BAf\u00f6G is clearly becoming less and less attractive. The number of BAf\u00f6G recipients has fallen dramatically in recent years, even though the number of students has risen from 1.9 million in 2002 to 2.9 million in the winter term 2024\/25 (source: Statista). An above-average increase in the wealth of the general population with a loss of entitlement to BAf\u00f6G for their children cannot be the reason.<\/p>\n
The increase in funds disbursed is due to the increase in standard rates over the years. While the average BAf\u00f6G benefit in 2000 was still 326 euros per month for students, in 2020 it was 574 euros (source: destatis). Rising student numbers with no major upward shifts in family income and yet falling BAf\u00f6G benefits at the same time \u2013 what are the reasons?<\/p>\n
It is not true, but malicious tongues claim that the application process for BAf\u00f6G is intended as a defensive measure. Although there is now a digital process called \u2018BAf\u00f6G digital\u2019, the documents to be submitted have remained the same. Whether as a copy or a scan, the application process is time-consuming. If you would like an overview of the necessary forms, you can find them on the bafoeg.de website.<\/p>\n
Outside Baden-W\u00fcrttemberg, it is also quite common for grandparents or other family members to set up a building society savings account or other type of savings plan for their newborn grandchildren. Even a regular monthly contribution of just \u00a350 will result in a balance of \u00a310,800 by the age of 18. Unfortunately, for applicants under the age of 30, this is 800 euros too much. The allowance for capital assets in this age group is 10,000 euros (note: this is the allowance according to the officially filed application form. Another page of the responsible ministry mentions 15,000 euros).<\/p>\n
One of the main requirements for entitlement to BAf\u00f6G is the parents’ gross income. However, using gross income as a basis is illogical, as taxable income says much more about financial circumstances.<\/p>\n
For married parents, the upper limit for full BAf\u00f6G entitlement is a gross income of \u20ac41,500 per year. If the parents earn more, the entitlement to BAf\u00f6G is gradually reduced and ceases completely at a gross income of approximately \u00a378,000. However, there are also allowances. These apply not only to parents, but also to children, for example.<\/p>\n
<\/p>\n
| Income allowance for<\/p>\n <\/div>\n<\/th>\n Winter term 2025\/26<\/p>\n | <\/div>\n<\/th>\n<\/tr>\n<\/thead>\n\n Married parents<\/td>\n | 2,540\u20ac<\/td>\n<\/tr>\n | Single parents<\/td>\n | 1,690\u20ac<\/td>\n<\/tr>\n | Spouses<\/td>\n | 1,690\u20ac<\/td>\n<\/tr>\n | Step-parents<\/td>\n | 850\u20ac<\/td>\n<\/tr>\n | Per child (dependent)<\/td>\n | 770\u20ac<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n | \n \n Married parents<\/div>\n \n Winter term 2025\/26<\/div>\n 2,540\u20ac<\/div>\n<\/div>\n<\/div>\n \n Single parents<\/div>\n \n Winter term 2025\/26<\/div>\n 1,690\u20ac<\/div>\n<\/div>\n<\/div>\n \n Spouses<\/div>\n \n Winter term 2025\/26<\/div>\n 1,690\u20ac<\/div>\n<\/div>\n<\/div>\n \n Step-parents<\/div>\n \n Winter term 2025\/26<\/div>\n 850\u20ac<\/div>\n<\/div>\n<\/div>\n \n Per child (dependent)<\/div>\n \n Winter term 2025\/26<\/div>\n 770\u20ac<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n Another factor that influences the amount of BAf\u00f6G funding is where you live. Those who still live with their parents will receive a maximum of \u20ac534 per month in the 2025\/26 winter term, while those who have their own flat will receive \u20ac855. The \u20ac855 per month also covers all expenses such as rent and health insurance contributions.<\/p>\n Fear of debt<\/span><\/h2>\n |
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