The so-called Vocational Training Promotion Act – BAföG for short – is intended to ensure that young people and young adults in Germany can complete exactly the training that suits them. If parents cannot support their offspring financially or cannot make a living from their own means, the law applies. In this way, the state undertakes to ensure that its citizens get their school qualifications, training or studies. But how much is the BAföG funding and how is it calculated?
Calculating BAföG: What do pupils and students get?
BAföG is not the same as BAföG. A distinction is made between the types of funding as a grant or as a loan. According to the Federal Ministry of Education and Research (BMBF), those who still go to school and are dependent on support receive a full subsidy from the 10th grade. So the money does not have to be paid back. However, the funding is usually somewhat lower than for students.
As the Ministry on bafög.de writes, students generally receive half of the BAföG grant that does not have to be repaid. The other half is made available as an interest-free loan.
Calculating BAföG: How is the requirement rate determined?
In order to calculate the BAföG that you are entitled to, your personal needs must first be determined. This is calculated according to the so-called requirement rate and depends on the volume nettolohn.de according to the type of training facility, marital status, number of children and whether those affected live alone or with their parents. However, the BMBF makes it clear that individual needs are not taken into account. Instead, flat rates are used that take into account the average cost of living and education.
This results in loud bafög.de the following funding:
- If you attend a secondary general school or vocational school from the 10th grade or a technical or technical college that does not require completed vocational training, …
> Those affected who live with their parents do not receive any funding, whether with or without health and long-term care insurance supplement of 122 euros.
> Affected persons who do not live with their parents receive 632 euros, with KV and PV surcharge the maximum rate is 754 euros.
- If you attend a vocational school or technical school class that provides a vocational qualification in a course of at least two years, but does not require completed vocational training, …
> Affected people who live with their parents receive 262 euros and 384 euros with KV and PV surcharge.
> Those affected who do not live with their parents receive EUR 632 and a maximum of EUR 754.
- If you attend an evening school, a secondary school or a vocational training school or a technical college class that requires a completed vocational training, …
> Those affected who live with their parents receive 474 euros and 596 euros with a surcharge.
> Those affected who do not live with their parents receive 736 euros and a maximum of 858 euros.
- If a technical school class, which requires a completed vocational training, attends an evening school or a college, …
> Those affected who live with their parents receive 480 euros and 602 euros with a surcharge.
> Those affected who do not live with their parents receive 781 euros and a maximum of 903 euros.
- If you attend a higher technical school, academy or university, …
> Those affected who live with their parents receive 511 euros and 633 euros with KV and PV surcharge.
> Those affected who do not live with their parents receive 812 euros and a maximum rate of 934 euros with a surcharge.
It is important to note that the requirement rate does not yet indicate the actual amount of the BAföG. From the matching sentence become loud bafög.de nor the own existing income and assets as well as that of spouses or life partners and that of the parents are deducted.
Calculate BAföG: What income is taken into account?
If a suitable requirement rate has been selected, certain incomes are deducted from it. If the BAföG recipient has an income themselves, this is announced nettolohn.de credited from a monthly income of more than 520 euros. According to the BMBF, income tax and church tax, lump sums for social security – i.e. in particular health, unemployment and pension insurance – as well as the old-age relief amount are also deducted from income.
Incidentally, for parents and partners, the salary from the year before last is taken as the basis for calculating the BAföG entitlement. The recipients themselves are concerned with their current assets.
Calculating BAföG: Which allowances apply?
According to the information provided by bafög.de not fully credited to the BAföG requirement rate. There are certain allowances here.
There is an allowance of 2415 euros for parents if they live together. With a single parent it is 1605 euros, with a step-parent it is 805 euros and per child 730 euros are free.
Spouses or life partners of BAföG recipients have an allowance of 1605 euros and also 730 euros per child.
For example, anyone who earns money with a job during the holidays can also benefit from tax exemptions. A flat rate of 1200 euros for advertising expenses and a social flat rate of 21.6 percent are taken into account. The remaining amount will be noisy bafög.de divided by the number of months of the grant period. An allowance of 330 euros per month is then deducted.
If you earn 520.92 euros per month or 6251.04 euros gross per year, nothing will be deducted from the requirement rate.
Calculate BAföG: Which assets are counted?
Your own assets – not those of your partner or parents – are also taken into account for BAföG funding if they exceed EUR 15,000. If you are over 30 years old, you can even set aside 45,000 euros. The allowance increases for BAföG recipients who have children or a partner, by 2300 euros per person, writes bafög.de.
But how is the remaining wealth counted? According to the BMBF, it is divided by the number of calendar months in the approval period and then counted towards the monthly requirement.
After all the deductions listed above, the individual amount for the BAföG results.
2023-05-05 20:02:38
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