DAKA-Student loans

DAKA student loans: interest-free student loan – only in North Rhine-Westphalia

The favourable conditions of the DAKA loan have received awards from the German consumer organisation Stiftung Warentest, among others. These are for example: Maximum amount up to 12,000 euros, funding rate up to 1,000 euros per month, interest-free repayment in flexible instalments possible. The loan has been awarded the seal of approval by the Centrum für Hochschulentwicklung (CHE, 'Centre for Higher Education Development'). You can find the CHE test results here (in German).
The information below is valid as of 1st July 2022.


  • Requirements


    • You are studying at a state institute of higher education in North Rhine-Westphalia
    • You are depending on financial aid to secure your living expenses
    • A guarantor MUST be provided as security (guarantors must have a residence in Germany, non-EU citizens need a permanent residence permit)
    • Age and number of semesters do not matter
  • Loan amount


    • The maximum amount is 12,000 euros
    • It is possible to split the total loan between the Bachelor’s and Master’s degrees
    • The loan is interest-free, only an administration fee of five percent is charged
  • Loan disbursement


    • Flexible arrangement of the amount of the monthly instalments is possible
    • The maximum instalment per month is 1,000 euros
  • Loan repayment


    • Repayment begins twelve months after the last funding instalment has been paid
    • Are you still studying at that time, the repayment can be deferred if necessary
    • The minimum instalment is 150 euros per month. Individual adjustment of the amount is possible
  • New


    • DAKA now offers an additional 6,000 euros for a study abroad
    • The same guidelines apply as for the DAKA loan at home
  • Data security

    Here you can find information (PDF) about the processing of personal data and about the rights you are entitled to when you apply for a Daka loan through the Studierendenwerk Münster.

  • Contact & Consultation

    If you have any questions or would like a consultation, please feel free to contact us.

    Contact person:
    Ms. Hülsmann
    Abteilung Studienfinanzierung
    Studierendenwerk Münster
    Bismarckallee 11
    48151 Münster
    Phone: 0251 837 9575
    E-mail: huelsmann@stw-muenster.de


    Telephone consultation hours
    Tuesday: 10 a.m – 12 p.m.
    Thursday: 1 – 3 p.m.

    More information is available under Daka Darlehenskasse der Studierendenwerke e.V. (the loan association of the Student Support Services, a registered voluntary association)