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Good funding, even without a scholarship

Someone who is not successful in winning a scholarship or needs to cross-finance part of the study fees can draw on a student loan. The conditions for repayment can vary greatly, depending on the provider, and the lenders’ offers are both diverse and numerous; it is worth making detailed comparisons.

Conventional student financing


The state education grant is characterised by very good terms and conditions. The state grants one half of the money as an interest-free loan, the other half is paid as a grant not requiring repayment. However, only students who do not exceed certain capital and income limits qualify for BAföG.


Studentenwerk Frankfurt am Main
Bockenheimer Landstraße 133
60325 Frankfurt am Main
Phone: +49 180 17 88 336
Email: info@studentenwerkfrankfurt.de

KfW student loan

The KfW is a full loan with incurred interest, however substantially below market level.

As opposed to a BAföG grant, neither the applicant’s nor the parents’ income and capital play a role. Also, as far as age is concerned, the KfW is more generous, supporting students between 18 and 44 and even when they exceed the standard period of study. The study loan offer can be requested from the respective sales partners of the KfW bank group.

Student loan Nassauische Sparkasse

The German bank Nassauische Sparkasse offers EBS students a funding model with preferential rates.

All benefits at a glance

  • Financing the study fees for bachelor or master study programme, including examination fees and semester fees abroad
  • Additional financial expenses (interest) in the last two semesters
  • Minimum amount 5,000 euro, maximum amount 75,000 euro
  • Up to 24 months’ grace period after graduation


Nassauische Sparkasse
Ms. Claudia Preußer
Winkeler Straße 46
65366 Geisenheim
Phone +49 611 364 45001
E-Mail: claudia.preusser@naspa.de

Education funds of external providers

CareerConcept Education fund

With its study and education funds, CareerConcept taps the free capital market for education financing. Investors invest in products such as education funds which in turn finance talented young people during their studies. After successfully entering the labour market, the graduates pay back a time-limited, proportional percentage of their achieved income in return.

Deutsche Bildung

As a social business for financing studies, Deutsche Bildung has been enabling students of all disciplines to study (also abroad) via a study fund since 2007. In contrast to a student loan, graduates pay back a portion of their income at a later date without the risk of over-indebtedness.

The benefits at a glance

  • Flexible payouts up to a maximum of 30,000 euro
  • No guarantors or securities required
  • Independent of parents’ income
  • Can be combined with Bafög, scholarships and loans
  • Free and non-binding online application
  • Pay later with many securities pro rata of income
  • Exclusive participation in the German Education Academy

  • Website of Deutsche Bildung

FESTO Education Fond

With the Festo education fund, students of the EBS Business School receive a student loan of up to 40,000 euro.

The advantage of the FESTO education fund

Repayment is not in fixed instalments but constitutes a certain percentage of the individual’s income, set on a case-by-case basis. In other words, Festo education fund participants pay only what their monthly budget allows. The number and amount of payments can also be determined individually and as required. Besides financial support, it is also worth looking into the Festo education fund as it covers a wide range of qualification programmes as well as providing access to a large network of top-level corporate and academic contacts.


On this page we have provided you with a list of special offers for student funding. The above-named institutions provided us with this information. EBS Universität cannot be made liable for the accuracy of the contents. EBS Universität cannot advise on selecting a certain finance offer and is neither provider nor agent for a respective student loan. Please examine and compare the various student loan offers in order to find the funding most suited to you and your requirements.

Siri Pommer
Student Recruitment Manager
+49 611 7102 1589
Christof Glaser
Student Recruitment Manager
+49 611 7102 1594
Markus Herzger
Student Recruitment Manager
+ 49 611 7102 1593