If you are studying, you will generally only receive half of your BAföG as a grant. The other half is paid as an interest-free loan, which you have to pay back. You will receive the request from the Federal Office of Administration for this about 4.5 years after the end of the standard period of study. No matter how high your BAföG loan is, you have to pay back a maximum of EUR 10,000. For those who received BAföG funding for the first time from 01.08.2019 or later, a maximum of 77 monthly instalments of EUR 130.00 each must be repaid (i.e. a maximum of EUR 10,010 in total; repayment instalments reduced on application depending on income count as full monthly instalments, so the total repayment amount can then also be lower, even if a total of more than EUR 10,010 was paid out as a loan). If you want to pay at least EUR 500.00 before the start of the repayment period, you can receive a discount and have to repay less. You receive the largest possible discount if you pay the full amount in one go before the start of the repayment period. In principle, you do not have to pay any interest on the BAföG loan and you have up to 20 years to repay it. The amount of the monthly repayment instalment is EUR 130. The instalments are paid every 3 months in the amount of EUR 390. If you have a low income, you can apply for a deferment of the repayment obligation of your BAföG loan or for the payment of lower instalments ("income-dependent repayment"). If you pay an instalment more than 45 days late, you will incur reminder fees and interest. At the end of the 20-year repayment period, the Federal Office of Administration will automatically check to see if you can have the remaining loan debt forgiven. You can be released from the remaining debt if you received BAföG funding with a loan component for the first time as of 01.08.2019, were not financially able to repay the BAföG loan in full, and you have fulfilled your payment and cooperation obligations during the entire repayment period.