Sprache erleben - B1 - Wie finanziere ich das Studium? Jobben, BaföG oder Studienkredite?
Experience Language - B1 - How do I finance my studies? Jobbing, BaföG or student loans?
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Ohne
without
Moos
moss
,
nix
nothing
los
going on
.
Without dough (money), nothing going on.
Wie
how
finanziere
finance
ich
I
ein
a
Studium
study
?
How do I finance my studies?
Wer
who
studieren
studies
möchte
wants to
,
braucht
needs
Geld
-
viel
a lot of
Geld
.
If you want to study, you need money - a lot of money.
Durchschnittlich
on average
verbraucht
spends
ein
a
Student
student
oder
or
eine
a
Studentin
female student
etwa
around
650
650
Euro
euros
im
in the
Monat
month
.
On average, a student spends around 650 euros a month.
Das
the
Geld
geht
goes
drauf
up
für
for
Wohnung
apartment
,
Essen
food
,
Bücher
books
und
and
PC
personal computer
,
Studiengebühren
study fees
sowie
and also
Semesterticket
semester tickets
,
Klamotten
duds
und
and
sonstige
other
Dinge
things
,
die
that
ein
a
Student
student
so
so
braucht
needs
.
The money goes for apartment, food, books and PCs, tuition fees and semester tickets, clothes and other things that a student needs.
Doch
but
woher
where
kann
can
man
one
all
all
das
the
Geld
dafür
for that
bekommen
get
?
But where can you get all that money from?
Die
the
erste
first
Möglichkeit
option
:
Jobben
to job
The first option: job
Wenn
if
euch
you
das
the
Studium
study
die
the
Möglichkeit
opportunity
lässt
gives
,
nebenher
on the side
zu
to
jobben
work
,
ist
is
das
this
sinnvoll
making sense
.
If your studies give you the opportunity to work on the side, that makes sense.
Idealerweise
ideally
in
in
einem
an
Bereich
area
,
in
in
dem
which
man
you
später
later
auch
also
arbeiten
work
möchte
would like to
.
Ideally in an area in which you would also like to work later.
Damit
so that
ihr
you
euer
your
Kindergeld
child benefit
nicht
not
riskiert
risk
,
oder
or
euch
you
möglicherweise
possibly
selbst
for yourself
sozialversichern
take out social insurance
müsst
have to
,
dürft
shouldn't
ihr
you
nicht
not
zu
too
viel
much
verdienen
earn
.
So that you don't risk your child benefit or possibly have to take out social insurance for yourself, you shouldn't earn too much.
Wenn
if
ihr
you
sogar
even
BAföG
BAföG
bekommt
get
,
dürft
not allowed are
ihr
you
nebenher
on the side
nicht
not
mehr
more
als
than
400
400
Euro
euros
brutto
gross
monatlich
per month
,
beziehungsweise
respectively
4.800
4,800
Euro
euros
im
per
Jahr
year
hinzuverdienen
earn a bit extra
.
If you even get BAföG, you are not allowed to earn more than EUR 400 gross per month or EUR 4,800 per year on the side.
Ansonsten
otherwise
wird
will be
euch
you
der
the
Mehrverdienst
additional earnings
vom
from the
BAföG
BAföG
abgezogen
deducted
.
Otherwise, the additional earnings will be deducted from the BAföG.
Ab
from
dem
the
25
25th
Lebensjahr
year of age
sieht
looks
das
that
alles
all
wieder
again
anders
differently
aus
out
,
so
so
dass
that
eine
a
genauere
more detailed
Prüfung
examination
notwendig
necessary
wird
will be
.
From the age of 25 everything looks different again, so that a more detailed examination is necessary.
Zweite
second
Möglichkeit
possibility
:
Die
the
lieben
dear
Eltern
parents
Second possibility: the dear parents
Für
for
viele
many
sind
are
nach
after
wie
like
vor
before
die
the
Eltern
parents
die
the
größten
biggest
Sponsoren
sponsors
,
denn
because
in
at
erster
first
Linie
line
sind
are
eure
your
Eltern
parents
für
for
die
the
Kosten
costs
eures
of your
Lebensunterhalts
living
während
during
des
the
Studiums
study
verantwortlich
responsible
.
For many, parents are still the biggest sponsors, because your parents are primarily responsible for the cost of your living while studying.
Sie
you
werden
will be
,
bis
until
zur
to
Vollendung
completion
eures
of your
25
25
.
Lebensjahres
year of life
,
mit
with
184
184
Euro
euros
Kindergeld
child benefit
im
in the
Monat
month
vom
by the
Staat
state
unterstützt
supported
.
You will be supported with 184 euros per month in child benefit until the completion of your 25th year of life.
