KfW student loan

Special regulations for credit application and activation

The following applies to the electronic activation of current KfW student loans: Please submit your documents via email – if possible, merged as one single document – to finanzierung(at)studentenwerkfrankfurt.de or by mail (+postal address).

Required are a current certificate of study, the verification protocol generated in the KfW portal and a clearly legible copy of your ID (front/back). 

Legitimation check (only required for new applications for the student loan): The personal appearance at the sales partner is mandatory.

Thereforeplease contact the social and financial advisory service ► here as soon as you have generated your application at the KfW portal. We kindly find a way to do this with us. Alternatively, the legitimation can also be carried out by banks. Please sign the application at the time of legitimation check and not beforehand.

All information on the current conditions for the student loan can be found on the KfW Bank►

If you have any questions about the KfW student loan, please contact our team of social and financial advisors ► here.

For financing your entire studies or longer study periods

For financing your entire studies or longer study periods, many banks offer a so-called study loan. The Studentenwerk Frankfurt am Main consults you in regards to the KfW student loan of the KfW development bank.

Starting from the first payment, the KfW study loan is paid with interest. The entire loan duration can be freely adjusted. Monthly payments between 100,- euros and 650,- euros are possible until the 14th semester. The parents’ or spouse’s income is irrelevant, collateral are not required.

Repayment begins 18 months after the last disbursement. There is an option to start repayment early. It can be applied for by 15.03. for a repayment start on 01.10. each year. Early repayment on 01.04. can be requested by 15.09. in each case. Five months before repayment KfW proposes a repayment plan. Here it can be decided whether to accept this or to make other repayment instalments. In principle, the repayment instalment must be at least high enough so that the repayment of the student loan can be completed in 25 years.

Until 30.09.2022, the KfW student loan can be obtained interest-free. From 01.10.2022, however, the regular interest rate will probably be charged again. The interest rate will then also apply to the loan amounts already drawn by 30.09.2022.

Advising and application are to be considered at the Studentenwerk Frankfurt am Main or any other distributor of the KfW development bank.

We recommend considering a thorough advising through our employees about the conditions of a study loan. The total loan with the accrued interest, which must be repaid after your studies, should not be underestimated.

You can find further information about the application and a repayment calculator here.

Social and financial advisory service of the Studentenwerk Frankfurt am Main
Telephone: 069 798 34906
finanzierung(at)studentenwerkfrankfurt.de