{"id":9090,"date":"2026-09-16T08:20:42","date_gmt":"2026-09-16T08:20:42","guid":{"rendered":"https:\/\/neu-team.staffeins.de\/?page_id=9090"},"modified":"2026-10-16T13:28:54","modified_gmt":"2026-10-16T13:28:54","slug":"studieren-und-arbeiten","status":"publish","type":"page","link":"https:\/\/neu-team.staffeins.de\/en\/studieren-und-arbeiten\/","title":{"rendered":"Studying and Working"},"content":{"rendered":"
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INFORMATION FOR STUDENTS<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Studying and Working<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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A plan for your money.<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Rent, semester contribution, a new laptop: studying costs money. Here you can find out how to calculate your financial needs, what sources of funding are available and how much you are allowed to earn in addition to BAf\u00f6G \u2013 with the figures for 2026.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Up to \u20ac603 per month without a reduction in BAf\u00f6G<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Shifts to suit the timetable<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tRegister now - from 16 \u20ac\/hour<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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How much you are allowed to earn alongside BAf\u00f6G \u2192<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"L\u00e4chelnder\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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603 \u20ac<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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earn as extra money per month \u2013
without a reduction in BAf\u00f6G.<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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FIRST CALCULATE, THEN WORK.<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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What are your financial needs during your studies?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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In three steps, you\u2019ll know how much money you need each month \u2013 and how much of it should come from your side job.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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01<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Determine fixed costs<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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These include the rent<\/strong> and ancillary costs such as electricity, water, heating, telephone and internet<\/strong>as well as insurance, the broadcasting fee and travel costs, along with your expenses for food, clothing and learning materials.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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02<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Allow for variable costs and contingencies<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Some things do not occur monthly: the service charge statement (\"Betriebskostenabrechnung\")<\/strong> (often in summer), the semester fee<\/strong>, books at the start of term. Also allow for repairs or a new laptop. Rule of thumb: a buffer of three monthly budgets<\/strong>. Major purchases, a stay abroad or a holiday should also be included in your annual planning.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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03<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Calculate your gap<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Divide your annual requirement by twelve. From that, subtract your monthly income<\/strong> deduct, such as maintenance payments, child benefit, BAf\u00f6G or a student loan. The difference is the amount that you can earn as extra money<\/strong> .<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Your gap determines how many hours you should work per month. Ask yourself: How many days a week do you want to work? Where are the gaps in your timetable? Does the weekend work for you? Or would you rather do most of it during the lecture-free period? That is exactly what flexible shifts are for.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Convert your earnings target into shifts \u2192<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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WHERE THE MONEY COMES FROM<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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These sources can help you finance your studies.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Most students combine multiple sources. Here is the overview as of 2026.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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259 \u20ac<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Child benefit (\"Kindergeld\")<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Your parents receive child benefit for you as long as you are in your first vocational training programme or undergraduate degree course \u2013 at most until your 25th birthday. Since January 2026, this amounts to 259 \u20ac per month<\/strong>. In special cases, such as after certain periods of service, the entitlement may continue for longer.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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PARENTS<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Financial Support (\"Unterhalt\")<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Under Sections 1601 et seq. of the German Civil Code (BGB), your parents are obliged to finance your initial vocational education \u2013 this also includes your degree course. If they are unable to do so, or can only do so in part, you can apply for BAf\u00f6G.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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up to 992 \u20ac<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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BAf\u00f6G<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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How much you receive depends primarily on your parents\u2019 income and your living situation. Requirements include, among other things, an eligible course of study, an appropriate residence status, and being under 45 when you begin your studies. Half is a grant, and the other half is an interest-free loan. You apply online via baf\u00f6g.de<\/a> or at your university\u2019s student services organisation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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GRANT<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Scholarships<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Scholarships are awarded by the state, foundations, companies and associations. Unlike BAf\u00f6G, you do not have to pay anything back. In addition to good grades, many also require social or political commitment \u2013 so find out early, for example at your university, at university information days or in the Overview of the German National Association for Student Affairs (\"Deutsches Studierendenwerk\")<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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And the part-time job?<\/strong> Alongside maintenance payments, child benefit and BAf\u00d6G, it is the most important source of income for most people. Make sure it fits in well with your studies \u2013 and keep an eye on the income limits for BAf\u00d6G, family insurance and tax. You can find the figures below.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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CREDIT AND HOUSING BENEFIT<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Two sources that you should examine closely.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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A student loan has to be repaid \u2013 and students are only entitled to housing benefit in exceptional cases.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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LOAN<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Studienkredit und Bildungsfonds<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Many banks offer loans that allow you to cover your living costs while studying \u2013 in addition to BAf\u00f6G as well. All offers work like a loan: you enter into a loan agreement, receive a fixed amount each month and repay it with interest after completing your studies.<\/p>

Example: KfW Student Loan:<\/strong> \u20ac100 to \u20ac650 per month; you choose the amount yourself. You can apply for it until the age of 44, through banks or participating student services organisations. The interest rate is variable and is adjusted to the capital market twice a year.<\/p>

Think carefully about whether you want to still be paying off a loan after graduation: over a longer period, the amounts can quickly add up.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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ONLY IN EXCEPTIONS<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Housing benefit (\"Wohngeld\")<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Housing benefit is a subsidy towards rent. As a rule, students do not receive it if they are eligible for BAf\u00f6G in principle \u2013 even if their BAf\u00f6G application is rejected, for example, because of their parents\u2019 income. Housing benefit may be available, among other circumstances, if<\/p>