Guides

Where to look for a shared flat, how to write an application, what to ask at the viewing and what a room costs in 2026.

Health insurance at 30 as a student: when the KVdS ends, voluntary statutory or private options and the 2026 contribution calculation.

Effective study methods for university explained: active recall, spaced repetition, flashcards, Cornell notes and the Feynman technique, with a plan to start.

Health insurance at 25: family insurance ends during studies. What follows in 2026, KVdS, voluntary or private, with figures and calculation steps.

Skills, portfolio, hourly rate with a worked example, platforms, first clients and invoices under the small business rule for students starting out.

The PKV switch as a student explained: private contract, exemption application, the three-month deadline, documents and when cover begins.

How law graduates are insured during the legal traineeship: Beihilfe, private or statutory insurance, the gap after the first state exam and the next steps.

Health insurance after graduation in 2026: when compulsory cover starts, how to avoid a gap after exams and what your contribution costs, with an example.

Four levers to lower your PKV premium during an existing policy: deductible, plan switch, premium refund and the BAföG supplement.

Fixed monthly costs for students: rent, electricity, internet, phone, broadcasting fee and tickets, with current amounts and ways to cut them.