Dritte
third
Möglichkeit
option
:
BAföG
BAföG
Third option: BAföG
Bei
at
.
einem
a
Drittel
third
der
of the
Studenten
students
reicht
lasts
das
the
Einkommen
income
der
of the
Eltern
parents
zur
for the
Unterstützung
support
nicht
not
aus
out
.
At approx. one third of the students do not have enough parents' income to support them.
Hier
here
tritt
steps
der
the
Staat
state
auf
on
den
the
Plan
plan
und
and
hilft
helps
euch
you
,
durch
through
das
the
BAföG
BAföG
euer
your
Studium
study
zu
to
finanzieren
finance
.
This is where the state comes in and helps you to finance your studies through BAföG.
Liegt
is located
das
the
Einkommen
income
der
of the
Eltern
parents
unter
below
einer
a
vom
by the
Gesetzgeber
legislator
festgelegten
predefined
Grenze
limit
,
erhaltet
get
ihr
you
möglicherweise
possibly
BAföG
BAföG
.
If the parents' income is below a limit set by law, you may receive BAföG.
Allerdings
indeed
sind
are
die
the
BAföG-Berechnungen
BAföG calculations
sehr
very
kompliziert
complicated
.
However, the BAföG calculations are very complicated.
Daher
therefor
unser
our
Tipp
tip
:
Wendet
contact
euch
you
an
to
das
the
Studentenwerk
student union
der
of the
nächstgelegenen
nearest
Hochschule
university
.
Hence our tip: Contact the student union at the nearest university.
Dort
there
berechnet
calculate
man
one
euch
you
euren
your
zu
to
erwartende
expected
BAföG-Anspruch
BAföG entitlement
anhand
based on
der
the
Einkommenssteuererklärung
income tax return
eurer
of you
Eltern
parents
vom
from the
vorletzten
before last
Jahr
year
.
There you will calculate your expected BAföG entitlement based on the income tax return of your parents from the year before last.
Diese
these
Berechnungen
calculations
sind
are
sehr
very
zuverlässig
reliable
und
and
erlauben
allow
euch
you
eine
a
bessere
better
Planung
planning
.
These calculations are very reliable and allow you to plan better.
Den
the
Antrag
application
solltet
schould
ihr
you
auf
in
jeden
any
Fall
case
einreichen
submit
,
denn
because
nur
only
die
the
Profis
professionals
dort
there
können
can
sagen
say
,
ob
whether
eure
your
Eltern
parents
zu
too
viel
much
verdienen
earn
.
You should definitely submit the application, because only the professionals there can tell whether your parents earn too much.
Übrigens
by the way
,
nicht
not
alles
everything
,
was
what
ihr
you
an
in
BAföG
BAföG
bekommt
get
,
müsst
have to
ihr
you
auch
as well
zurückzahlen
pay back
.
By the way, you don't have to pay back everything you get in BAföG.
Die
the
Obergrenze
upper limit
liegt
is located
bei
at
nur
only
50
50
Prozent
percent
.
The upper limit is only 50 percent.
Das
that
bedeutet
means
,
ihr
you
müsst
have to
maximal
maximally
die
the
Hälfte
half
eures
of your
erhaltenen
received
Geldes
money
zurückerstatten
pay back
.
This means that you have to refund a maximum of half of the money you received.
Die
the
Rückzahlung
repayment
ist
is
dabei
at it
maximal
maximally
auf
to
10.000
10,000
Euro
euros
begrenzt
limited
und
and
beginnt
starts
fünf
five
Jahre
years
nach
after
eurem
your
Studienende
completion of studies
in
in
Raten
installments
.
The repayment is limited to a maximum of 10,000 euros and begins five years after you have finished your studies in installments.
Wenn
if
ihr
you
es
it
schafft
manage
,
alles
everything
in
in
einem
one
Betrag
amount
zurück
back
zu
to
zahlen
pay
,
erhaltet
get
ihr
you
einen
an
weiteren
further
Nachlass
discount
von
of
50
50
Prozent
percent
.
If you manage to pay everything back in one amount, you will receive another 50 percent discount.
Billiger
cheaper
kommt
come
ihr
you
an
on
kein
no
Geld
.
You won't get any cheaper money.
Vierte
fourth
Möglichkeit
option
:
Studienbeitragsdarlehen
student loan
Fourth option: student loan
Wer
who
BAföG
BAföG
bekommt
gets
,
sollte
should
sich
himself
auch
also
über
about
ein
a
sogenanntes
so-called
Studienbeitragsdarlehen
tuition fee loan
informieren
inform
.
Those who receive BAföG should also find out about a so-called tuition fee loan.
