FINANCING YOUR STUDIES DURING THE CORONA CRISIS - Referat Soziales - stura@tu ...
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FINANCING YOUR
STUDIES DURING THE
CORONA CRISIS
Referat SozialesOverview
■ Presentation of the Department of Social Affairs (Referat Soziales)
■ Ways to finance your studies
– Overview
– Information on how to finance your studies
– Summary
■ Additional information (Current situation at TU Ilmenau)
2DEPARTMENT OF SOCIAL
AFFAIRS
(REFERAT SOZIALES) |
STURAReferat Soziales
■ Helps students in need
■ Takes all matters seriously and treats all cases discretely
■ Examples for our consulting services:
– Exams (failed 2nd retake , failed bachelor thesis etc.)
– Living (notice of termination)
– Ways to finance your studies (BAföG, Loan, Housing
benefit, Scholarships)
– Studying with a child/children
– (Chronical) illness (compensation of disadvantages,
semester breaks)
– Other (Studierendenwerk, changing your subject of
studies)
– …
■ Contact us for more information!
ref-soziales@tu-ilmenau.de
4WAYS TO FINANCE YOUR
STUDIESYour financing options
Overview
Scholarships Loans
BAföG Grants
Social assistance
Funding
(emergency)
Housing benefit
6SCHOLARSHIPS
Scholarships (BMBF/AA)
● Studienstiftung des deutschen Volkes
● Studienförderwerk Klaus Murmann (sdw)
● Hans-Böckler-Stiftung
8Scholarships (BMBF/AA)
● Cusanuswerk
● Evangelisches Studienwerk Villigst
● Avicenna-Studienwerk
9Scholarships (BMBF/AA)
● Ernst-Ludwig-Ehrlich-Studienwerk
● Friedrich-Ebert-Stiftung
● Friedrich-Naumann-Stiftung
10Scholarships (BMBF/AA)
● Heinrich-Böll-Stiftung
● Hanns-Seidel-Stiftung
● Konrad-Adenauer-Stiftung
● Rosa-Luxemburg-Stiftung
More information on scholarships:
www.stipendiumplus.de
11Scholarships [BMBF/AA]
● 13 BMBF-certified conveyors
● Originating from government funds
● Based on the BMBF/AA guidelines
● Payments and needs based on hypothetical BAföG rate (plus fixed rate
for further costs of study of 300 EUR)
● BAföG and scholarship exclude each other
● Grant (no need to pay back)
● Bachelor: application basically up to the 3rd semester
● Master: application basically up to the 1st semester (only for foreign
students)
● Next application deadline: September 1, 2020
12More scholarships
● Deutschlandstipendium
● Merit-based scholarship, 300 EUR p. m.
● Next application deadline: unknown (currently not
advertised
Contact: TU Ilmenau
● PROMOS
● Support for studies abroad
● Next application deadline: June 15, 2020
Contact: IO TU Ilmenau More information:
www.stipendienlotse.de
● DAAD-Scholarships for your masters degree
● Target group: international master students
● Next application deadline: September 2, 2020
Contact: DAAD
13Scholarship for doctoral
studies
■ TU Ilmenau offers PhD completion scholarships from July 1,
2020 on
■ Applications can be handed in within the scope of the tender
phase for the second semester in 2020
– Reentry scholarship (for women who paused their
academic career based on reasons connected to family)
– Completion scholarships for doctoral studies (for
students at the end of your doctoral studies)
14Scholarship for doctoral
studies
■ Mandatory files to submit (1/2):
– Informal letter of application
– Personal data sheet (short biography) in respect of
educational and academic (professional) career
– Report on academic career
– Copy of diploma or masters certificate
– Statement of readiness from a professor at TU Ilmenau
regarding the future tasks
– Statement (academic opinion) of the supervising
professor, subject: work status and schedule
15Scholarships for doctoral
studies
■ Mandatory files to submit (2/2):
– Confirmation of the faculty council regarding the
acceptance of the PhD student
– Proof of the following (if needed/relevant):
■ activity as caregiver for children or close relatives
■ Chronic illness/disability
■ Volontary work
■ Studies abroad/research stay abroad (serving the PhD
program)
■ Filled in form with bank details and declaration of income
and a privacy statement
16Scholarships for doctoral
studies
■ Applications from April 1, 2019 – May 15, 2020 exclusively via
Mobility Online: https://mobility.tu-
ilmenau.de/mobility/BewerbungServlet?identifier=ILMENAU01&kz
_bew_pers=S&kz_bew_art=OUT&aust_prog=TUS&sprache=de
■ Contact person: Consultant of the Prorector for Science, Dr.
