responsibility finder
Schleswig-Holstein

Apply for a loan or need grant for training

Source: Zuständigkeitsfinder Schleswig-Holstein (Linie6PLus)

Service Description

During (extra-)vocational training or, for example, a vocational preparation program, you may have a supplementary claim to a citizen's allowance. However, you should primarily claim vocational training allowance or training allowance.

The same applies if you are a student in a school-based training program and receive benefits under BAföG. Even if you receive BAföG during your studies and live in your parents' household, you can receive supplementary citizen's benefits. Therefore, the following benefits are not relevant for you.

If you are studying and do not live with your parents, are in training and are not entitled to educational support under BAföG (for example, because you have exceeded the maximum period of support or the age limit), or are in training and are accommodated in a boarding school, the following benefits are relevant for you:

Benefits for supplementary additional needs.

Under certain conditions, you can apply for a subsidy for so-called additional needs in addition to the educational support (for example, BAföG benefits). These include:

  • Additional needs for expectant mothers
  • Additional needs for single parents
  • Additional needs for medically necessary cost-intensive nutrition
  • Additional needs if there is an unavoidable, ongoing and not just one-time special need in the individual case (for example, costs for exercising the right of access).

If you have income that exceeds your standard needs and the costs of your accommodation and heating, the excess amount reduces the benefit for additional needs.

Initial equipment in case of pregnancy and birth

If you are pregnant or have given birth to a child, you are entitled to additional financial support for initial equipment, for example, clothing or furniture. The condition is that you are in a financial emergency situation.

Hardship loan

In cases of special hardship, you can receive a loan during your education. This is possible if exceptional, serious circumstances endanger your education and/or you find yourself in an emergency situation that threatens your existence.

You can receive a hardship loan if you do not receive BAföG or if your BAföG benefits are not sufficient to cover your living expenses and you are not in a position to remedy the situation by taking up gainful employment.

You must repay the interest-free hardship loan after completing your education.

Hardship grant

If you are a student in a school-based training program and do not receive a training grant because you have exceeded certain age limits and are a hardship case, you may be eligible for a grant if it is absolutely necessary for your integration into working life. The allowance can be paid for

  • Standard and additional needs,
  • Requirements for accommodation and heating,
  • contributions to health and long-term care insurance.

The age limit for educational grants is generally 45 years; other exceptions are possible.

Students cannot receive a hardship grant, only a hardship loan.

Transitional loan

If you are already receiving basic welfare benefits and are starting an education, you can receive a transitional loan for the first month. This loan can help you bridge a financial gap until you receive your first training allowance or training grant. It prevents your start in training from being jeopardized. It is only granted for the first month of training and is paid at the beginning of the month. The amount is based on the citizen's allowance.

You must repay the interest-free loan after completing your training.


Process flow

You must apply for a loan or grant. The application can be made informally. Alternatively, you can also apply using the online application for the citizen's allowance.

  • Find out about the application procedure at the job center responsible for your place of residence.
  • Benefits for supplementary additional needs must be applied for. Application forms are available for this purpose, which you can pick up at the job center or have sent to you. You can also find the forms on the Internet.
  • If necessary, your responsible Jobcenter will use a separate application form to apply for a loan, a hardship allowance, or initial equipment for pregnancy and birth. Your job center will tell you which documents you need to submit for your particular case.
  • Fill out the application form.
  • If you are under the age of majority, have a parent or guardian sign the application.
  • The job center will review your application.
  • The Jobcenter will check your assets and income.
  • The Jobcenter will make a decision on a case-by-case basis.
    • Hardship allowance: The responsible placement specialist decides whether the requirements for an allowance are met.
  • You will receive a decision as to whether your application has been approved or rejected.
  • If you are granted a loan, the job center will agree with you when and how you will repay the money.
Who should I contact?

You can find the job center responsible for you via the Service Center Finder on the website of the Federal Employment Agency.

Competent authority

You can find the job center responsible for you via the Service Center Finder on the website of the Federal Employment Agency.

Requirements

If you find yourself in a financial emergency situation at the start of or during your training, you can apply for trainee benefits. The following applies:

Generally

  • As a trainee or apprentice, you are not entitled to social benefits such as citizen's allowance, and
  • You are in a financial emergency situation and
  • You cannot provide for your own living expenses.

As a rule, you can benefit from the above-mentioned benefits:

    • Students who do not live with their parents
    • Trainees who have reached the legal BAföG age limit
    • Trainees in a vocational training program or a vocational preparation training program who are accommodated with full board
      • in a boarding school or
      • in a dormitory.
  • Trainees with disabilities who are entitled to training allowance, for example during vocational training, a vocational preparation training measure or basic training and who are accommodated
    • in a boarding school
    • in a residential home or
    • in a special institution for people with disabilities,

if the costs of accommodation and meals are covered by the Employment Agency or another benefit provider.

Loan in general

  • Without a loan, the start of your training or its successful completion would be jeopardized for financial reasons.

Hardship loan

  • You are not able to earn extra money through a part-time job, for example because
    • you are a single parent or
    • you have a disability or
    • you are caring for a relative or
    • your residence title in Germany does not allow it.
  • You can be classified as a hardship case if exceptional, serious circumstances endanger your education and/or you find yourself in an emergency situation that threatens your existence.