In
in
einigen
some
Bundesländern
federal states
könnt
can
ihr
you
eure
your
Studiengebühren
study fees
über
with
dieses
this
Darlehen
loan
finanzieren
finance
,
welches
which
später
later
mit
against
dem
the
BAföG
BAföG
verrechnet
offset
wird
will be
.
In some federal states you can finance your tuition fees with this loan, which will later be offset against the BAföG.
Und
and
wenn
when
wir
we
schon
already
mal
once
beim
at
Geldleihen
borrowing money
sind
are
,
die
the
fünfte
fifth
Möglichkeit
opportunity
:
Studienkredite
student loans
.
And while we're at borrowing money, the fifth option: student loans.
Wer
who
einen
a
Studienkredit
student loan
aufnimmt
takes
,
sollte
should
dies
this
vorher
beforehand
genau
carefully
prüfen
check
.
Anyone who takes out a student loan should check this carefully beforehand.
Das
the
von
from
Banken
banks
geliehene
borrowed
Geld
müsst
have
ihr
you
später
later
wieder
again
zurückzahlen
to pay back
und
and
das
this
mit
with
Zinsen
interest
.
You have to pay back the money borrowed from banks later, with interest.
Zwar
indeed
sind
are
die
those
oft
often
günstiger
cheaper
als
than
bei
at
normalen
normal
Krediten
loans
,
aber
but
dennoch
nevertheless
ist
is
Vorsicht
caution
angebrach
requiered
,
damit
so that
ihr
you
nicht
not
mit
with
einem
a
großen
large
Schuldenberg
mountain of debt
ins
into the
Berufsleben
professional life
startet
start
.
Although they are often cheaper than normal loans, caution is required so that you do not start your professional life with a large mountain of debt.
Allerdings
however
können
can
Studienkredite
student loans
eine
a
gute
good
Überbrückung
bridging
sein
be
,
wenn
when
ihr
you
keine
no
Gelegenheit
opportunity
habt
have
zu
to
jobben
work
.
However, student loans can be a good bridge if you don't have an opportunity to work.
Sechste
sixth
Möglichkeit
option
:
Stipendien
scholarships
Sixth option: scholarships
In
in
Deutschland
Germany
ist
is
es
it
recht
quite
schwer
difficult
,
an
on
Stipendien
scholarships
zu
to
kommen
come
.
Weniger
fewer
als
than
zwei
two
Prozent
percent
der
of the
Studierenden
students
bekommen
get
eines
one
.
It is very difficult to get scholarships in Germany. Less than two percent of students get one.
Nachfragen
to inquire
lohnt
is worth
sich
it
trotzdem
still
,
denn
because
viele
many
Stipendiengeber
scholarship providers
gehen
go
bei
for
der
the
Vergabe
awarding
der
of the
finanziellen
financial
Förderung
support
nicht
no
mehr
longer
nur
just
nach
for
gute
good
Noten
grades
,
sondern
but
bewerten
evaluate
auch
also
soziales
social
und
and
ehrenamtliches
voluntary
Engagement
commitment
.
Inquiries are still worthwhile, because many scholarship providers no longer only go for good grades when awarding financial support, but also evaluate social and voluntary commitment.
Also
so
ihr
you
seht
see
,
es
it
gibt
has
schon
yet
eine
a
Menge
lot of
Möglichkeiten
opportunities
,
irgendwie
somehow
an
on
Kohle
bucks
für's
for the
Studium
study
zu
to
kommen
come
.
So you see, there are a lot of ways to somehow get some money for studying.
Dennoch
nevertheless
lohnt
is worth
sich
it
der
the
Aufwand
effort
und
and
die
the
hohe
high
Investition
investment
zahlt
pays
sich
itself
für
for
die
the
meisten
most
später
later
auch
even
wieder
again
aus
off
.
Nevertheless, the effort is worthwhile and the high investment pays off for most of them later.
Wenn
if
ihr
you
mehr
more
erfahren
learn
wollt
want
,
besucht
visit
unsere
our
Webseite
website
www
www
.
finnzieren-studium
finnzieren-studium
.
de
de
.
If you want to find out more, visit our website www.finnzieren-studium.de.
Dort
there
findet
find
ihr
you
alle
all
notwendigen
necessary
Infos
information
und
and
unsere
our
Checkliste
checklist
zur
for the
Studienfinanzierung
funding for your studies
.
There you will find all the information you need and our checklist for financing your studies.
Übrigens
incidentally
auch
also
für
for
viele
many
andere
other
Länder
countries
der
in the
Welt
world
.
Incidentally, also for many other countries in the world.
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Experience Language - B1 - How do I finance my studies? Jobbing, BaföG or student loans?