Wittwer, Tel. 695022
■ Statute on the commission for the award of scholarships and the
concurrent funding guideline: https://www.tu-
ilmenau.de/stipendien/tu-ilmenau-stipendium/
17DAAD scholarships [current information]
● DAAD scholarships will be paied during restrictions in continuing
with your studies if they are going to be continued
● Studying based in your home country might be funded
● Insurance holds up
● Additional costs might be absorbed in case of a subsidized journey
to your home country
● Scholarship for up to 2 months in case the journey to Germany is
not possible
● Termination or interruption possible for up to 6 months
● Commencement of funding for new scholarships is postponed
18THE GERMAN FEDERAL
TRAINING ASSISTANCE
ACT (BAFÖG)BAföG [requirements]
● First degree (full time)
● Diploma, bachelor or consecutive master studies
● Also fundable: second-chance education (studies)
● Maximum age at commencement of the studies: 29 years (bachelor) |
34 years (master)
● Proove of academic achievement after the 4th semester
● Restricted to standard period of study
20BAföG [requirements]
Who is generally eligible for funding?
■ German citizens
■ EU citizens with employee status
■ Recognized refugees
21BAföG [payments]
Maximum payment Residence in Germany or within the EU
(since autumn 2019) Own accomodation Living with own parents
For students on family 744 EUR 474 EUR*)
insurance (usually for up to
24 year olds)
For students on a student 853 EUR 583 EUR
insurance program (KVdS)
(usually for up to 24-29
year olds)
Volontarily insured (usually Up to 933 EUR Up to 663 EUR
for over 29 year olds)
Fixed rate for childcare + 140 EUR + 140 EUR
*) increase via SGB II (unemployment benefit) possible
22BAföG [payments]
● Monthly payments based on parents, husband`s/wife`s and students
income and assets
● Half of the payments as a loan and half as a grant
● Increments for studies abroad
23BAföG [amount of exemption]
Amount of exemption Assets Annual net income
(since autumn 2019)
Student 7.500 EUR 5.421 EUR
Husband/wife + 2.100 EUR 14.700 EUR
Per child each + 2.100 EUR --
Per child (not in fundable -- each + 6.660 EUR
education)
Parents -- 7.320 – 22.020 EUR
■ Amounts of exemption regarding income have been increased in
autumn of 2019 by 7% compared to the previous year
■ Use the BAföG calculator to determine your own entitlement to BAföG!
24BAföG [exemptions]
● BAföG, independent from parental assets/income: in combination
with an occupation for 5 – 6 years and self-funding
● Aid for the completion of your studies: up to 12 months of
additional funding, payment as interest-free loan
● Change of subject for your studies possible until the end of your
3rd semester based on a significant reason → funding period
anews
● Change of subject after the 3rd semester based on irrefutable
cause → funding period anews; without irrefutable cause, the
ending point for funding will not be extended beyond the point to
which your first studies would have been funded
● Age limit can be shifted
25BAföG [exemptions]
Required elements for an extension
beyond the maximum support term/age limit:
▪ Care for an up to 14 year old child
▪ Volontary committee work (student counsil or similar)
▪ (chronical) illness
▪ disability
26BAföG [repayment]
■ Maximum sum of repayment: 10.010 EUR
■ Repayment period no longer than 77 Monate → aquittance from all
debt beyond this point if it could not be paid back
■ Monthly standard installment: 130 EUR p. m.
