Guides

Private health insurance as a student: who can opt out, what statutory and private cover cost, which benefits and risks there are and how the application works.

Bildungskredit: €100 to €300 a month, 4.09% effective interest (as of October 2026), repayment from year four. Application, BVA and KfW explained.

Training voucher (Bildungsgutschein) 2026: Requirements under section 81 SGB III, the application through the Employment Agency and the costs it covers.

Which study costs students can deduct in Germany, how first and second courses of study differ, and which allowances parents can claim.

Pension insurance for students in Germany: when contributions are due, how mini jobs and working student roles are treated, and how to exempt yourself.

How to plan a monthly budget as a student: record your income and costs, separate fixed from variable costs and divide what is left.

Student assistant jobs at German universities: hourly rates, contract terms, social insurance and how the job affects BAföG and child benefit.

AI use in German universities depends on the exam rules and course. Where to find the rules, how to disclose AI use and which tools fit which task.

The career start after university in Germany: job search, applications, salary talks, and the deadlines for child benefit, health insurance and tax.

Semester fees by university for 30 German cities in winter 2026/27, from €82 to €484.18, with the second-residence tax per city.