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Apply for hardship waiver of BAföG repayment debt after refusal of a cooperation waiver

Service Description

Your decision for or against a BAföG training loan should not lead you to fear of debt. You can apply for a hardship waiver if the cooperation waiver has been rejected.

Hardship is defined as a minor breach of your obligations to pay and cooperate throughout the repayment period.

Your application can

  • lead to a hardship waiver:
    • You will be forgiven the (remaining) debt on your BAföG loan.
  • 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).

Process flow

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 BVA telephone numbers provided.
    • Submit the application.
  • If you submit your application in writing:
    • Send the informal, as well as signed application - stating your reference number - by post to the BVA.
  • If you submit your application online:
    • Open the BVA's BAföG online portal and register there.
    • After registering, you will receive a confirmation by e-mail. Follow the steps in the e-mail to complete the registration.
    • Log in to the BAföG online portal.
    • Click on "Application forms" and select the "Hardship waiver" form via the "Submit application" button.
    • Complete the form and click on the "Send" button.
  • You will receive the decision on your application by post from the BVA.
  • If your application is approved, you are debt-free and no longer have to repay the loan.
  • If your application is rejected, you must repay the remaining loan debt, including any outstanding costs and interest, in one lump sum.

Requirements

You can submit an application if

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

Requirements for the hardship waiver:

  • within the repayment period
    • address tracing costs have been charged to you no more than once;
      • This happens if you have not notified the Federal Office of Administration (BVA) of a change in your name or residential address and the BVA has had to investigate this.
    • you have never been definitively fined;
      • Fines are levied if you have not reported changes in the relevant family and income circumstances during an exemption or deferral
    • you have settled all payment obligations, including claims for costs and interest;
      • interest on arrears has accrued for a maximum period of 150 days.

Note
Interest is always charged if you are more than 45 days in arrears with a payment.

Which documents are required?

  • none

What are the fees?

  • none

What deadlines do I have to pay attention to?

Application: within 1 month after rejection of the cooperation decree

Processing duration

  • Application processing time: 3 months

Legal basis

Appeal

  • Forms: no
  • Online procedure possible: yes
  • Written form required: no
  • Personal appearance: no

Further Information

Author

Forwarding service: Deep link to the original portal

The text was automatically translated based on the German content.

Technically approved by

Federal Ministry of Education and Research (BMBF)

Professionally released on

04.12.2020

Source: Zuständigkeitsfinder Thüringen (Linie6PLus)

Competent Authority

Bundesverwaltungsamt (BVA)

Address
Barbarastraße 1
50735 Köln, Stadt

Postal address
50728 Köln, Stadt
Telephone
+49 228 99358-0
Fax
+49 228 99358-2823
E-Mail
Contact us
WWW
Website of the Federal Office of Administration (BVA)
Opening times

Monday to Thursday: 8:00 am to 4:30 pm
Friday: 8:00 a.m. to 3:00 p.m.

Further Authorities