■ Request for a respite is possible in case of financial incapacity
■ Repayment after completion of the standard period of study, but no
longer than 5 years afterwards
■ Aquittance from all debt 20 years afterwards (at the latest), if monthly
installments could not be paid
27BAföG [current information]
● Continued payment even in case of currently restricted studies
● Please note: Use online offers!
● New students can receive BAföG from April 1, 2020 going forward
● Proof of performance will be postponed in case of pandemic-induced
postponements of exams
● Unexpected delays within your study schedule (pandemic-induced)
effect an appropriate extension of the maximum support term
28BAföG [current information]
● Grants for the completion of your studies will be continuously paid
● Proof not necessarily required if it can not be presented due to the
pandemic
● Income (no matter the amount) from work in systematically relevant
fields of activities will be disregarded in determining your financial
requirements (dated back from March, 2020 and until further notice)
● Application update: reevaluation of your financial needs based on
financial losses regarding the parents
29BAföG [application and consultation]
● Contact: BAföG office (student services)
House B (Max-Planck-Ring 18)
Tel.: 03677/692752
Email: f@stw-thueringen.de
● Application form (german)
● Further information (german)
Please note:
Hand in your application for BAföG 2 – 3 months in
advance (based on the beginning of your funding period)
– in case of studies abroad please apply 6 months in
advance!
30LOANS
Loans [KfW Student Loan]
Conditions for KfW Student Loan
Interest rate 4,27 %
Interest-free payment period May 1, 2020 – March 31, 2021
Financial bridging assistance for foreign July 1, 2020 – March 31, 2021
students in pandemic-induced emergency
situation
Maximum award p. m. 650 EUR
Maximum age at the beginning of your 44 years
studies
Grace period 14 semesters
Usual waiting period 18 months
Maximum repayment period 25 years
32Loans [KfW Student Loan]
● Usually for German citizens and their relatives, EU citizens with a stay
for over 3 years, their relatives and „Bildungsinländer*innen“
● Restricted application period für foreign students → from June 1, 2020
on
● Federal Ministry of Education and Research (BMBF) finances the
interest for the above mentioned period of time (only for the period of
payment)
● Please note: This loan is not usually free of interest!
33Loans [Educational loan]
Conditions for Educational loan
Interest rate 0,72 %
Loan volume 1.000 – 7.500 EUR
Award p. m. 100/200/300 EUR
Earliest payment with the start of the 2nd year of study
Maximum grace period 2 years
Maximum age 35 years
Funding only up to the end of your 12th semester of study
Reimbursement starting after 4 years
Repayment rate p. m. 120 EUR
● Only for students based on § 8 BAföG
● Contact: Bundesverwaltungsamt (BVA)
● Online application
34HOUSING BENEFIT (WOHNGELD)
Housing benefit
● Notice of rejection by the BAföG office needs to be presented (housing
benefit not granted for BAföG recipients)
● Statutory requirements must be fulfilled (e. g. neediness, which is not
the case when the parents income lead to a notice of rejection by the
BAföG office)
● Entitlement to housing benefit during e. g. part-time studies, second
educational studies, exceedance of the maximum age/period of
funding (usually standard period of study)
● Example: rent p. m. 250 EUR, income p. m. 600 EUR, One person
household → Entitlement to about 95 EUR
● Contact: Local housing benefit office in Ilmenau
36SOCIAL ASSISTANCE
Social assistance
● Receiving social assistance based on Book II of the Social Code (SGB
II/ALG II) is possible – however, only in certain cases
● Supplementary amount for students who live with their parents →
claim usually exists when the parents are recipients of assisting
financial aid
● Break from studies due to illness → break semester (condition: no
exams or other academic performance can be taken!)
