We help our students with all questions concerning their studies

Student Financing

Money should not be the decisive issue

As a privately-owned university, EBS Universität finances itself mainly from tuition fees. These guarantee the high quality of teaching and every other feature that distinguishes the study programme at EBS. However, studying at a private university often depends on funding options. In this respect, EBS Universität offers several options and assistance.

Graphic on financing options at EBS Universität

Education funds

The concept of an education fund or reverse intergenerational contract refers to a model that gives students the opportunity to make a financial contribution to their studies only after they have completed their studies. During their studies, tuition fees are covered in whole or in part by money from the education fund. After completing their studies, a salary-dependent repayment is made if a fixed basic income is reached. The repayment is used to finance the studies of the “next generation”.

EBS Education Fund (Brain Capital GmbH)

The EBS Education Fund is based on the Reverse Generation Contract (German: Umgekehrter Generationenvertrag, short UGV) model and is a solidarity-based financing concept. Here, tuition fees are financed downstream and depend on income. Everyone can study at EBS without the financial burden of tuition fees, regardless of their financial background.

The key feature is that students use their repayments to enable new students to study after graduation and once they have reached the minimum income level. This cycle ensures secure financing for new students at EBS.

Study first – pay later: This is how it works

  • After signing a sponsorship agreement with Brain Capital, you can study without worrying about tuition fees. These are paid directly from the education fund to EBS.
  • Only when you start your career, and only if you exceed a minimum income of 30,000 euros, do you pay back the percentage of income specified in the sponsorship contract as downstream tuition fees for a maximum of 10 payment years. The model offers every freedom in life planning. Payments adjust to personal career and ability to pay.

Requirements for your application:

  • Admission to study at EBS (Bachelor’s, Law, Master’s and MBA).
  • EU citizens

Brain Capital GmbH conducts the selection interview for financing.

EBS Education fund (Chancen eG)

The Income Share Agreements (ISA) ensures equal access to education with a fair financial solution, irrespective of your current financial status.

  • The financing concept: CHANCEN eG will fully finance the fees for your studies at EBS Universität with the Income Share Agreement. In return, you commit to providing this opportunity for later generations: If you are employed after graduation, for example, and have a minimum annual income, you pay back a certain amount of the payment to finance further study places.

  • Who receives sponsoring? All first-year students of the Bachelor in Business Studies programme at EBS Universität can apply for the Income Share Agreements by CHANCEN eG. Considered will only be EU citizens and citizens from Liechtenstein, Switzerland, Norway, Great Britain, Iceland, Monaco USA, Canada, Australia, New Zealand and Israel. In addition, only submit your application if you fulfil two of the following three criteria: A long-term residence title in Germany, possession of a German educational qualification and/or work experience in the desired field. CHANCEN eG conducts the selection interview.

  • How to apply? Like with your study place at EBS Universität, you can also apply for the Income Share Agreements at any time. For the best possible planning reliability, we recommend that you submit your application to Chancen eG early but at the latest 5-6 weeks before the start of your studies.

  • More information and application

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.

Scholarship offers

Equal opportunities should not be a question of financial means because high potentials are not only to find in high-income households. Studying at EBS Universität is an investment in your future. However, because your proficiency and performance are the only things that count, we have established several financing and funding opportunities for us. This will enable any suitably qualified applicant to receive the best possible education. In addition, companies are often on the lookout for precisely these exceptional talents and therefore provide targeted support at universities through scholarships and other financial assistance. In this respect, the EBS Universität concept is compelling: several foundations and companies are particularly interested in championing students of EBS Universität.


myStipendium helps students and doctoral candidates find the right scholarships free of charge. With over 2,300 funding opportunities with a total value of 610 million euros/year, myStipendium is the largest scholarship database in Germany and thus shows: Scholarships are not only available for the highly gifted, the needy or the committed, but anyone can find a scholarship! On myStipendium, as a user, you will automatically see all scholarships that fit your resume.

Cooperation with sports associations

Logo of the Olympiastützpunkt Hessen

For several years we have maintained exclusive cooperation with the Olympiastützpunkt Hessen.

Scholarship of the MOMENI Group Foundation

The MOMENI Group Foundation aims to enable students with an above-average academic performance from socially deprived or economically disadvantaged backgrounds to pursue further studies in the field of real estate through a scholarship. MOMENI Group has been a member of the Board of Trustees of the EBS Real Estate Management Institute since 2019.


Starting in 2019, EBS Universität participates in the Deutschlandstipendium scholarship to sponsor top-performing students. We want to support talented and socially committed students at EBS Universität with 300 euros per month – 150 euros will be provided by private sponsors and 150 euros by the Federal Government. All first-year students who have started or will start their studies at EBS Universität in the respective award year can apply for this non-income-related support.

  • Funding is granted for first-year students of all faculties (except for doctoral students)
  • Amount of funding: 300 euros per month (150 euros from private sponsors, 150 euro from the Federal Government)
  • Next application period: from 1 May to 31 July



Receiving the Deutschlandstipendium scholarship has greatly reduced my financial burden, given me peace of mind, and allowed me to continue to pursue my educational and professional dreams.

Mehmet Ali Dayan
Mehmet Ali Dayan
MSc in Automotive Management Student

The scholarship from EBS Universität makes it easier to combine studying and having a child.

Hannah Münzer
Hannah Münzer
MSc in Finance Student

Scholarships from EBS are the key to open the door for a greater future.

Felipe Arias Alonso
Felipe Arias Alonso
Bachelor in Business Studies Student

With the EBS Scholarship, EBS has enabled me to embark on the unique study programme at EBS Law School and to take advantage of the many opportunities offered here. The application process for the EBS Scholarship is quicker and more transparent than you might think, and you will be supported every step of the way if you have any questions or need help.

Finn Rübo
Finn Rübo
Law Studies Student

Conventional student financing

Someone who is not successful in winning a scholarship or needs to finance a 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 diverse and numerous; it is worth making detailed comparisons.


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. Myriam Zoi Weil
Rheinstraße 34
65385 Rüdesheim am Rhein
Telefon: +49 611 364 455 01
E-Mail: myriamzoi.weil@naspa.de

EBS Business School Students

Combine your options

It does not always have to be a 100 % full scholarship. There are many different ways of financing a study course, and often a combination of other models (scholarship, funds, financing) is both possible and reasonable. Of course, we will also be pleased to advise you and together examine the various options.


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

We are looking forward to your request!