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Schleswig-Holstein

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

Source: Zuständigkeitsfinder Schleswig-Holstein (Linie6PLus)

Service Description

Your decision for or against a BAföG education 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 violation of your obligations to pay and cooperate throughout the repayment period.

Your request may

  • Result in a hardship waiver:
    • You will be forgiven the (remaining) debt of 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 send the request 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 phone numbers provided.
    • Make the request.
  • If you make 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 "Hardship Waiver" form by clicking on the "Submit Application" button.
    • 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 denied, you will have to 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 denied a cooperation waiver by the Federal Administrative Office (BVA).

Requirements for the hardship waiver:

  • Within the repayment period
    • address investigation costs have been levied against you no more than 1 time;
      • this happens if you have not notified the change of your name or the changes of your residential address and the Federal Office of Administration (BVA) had to determine them
    • no final fine has ever been imposed on you;
      • Fines are levied if you have not reported changes in the relevant family and income circumstances during an exemption or deferral period
    • you have settled all payment obligations, including claims for costs and interest;
      • you have accrued interest on arrears for no more than a total of 150 days.

Note
Interest is charged whenever you are more than 45 days in arrears on 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
Author
Technically approved by

Federal Ministry of Education and Research (BMBF)

Process flow

You can send the request 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 phone numbers provided.
    • Make the request.
  • If you make 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 "Hardship Waiver" form by clicking on the "Submit Application" button.
    • 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 denied, you will have to 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 denied a cooperation waiver by the Federal Administrative Office (BVA).

Requirements for the hardship waiver:

  • Within the repayment period
    • address investigation costs have been levied against you no more than 1 time;
      • this happens if you have not notified the change of your name or the changes of your residential address and the Federal Office of Administration (BVA) had to determine them
    • no final fine has ever been imposed on you;
      • Fines are levied if you have not reported changes in the relevant family and income circumstances during an exemption or deferral period
    • you have settled all payment obligations, including claims for costs and interest;
      • you have accrued interest on arrears for no more than a total of 150 days.

Note
Interest is charged whenever you are more than 45 days in arrears on 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

Author

Technically approved by

Federal Ministry of Education and Research (BMBF)

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