Lionel Hasse

Eight practical student life hacks for learning, organisation and everyday life that you can try one at a time.

Additional contribution 2026: average 2.9 percent, how it is calculated on the contribution base and what 0.3 points mean for students. With example.

A deductible (Selbstbeteiligung) is the part of costs you pay yourself before the insurer pays. Here is how it works, how it affects your premium and what to check before choosing it.

What to arrange before your first semester: enrolment, health insurance, semester fee, BAföG, housing and bank account, with deadlines and figures.

Apply for a scholarship with a clear plan: deadlines, documents, motivation letter and the selection interview explained step by step.

The child benefit transition period lasts up to four months between training stages, such as school and university. An example shows how it works.

How to finance a degree from age 30: BAföG, scholarships, KfW student loan, part-time work and health insurance, with amounts and a worked example.

When your health insurer raises its additional contribution, you can switch by the end of that month without the 12-month binding period. Details below.

Private health insurance abroad can be a smart choice during your studies. Compared with statutory health insurance (GKV), a private policy often offers more extensive benefits and more individual care. Students in particular often have special needs, whether because of the stress caused by exams or because they need to stay healthy to reach their … Read more

The long-term care childless surcharge adds 0.6 points from age 23. Childless students over 23 pay 35.91 euros a month in 2026. Here is how it works.