BAföG beantragen – Formblätter, Rechner, Rückzahlung & Co.

BAföG beantragen – Formblätter, Rechner, Rückzahlung & Co.

Das Bundesausbildungsförderungsgesetz, kurz BAföG, umschreibt finanzielle Leistungen, die junge Menschen in (Schul-)Ausbildung und Studium beziehen können. Die Höhe der Leistungen hängt von verschiedenen Faktoren ab und kann bis zu 735€ pro Monat betragen. In der Regel ist die Hälfte davon ein Darlehen welches 5 Jahre nach Ende des Förderungszeitraums zurückbezahlt werden muss. Außerdem besteht auch die Möglichkeit, BAföG während eines Auslandssemesters oder Auslandspraktikums zu beziehen.

Wie finde ich heraus, ob ich Anspruch auf BAföG habe?

Dies hängt von verschiedenen Faktoren ab:

1.       Die Einkommens- und Vermögenssituation der Familie (Eltern und Geschwister)

2.       Den Wert der eigenen Besitztümer und Kapital (darf 5000€ nicht übersteigen)

3.       Der Wohnort (bei den Eltern oder in Miete).

4.       Dem eigenen Einkommen (falls Du mehr als 450€ verdienst wird der Förderungsbetrag geringfügig kleiner ausfallen).

Um herauszufinden welcher Bafög Satz Dir zusteht, kannst Du mit diesem Rechner einen ungefähren Wert ermitteln.

Allgemein gilt die Altersgrenze von höchstens 30 Jahren, eine Ausnahme bildet hier das Meister BAföG (oder auch Master BAföG) mit 35 Jahren. Die Förderungshöchstdauer passt sich an die Regelstudienzeit Deines Studiengangs an. Allerdings kann die Förderungshöchstdauer auch in einigen Ausnahmefällen verlängert werden. Die Zahlung von Krankenkassenbeiträgen erhöht nur den Förderungsbetrag und beeinflusst nicht die Bewilligung des Antrags.

BAföG Antrag stellen

Das Erstellen eines BAföG Antrags ist an das Ausfüllen von vielen verschiedenen Formblättern gebunden, welche fristgerecht beim BAföG Amt eingehen müssen. Seit kurzem kannst Du den Antrag auch ohne zusätzliches Ausdrucken und Unterschreiben der Formblätter Online einreichen. Zuvor musste man trotz des Online Antrags einige Formblätter nochmals schriftlich und unterschrieben an das Amt schicken. Das Land Hessen unterstützt als erstes Bundesland Antragsteller mit einer App. Die App ermöglicht es Dir unter anderem, direkt Kontakt mit dem in Deiner Stadt zuständigen Amt aufzunehmen. Außerdem können Dokumente, wie z.B. der Steuerbescheid der Eltern, direkt per Foto in der App eingereicht werden. Neben den genannten Funktionen kannst Du auch den Status deines Antrags verfolgen. Die Formblätter kannst Du Dir kostenlos herunterladen. Des Weiteren brauchst Du die Steuerbescheide deiner Eltern, eine Meldebescheinigung (falls Du nicht bei deinen Eltern wohnst), Deinen Einkommensnachweis (falls Du nebenbei arbeitest). Ab dem zweiten Förderungsjahr ist eine Bescheinigung über den Fortschritt Deines Studiums von der Universität oder der Hochschule notwendig. Fallspezifisch können gegebenenfalls noch mehr Dokumente gefordert werden. Darüber wirst Du dann vom Amt oder direkt im Online Portal informiert.

BAföG Leistungen

Ein BAföG Antrag ist immer für maximal ein Jahr gültig und muss somit jedes Jahr neu gestellt werden. Dadurch kann auch die Höhe des jährlichen Förderungsbetrags variieren. Um auch nach dem BAföG Folgeantrag durchgängig Förderungsbeträge zu erhalten, solltest Du rechtzeitig die Fristen des zuständigen Amtes überprüfen und den Antrag dementsprechend stellen. Die softe Frist garantiert Dir eine Förderung von Beginn des Semesters an, wohingegen die harte Frist nur rückwirkende Zahlungen nach einigen Monaten garantiert.

Die BAföG Leistungen kommen in der Regel am Ende eines Monats für den darauffolgenden Monat bei Dir an.

Rückzahlung des BAföG Darlehens

Frühestens 5 Jahre nach dem Ende der Förderungshöchstdauer steht die Rückzahlung des Darlehens an. Danach meldet sich das BAföG Amt bei Dir und fordert die Rückzahlung des Darlehens ein. Die Rückzahlung kann sowohl in monatlichen Raten, als auch auf einmal erfolgen. Welche Option die beste für Dich ist kommt darauf an, wie viel Darlehen Du aufgenommen hast, denn der Rückzahlungsbetrag ist auf 10.000€ beschränkt, sofern Du die Ratenzahlung wählst. Wenn Du das Darlehen auf einmal zurückzahlen kannst, lohnt sich das gegebenenfalls, denn es wird Dir ein gewisser Prozentsatz an Rabatt auf Dein Darlehen gewährt. Allerdings existiert hier keine Obergrenze wie bei der Ratenzahlung, das heißt wenn Du mehr als 10.000€ Darlehen aufgenommen hast, wird der Rabatt auf diese Summe gerechnet. Anders als bei einem Studienkredit werden bei der Rückzahlung des BAföG Darlehens keine Zinsen fällig. Für die Rückzahlung haben wir Dir einen Rechner rausgesucht, damit Du die optimale Variante für Dich finden kannst.

Hier ein Beispiel:

Darlehensbetrag: 15.000€

Tilgung auf einen Schlag: Rabatt von 37% = 9.450€

Bei Ratenzahlung wären 10.000€ fällig.

Darlehensbetrag: 7.000€

Tilgung auf einen Schlag: Rabatt von 22,5% = 5.425€

Bei Ratenzahlung wären 7.000€ fällig.

Sobald die Tilgung auf einen Schlag trotz des prozentualen Rabatts die Grenze von 10.000€ überschreiten würde, macht eine Einmalzahlung keinen Sinn mehr und es greift die Ratenzahlung.

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