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

Source: Zuständigkeitsfinder Schleswig-Holstein (Linie6Plus)

Service Description

If the cooperation waiver has been rejected, you can apply for a hardship waiver of your loan under certain conditions.

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
Applications / forms
  • Forms: no
  • Online procedure possible: yes
  • Written form required: no
  • Personal appearance: no
Weiterführende Informationen
Author
Forwarding service: Deep link to the original portal

The text was automatically translated based on the German content.

Teaser

If the cooperation waiver has been rejected, you can apply for a hardship waiver of your loan under certain conditions.

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

Applications / forms

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

Weiterführende Informationen

Author

Forwarding service: Deep link to the original portal

The text was automatically translated based on the German content.

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