● Part-time studies based on a just cause (e. g. illness)
● Transition period between bachelor and master studies
● Assistance based on § 90 Abs. 3 SGB VIII for child care
● Contact: Employment agency/job center or youth welfare office,
depending on the assistance needed
38LOANS
Loans [student services (Studierendenwerk)]
■ Short time loan during the corona crisis
■ For students who face financial difficulties through no fault of
their own and caused by the corona crisis
■ Up to 800 EUR
■ Middle and long term hardship loan
■ Maxmimum of 12 months
■ For students in financial need
■ Directly enforcable guarantee or banker`s guarantee needed
■ Loan for up to 10.236 EUR
Contact: Studierendenwerk Thüringen, ASB
Applications to: asb@stw-thueringen.de
40Loans [StuRa loan]
● Period of payment: usually 6 – 12 months
● Loan for up to 1.800 EUR
● No interest
● Consultation and review of your financial situation with the Department
of Social Affairs (Referat Soziales) mandatory
● Payment plan discussed individually
Contact: Referat Soziales (ref-soziales@tu-ilmenau.de), StuRa
41Loans [case of hardship]
Loan in a case of hardship based on § 27 SGB II
● Recognized reasons for the receipt of the loan:
■ Delay on the first BAföG payment
■ Financial hardship close to finishing your studies
■ Exceedance of the maximum age or grace period due to a
disability
■ Students under exceptional life circumstances (e. g. child care,
disability etc.)
Contact: employment agency/job center
42FUNDING (EMERGENCY)
Funding (emergency) [on campus-
offerings]
• Thesis completion grant by the German Academic Exchange
Service (DAAD)
■ Support of international students to finish their studies
■ For up to 6 months
■ Payment rate p. m. individually
■ Grant
Contact: IO TU Ilmenau
• Emergency aid by TU Ilmenau
■ For all students who find themselves in emergency and not
self-inflicted situations of financial hardship
Contact: IO TU Ilmenau
44Funding (emergency) [on campus-
offerings]
Food stamps
■ 170 food stamps each valued 1,50 EUR for up to 2
semesters
■ Contact: Studierendenwerk Thüringen, ASB
45Funding (emergency) [external offerings]
■ Emergency fund by the DAAD-Stiftung
■ Financial aid between 1.000 and 10.000 EUR
■ Contact: DAAD-Stiftung
■ Emergency assistance for international students
■ Contact: ESG and KSG
46Summary
● Financing options exist– however they are very limited (especially
grants)
● No unbureaucratic emergency aid available yet
● BMBF provided the student services (Studierendenwerke) with 100
Mio. EUR (BAföG resources), Unification process could – however – take
until June, 2020
● Private initiatives might be able to absorb shocks short-term, but are
not meant to be long-term solutions
● Student services (Studierendenwerke) should provide additional grants
(positive example: Mainz)
47ADDITIONAL INFORMATION
Additional information
● Termination of contracts of tenancy are suspended until June 30, 2020
in case of a corona-induced shortage
● Extension agreement with the landlord/insurance/mobile
communications provider or regarding GEZ as possible solution in case
of financial struggles (for dunning block)
● Close to the BAföG-limit: invoke exemption from GEZ fees
● Masters: file for taxes → study related expenses as work related tax-
deduction (loss carryforward)
● (not only) long-term students: possibly take a break semester and get
previous volontary work (student council and similar) recognized
49Additional information [current situation at
TU Ilmenau]
● Resumably until June 1, 2020: restricted standard operation
● University library reopended on May 11, 2020 (only lending library)
● Cancelled exams will not be retaken (in principal)
● Exams can – in justified individual cases – be proponed
● Examination period has been extended onto the entire university
recess (July 20, 2020 - September 30, 2020)
50Contact us, if you have questions!
Contact:
ref-soziales@tu-ilmenau.de
Online:
→ stura.tu-ilmenau.de
→ Departments
→ Social Commitment
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