit for Students

Similar to Credit Aid, Intrasavings is a student loan from public funds. Most students are eligible for a student loan from Intrasavings Bank. The loan amount is not paid once but monthly. Many banks offer students loans as a way out of the financial crisis. This is especially the case if the money is not used to finance a one-time, larger spend, but the monthly living expenses are to be financed.

Free comparisons of cheap loans

Free comparisons of cheap loans

Employees not only have to pay some expenses with a bank loan from time to time, but also other client groups have financing needs. Of course, this also applies to students who often only get credit. Here you can find all student loans at a glance. In principle, some banks do not grant loans to students because the credit risk is too high for them.

This is mainly because students often – if at all – have only part-time employment as a source of income. On the other hand, there are banks that grant students a special loan. This student loan then usually works like a normal installment loan and can also have very good conditions.

The student loan granted by the “normal” house bank is possible on the condition that the student needs a certain amount of loan, which he then subscribes in mont. The credit bureauinformationen must be perfectly from the bank’s perspective and the student must also have a certain fee for the payment of the credit installment.

Mostly, such loans are used, for example, to finance an apartment for students or to finance a car, which is necessary for immediate access to the university. For students, as for all other types of loans, the first thing to consider are the conditions, especially of course, to pay the interest rate.

For example, in the case of loans for trainees, there are also some credit institutions in the student loan sector, which have particularly low-interest terms. One of them is our test winner, the German Creditt. In part, the student loans granted by a “normal” house bank can not help the student.

This is especially the case when the money is not a one-time, larger effort to finance, but the monthly living expenses. The usual loan is in this case not advisable for students, as there are also monthly additional costs. The student loan granted by Intrasavings Bank can be remedied here.

The payment of the loan amount in this case is not a prank, but in installments.

The payment of the loan amount in this case is not a prank, but in installments.

These payments will be used to finance the running costs of the student. In addition, the repayment of the loan must begin only after completion of the study course. It is also observed among students that there is already a negative entry of the company, even if it was only because of an unpaid traffic ticket.

In this case, the student no longer receives a “normal” student loan, but has to apply for a student loan without their own scholarships. However, there is no special student loan without the Foundation’s offer, but the student has to look for a general loan without the offer of the Foundation. A so-called Swiss loan, as the loan without the name is also called, is to have primarily over credit brokers.

Although the application to the Foundation is waived, almost always a yield must be provable. Therefore, it could be a bit difficult for the students here as there are often no fixed income.