How to Obtain Student Loans in Germany as an International Student

Germany in recent times has become one of the top study destinations in Europe owing to its cheap tuition and relevance of some german universities as the best in the world.


Students who study in german universities sometimes go on to demonstrate tenacity and skills acquired in their respective work areas and also portray globally relevant skills due to their excellent education and exposure.

Read also: How to Obtain Student Loans  as an International Student in Italy

What are Student Loans?

Student Loans are special kind of loans which are created for both citizens and international students studying at approved colleges and universities in Germany.

Student loans over the years have proved to be an alternative for talented students who are willing to study but have insufficient funds for tuition or probably need more financing to cover other expenses.

Although obtaining student loans is quite easy for permanent residents, there are also very few loans available to international students studying either at the Undergraduate or Postgraduate level in German universities.

Student Loans in Germany


Obtaining Student Loans for international students is quite rare, this is because german universities have very low tuition both for citizens and international students.

Also as a requirement for studying in Germany, you are required to have about 8000 euros in a blocked account which would cover your expense for at least a year of your studies.

Most times universities have their own scheme which supports international students throughout their program.

You should have knowledge of their interest rates before applying for a loan that way you can make better decisions as regards your education. The bursary or student affairs division would have all the information which you might need.

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Requirements to Apply For Student Loans?

  • Admission letter from your university
  • Application form
  • Passport  photographs
  • Academic documents (certificates and Transcripts)
  • GMAT or IELTS results
  • Proof of residency for the student (over 5years)
  • Statements of accounts (in the last 2 years)
  • A copy of your passport

Is there a Maximum Amount?

Well, Most firms and universities usually do not give out loans that exceed your tuition fees as an international student, while some only give out 20-50% of your total tuition.

When do I Repay Student Loans?

Upon graduation or when you the job you are currently working in pays more than the required amount. Some universities also offer zero to low-interest rates on their loans.


Before applying for that loan you should consider scholarship or grant options as there are still a lot of scholarships available for international students.


Working for 120days maximum is also allowed as an international student. You should also read thoroughly the terms and conditions of the loan you would apply for before agreement of any form.



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