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Source: BUS Sachsen-Anhalt (Linie6PLus)

Apply for income-related deferral of payment of the BAföG loan


If your net income is below a certain limit ("total allowance") or exceeds it with less than the monthly standard installment of EUR 105 (from 01.04.2020 EUR 130), you can apply for a deferral of payment of your BAföG repayment.

Your basic allowance is currently EUR 1,225 per month and increases:

  • from 01.08.2020 to EUR 1,260 per month and
  • from 01.08.2021 to EUR 1,330 per month.

This basic allowance is increased by further allowances,

  • if you are married or in a registered civil partnership,
    • currently around EUR 610
    • from 01.08.2020 to EUR 630 and
    • from 01.08.2021 to EUR 665
  • per child
    • currently around EUR 555
    • from 01.08.2020 to EUR 570 and
    • from 01.08.2021 at EUR 605.
  • and if the spouse, registered partner, children do not earn any income and are not entitled to support benefits such as BAföG or vocational training allowance.

On separate application, the allowance may be increased by disability-related expenses in the amount of 1/12 of the lump sum shown in the Income Tax Act if a degree of disability has been determined within the framework of the disadvantage compensation. This also applies to single persons by the amount of the necessary care costs for children belonging to the household:

  • for the 1st child up to a maximum of EUR 175 per month and
  • for each additional child for a maximum of EUR 85 per month.

An exemption does not mean that you do not have to repay the loan at all, but that for a certain period of time you either

  • receive a deferral of payment completely without payment of monthly installments, or 
  • reduced monthly installments.

This depends on how much your net income exceeds your total allowance.

Full exemption:

  • Your net income exceeds the total allowance by less than the minimum rate of EUR 42 applicable in the exemption.

Partial exemption with reduced installment payment:

  • Your net income exceeds the total allowance by the minimum monthly instalment of EUR 42 applicable in the exemption, and
  • by less than the monthly standard rate of EUR 105 (from 01.04.2020 EUR 130).

No exemption:

  • Your income exceeds the total allowance applicable to you by more than the monthly rate set for you: you remain obliged to pay the monthly installment. However, you can submit a new application at any time if your income changes.

As a rule, the exemption is granted for one year and must be re-applied for in good time for a possible subsequent period. This also applies to new applications. An exemption is not automatically extended. Only monthly installments that are not yet due are covered by the exemption.

The exemption may be granted for a maximum of four months retroactively from the month of application. If the four-month retroactive effect is not sufficient, the monthly installments already accrued can only be deferred. If costs have already been incurred, only a deferral is possible. You can submit the deferral application together with the exemption application.

From the start of repayment, you can apply for exemption from the repayment obligation either by post or online.

Application by post:

  • Submit an informal request for exemption
  • Attach all necessary documents to your informal application and send them to the Federal Office of Administration.
  • You will then receive the notification by post.

Application online:

  • Go to the BAföG online portal of the Federal Office of Administration and register there.
  • After registration, you will receive a confirmation by e-mail. Follow the steps in the email to complete the registration.
  • After the registration has been successful, you can log in with your e-mail address and password and complete and submit the application form online. You can also upload the required evidence to the online portal and send it to the Federal Office of Administration together with the application.
  • You will then receive the notification by post.

Note: It is advisable to use the online procedure, as you will be guided step by step through the application process.

Mailing address:
Federal Office of Administration (BVA)
50728 Cologne
Visitor address:
Federal Office of Administration
Eupener Strasse 125
50933 Cologne

Phone: 0228 99 358-4500 or 0221 758-4500
Fax: 0228 99 358-4850 or 0221 758-4850

Service hours:
Monday to Tuesday and Thursday to Friday from 09:30 to 12:00, Wednesdays from 13:00 to 15:00.

Your income may not exceed the total allowance to which you are entitled by more than a monthly installment set for you in the assessment and repayment notice. Proof of income is required for this.

A full consideration of the allowances for spouses or life partners or children takes place only under the following conditions:

  • Your spouse, partner or children will not receive their own income or an income that is less than the allowance applicable to you. If your spouse, partner or children have their own income, your allowances will be reduced accordingly.
  • Your spouse or your partner or your children are not in an education that can be supported with BAföG or vocational training allowance.
  • Income determination form
  • Current proof of income (e.g. payslips, unemployment benefit or social assistance notice, current tax assessment)
  • Proof of your marital status and children 

Deferral of payment by means of an exemption is usually granted for one year from the beginning of the month of application. A retroactive exemption takes place for a maximum of four months.

Usually no processing time. The processing time depends on whether you submit the corresponding documents in a timely manner.

§ 18a BAföG

For deferral: § 59 Abs. 1 Nr. 1 BHO

Forms: informal application for exemption

Online procedure possible: yes

Written form required: yes

Personal appearance required: no

The text was automatically translated based on the German content.

Federal Ministry of Education and Research (BMBF)

No authority found