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Source: BUS Sachsen-Anhalt (Linie6PLus)

Apply for hardship waiver of the BAföG repayment debt after rejection of a cooperation decree


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.


Interest is charged whenever you are more than 45 days behind with a payment.

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)

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