Apply for a hardship waiver of the BAföG repayment debt after rejection of a cooperation waiver Unfortunately this specification of service has not yet been completely translated.

If you have been denied cooperation forgiveness, you may be able to apply for hardship forgiveness of your loan under certain circumstances.

Your decision for or against a BAföG training loan should not lead you to fears of debt. Thus, you can apply for a hardship waiver if the cooperation waiver was rejected.

Hardship means only a minor breach of your obligations to pay and cooperate throughout the repayment period.

Your request may

  • lead to a hardship waiver:
    • You will have the (remaining) debt of your BAföG loan forgiven.
  • lead to a rejection:
    • You must repay the remaining debt in the amount of your BAföG loan including outstanding costs and interest.

You can submit your application informally

  • by telephone,
  • in writing and
  • online

at the Federal Office of Administration (BVA).

  • none
  • Forms: no
  • Online procedure possible: yes
  • Written form necessary: no
  • Personal appearance: no

Related Links

  • Link zum Online-Verfahren auf einer Internetseite des Bundesverwaltungsamts


You can submit an application if

  • You have been denied a cooperation waiver by the Federal Office of Administration (BVA).

Requirements for the hardship waiver:

  • within the repayment period
    • Address investigation charges have been levied against you on no more than 1 occasion;
      • This happens if you did not report the change in your name or changes in your home address and the Federal Administrative Office (BVA) had to determine them.
    • no fine has ever been imposed on you;
      • fines are levied if you have not notified changes in the relevant family and income circumstances during an exemption or deferral period
    • you have paid all outstanding debts, including costs and interest;
      • interest on arrears has accrued for a maximum period of 150 days in total.

Interest will be charged whenever you are more than 45 days in arrears on a payment.

Related Links

  • § 18 Absatz 12 Satz 2 bis 4 Bundesausbildungsförderungsgesetz (BAföG)
  • § 2 Verordnung über die Einziehung der nach dem Bundesausbildungsförderungsgesetz geleisteten Darlehen (DarlehensV)

Related Links

  • Informationen zum Härtefallerlass auf der Internetseite des Bundesverwaltungsamts
  • Informationen zum Kooperationserlass auf der Internetseite des Bundesverwaltungsamts
  • Aktuelle Informationen zu BAföG-Leistungen auf der Internetseite des Bundesverwaltungsamts

You can submit the application informally

  • by telephone
  • in writing and
  • online

at the Federal Office of Administration (BVA).

  • If you submit your application by telephone:
    • Call one of the telephone numbers provided by the BVA.
    • Make the application.
  • If you submit your application in writing:
    • Send the informal, as well as signed application - stating your reference number - by mail to the BVA.
  • If you submit your application online:
    • Open the BAföG online portal of the BVA and register there.
    • After registration you will receive a confirmation by e-mail. Follow the steps in the email to complete the registration.
    • Log in to the BAföG-Online Portal.
    • Click on "Application forms" and select the form "Hardship waiver" via the button "Submit application".
    • Fill out the form and press the button "Send".
  • You will receive the decision on your application by mail from the BVA.
  • If your application is approved, you will be debt free and will not have to repay the loan.
  • If your application is rejected, you will have to repay the remaining loan debt, including any outstanding costs and interest, in one lump sum.

Responsible for the content
Federal Ministry of Education and Research (BMBF)

Last update or date of publication