Funding
BAföG
What is it? State funding (part grant, part interest-free loan). Applies at mdh just as it does at state universities.
Who can use it? Income- and asset-dependent; mainly for German students (international students may qualify under certain conditions – see below).
Good to know: The responsible office is in Berlin (where the university is, not where you live). Not retroactive – apply early.
Use the BAföG calculator in advance.
Contact: Amt für Ausbildungsförderung, Behrenstraße 40/41, 10117 Berlin · 030 93939-70 · berlin-bafoeg.de · Hotline 0800 2236341
KfW Student Loan
What is it? A loan from the state-owned KfW bank, independent of your income (or your parents').
Who can use it? German citizens with a German registered address; or EU citizens who have lived in Germany for 3+ years; or international students with a German university entrance qualification and a German registered address.
Terms: €100–650/month · no collateral · repayment over up to 25 years · combinable with BAföG.
Important: Apply at least 14 days before the semester starts, with your enrolment certificate. Hotline 0800 539 9003.
mdh Education Fund (Brain Capital)
What is it? "Study first, pay later." The fund covers your tuition fees; you repay income-dependently after graduation, over a maximum of 10 years.
Who can use it? A confirmed study place + a high school GPA better than 3.0. Open to EU citizens and citizens of the UK, Iceland, Liechtenstein, Norway, Switzerland, Canada, the USA, Australia, and New Zealand.
Good to know: Repayment starts only once you earn €25,000 or more. Combinable with BAföG. → braincapital.de
Bildungskredit & other scholarships
Bildungskredit: low-interest federal loan for German citizens aged 18–36 in higher semesters or a Master's program. €300/month, up to €7,200 total. → bildungskredit.de
Deutschlandstipendium: €300/month, merit-based, open to all nationalities, not counted against BAföG. (Check in advance whether mdh participates.)
Others: Aufstiegsstipendium (BMBF), Stiftung Horizont, Klaus-Murmann Foundation. Search: stipendiensuche.de · mystipendium.de · stipendienlotse.de
KfW Student Loan
If you've lived in Germany for 3+ years (see above).
Austrian Mobility Scholarship
For a full degree program in an EEA country or Switzerland; paid out after 15 ECTS credits. → stipendium.at
Deutschlandstipendium
Open to all nationalities.
Erasmus+
EU funding for exchange periods.
DAAD (German Academic Exchange Service)
Germany's largest funding organisation for international students.
Note: most DAAD scholarships target Master's and doctoral students, not first-time Bachelor's students – check for the programme line that fits. → daad.de
Deutschlandstipendium
Open to all nationalities, including Bachelor's students.
mdh Education Fund
Open to, among others, citizens of the UK, Switzerland, Canada, the USA, Australia, and New Zealand. → braincapital.de
BAföG for international students
Possible under certain conditions; the BAföG office can advise you.
Funding works differently there — e.g. via the Bildungsgutschein (education voucher) from the Agentur für Arbeit (Federal Employment Agency). This doesn't apply to the Bachelor's programmes. → More on funding for evening courses