Apply for hardship waiver of the BAföG repayment debt after rejection of a cooperation decree
Description
Your decision for or against a BAföG training loan should not lead you to fear of debt. For example, you can issue a hardship decree if the cooperation decree has been rejected.
Hardship means a minor breach of your obligations to pay and cooperate throughout the repayment period.
Your application can
- lead to a hardship decree:
- You will be relieved of the (remaining) debt of your BAföG loan.
- lead to a rejection:
- You must repay the remaining debts in the amount of your BAföG loan, including open costs and interest.
You can submit your application informally
- telephonic
- in writing and
- online
at the Federal Office of Administration (BVA).
You can submit the application informally
- telephonic
- in writing and
- online
at the Federal Office of Administration (BVA).
- If you submit your application by telephone:
- Call one of the BVA phone numbers provided.
- Submit the application.
- If you submit your application in writing:
- Send the informal and signed application - stating your business mark - by post to the BVA.
- If you submit your application online:
- Open the BAföG online portal of the BVA and register there.
- After registration, you will receive a confirmation by e-mail. Follow the steps in the email to complete the registration.
- Log in to the BAföG online portal.
- Click on "Application forms" and select the form "Hardship Decree" via the button "Submit application".
- Fill out the form and press the "Submit" button.
- You will receive the decision on your application by post from the BVA.
- If your application is approved, you are debt-free and no longer have to repay the loan.
- If your application is denied, you will have to repay the remaining loan debt, including any outstanding costs and interest, in one sum.
You can submit an application if:
- They were rejected a cooperation decree by the Federal Office of Administration (BVA).
Requirements for the hardship decree:
- within the repayment period
- an address investigation costs have been charged to you no more than 1 time;
- this happens if you have not notified the change of your name or the changes in your residential address and the Federal Office of Administration (BVA) had to determine this
- a fine has never been imposed on you;
- Fines are levied if you have not notified changes in the relevant family and income circumstances during an exemption or deferral
- you have paid all payment obligations, including cost and interest claims;
- interest on arrears has been incurred for a maximum period of 150 days.
- an address investigation costs have been charged to you no more than 1 time;
Hint
Interest is charged whenever you are more than 45 days behind with a payment.
- none
Application: within 1 month after rejection of the Cooperation Decree
- Processing time of the application: 3 months
- Forms: no
- Online procedure possible: yes
- Written form required: no
- personal appearance: no
The text was automatically translated based on the German content.
Federal Ministry of Education and Research (BMBF)