KfW-Student loan

The KfW (i.e. Reconstruction Credit Institute) student loan offers students an additional option for financing their studies – regardless of their own income/assets or those of their parents.

  • Who is eligible?


    • Germans, EU citizens with a three-year stay in Germany as well as their family members and all foreign students
    • students in their first-degree programme or consecutive Master’s programme, or in a second or part-time degree programme at a state or state-recognised German higher education institution
    • start of funding in staged age limit up to a maximum of 44 years of age
  • Benefits


    • independent of income and assets
    • grants between € 100 and € 650 per month
    • financial support up to the 14th semester (depending on starting age)
  • Interest rate and repayment


    • variable interest rate with an adjustment to the capital market development on April 1st and October 1st each year; possibility of fixed interest rate agreement for the repayment phase
    • variable interest rate 3.95 percent (October 2016), new interest rates every six months
    • fixed interest rate in the repayment period, e.g., 4.52% for 10 years (April 2015)
    • repayment after 25 years, at the latest by the age of 67
  • Consultation and placement

    If you have any questions or would like an initial consultation, please contact us in advance during the consultation hours given below.

    Contact person:
    Ms. Hülsmann
    Abteilung Studienfinanzierung
    Studierendenwerk Münster
    Bismarckallee 11
    48151 Münster
    Phone: 0251 837 95 75
    E-mail: huelsmann@stw-muenster.de

    Consultation hours
    Tuesday: 10 a.m. – 12 p.m.
    Thursday: 1-3.00 p.m.

    Information is also available at KfW-Studienkredit (i.e. KfW student loans).