Hardship grant

  • You are at least 45 years old and can therefore no longer receive BAföG due to your age and
  • You are in a school education, without whose completion your professional integration is seriously endangered, but you are not studying.
  • You can be classified as a hardship case if exceptional, serious circumstances endanger your education and/or you find yourself in an emergency situation that threatens your existence.
Which documents are required?
  • Application Forms:
    • The application for benefits for trainees and students according to § 27 SGB II can be made informally. In principle, it is submitted with the main application ("Application for benefits to secure subsistence according to the Second Book of the Social Code (SGB II)"). However, so that the job center can obtain the information from the applicant that it needs to check the entitlement to benefits and, if applicable, its amount, the job center may provide its own forms.
  • Valid identification document:
    • Identity card or
    • valid passport with current registration certificate
    • Residence permit
  • Proof of income, e.g. a wage statement or current bank statements (e.g. for pensions, sick pay, child benefit, alimony, advance alimony, training allowance, BAföG)
  • Proof of training or studies (e.g. training or matriculation certificate)
  • Proof of existing assets (e.g. savings, shares, securities, building society savings contracts)
  • Proof of expenses, for example by presenting bank statements (or, for example, rental agreement, rent receipts, heating costs, documents on insurance premiums)
  • Evidence of previous receipt of benefits, also from another job center (notice of approval, proof of benefits)
What are the fees?

You do not have to pay any costs if you have an account. If you do not have an account, you will receive a payment order to clear for a cash payment (ZzV-Bar). This is a check. However, this will incur a cost that will be deducted directly from the benefit to which you are entitled. Since the amount of the costs for the payment order can vary, please contact your responsible job center for more information. You can have the check paid out in cash. The payment is made exclusively through Postbank branches. The ZzV cash is a means of payment of Postbank AG, the use of which has been agreed separately between the Federal Employment Agency and Postbank.

What deadlines do I have to pay attention to?

There is no time limit. However, benefits will not be paid until the first day of the month in which you file the application.

Therefore, note that you apply as soon as possible when you become aware of your financial need or when it becomes apparent, and not after the fact.

Legal basis
Appeal
  • Objection
  • Urgent proceedings before the social court
  • Action before the social court
Applications / forms

Forms available: Yes
Written form required: No
Informal application possible: Yes
Personal appearance required: No
Online services available: Yes

Technically approved by

Federal Ministry of Labor and Social Affairs (BMAS)

Process flow

You must apply for a loan or grant. The application can be made informally. Alternatively, you can also apply using the online application for the citizen's allowance.

  • Find out about the application procedure at the job center responsible for your place of residence.
  • Benefits for supplementary additional needs must be applied for. Application forms are available for this purpose, which you can pick up at the job center or have sent to you. You can also find the forms on the Internet.
  • If necessary, your responsible Jobcenter will use a separate application form to apply for a loan, a hardship allowance, or initial equipment for pregnancy and birth. Your job center will tell you which documents you need to submit for your particular case.
  • Fill out the application form.
  • If you are under the age of majority, have a parent or guardian sign the application.
  • The job center will review your application.
  • The Jobcenter will check your assets and income.
  • The Jobcenter will make a decision on a case-by-case basis.
    • Hardship allowance: The responsible placement specialist decides whether the requirements for an allowance are met.
  • You will receive a decision as to whether your application has been approved or rejected.
  • If you are granted a loan, the job center will agree with you when and how you will repay the money.

Who should I contact?

You can find the job center responsible for you via the Service Center Finder on the website of the Federal Employment Agency.

Competent authority

You can find the job center responsible for you via the Service Center Finder on the website of the Federal Employment Agency.

Requirements

If you find yourself in a financial emergency situation at the start of or during your training, you can apply for trainee benefits. The following applies:

Generally

  • As a trainee or apprentice, you are not entitled to social benefits such as citizen's allowance, and
  • You are in a financial emergency situation and
  • You cannot provide for your own living expenses.

As a rule, you can benefit from the above-mentioned benefits:

    • Students who do not live with their parents
    • Trainees who have reached the legal BAföG age limit
    • Trainees in a vocational training program or a vocational preparation training program who are accommodated with full board
      • in a boarding school or
      • in a dormitory.
  • Trainees with disabilities who are entitled to training allowance, for example during vocational training, a vocational preparation training measure or basic training and who are accommodated
    • in a boarding school
    • in a residential home or
    • in a special institution for people with disabilities,

if the costs of accommodation and meals are covered by the Employment Agency or another benefit provider.

Loan in general

  • Without a loan, the start of your training or its successful completion would be jeopardized for financial reasons.

Hardship loan

  • You are not able to earn extra money through a part-time job, for example because
    • you are a single parent or
    • you have a disability or
    • you are caring for a relative or
    • your residence title in Germany does not allow it.
  • You can be classified as a hardship case if exceptional, serious circumstances endanger your education and/or you find yourself in an emergency situation that threatens your existence.

Hardship grant

  • You are at least 45 years old and can therefore no longer receive BAföG due to your age and
  • You are in a school education, without whose completion your professional integration is seriously endangered, but you are not studying.
  • You can be classified as a hardship case if exceptional, serious circumstances endanger your education and/or you find yourself in an emergency situation that threatens your existence.

Which documents are required?

  • Application Forms:
    • The application for benefits for trainees and students according to § 27 SGB II can be made informally. In principle, it is submitted with the main application ("Application for benefits to secure subsistence according to the Second Book of the Social Code (SGB II)"). However, so that the job center can obtain the information from the applicant that it needs to check the entitlement to benefits and, if applicable, its amount, the job center may provide its own forms.
  • Valid identification document:
    • Identity card or
    • valid passport with current registration certificate
    • Residence permit
  • Proof of income, e.g. a wage statement or current bank statements (e.g. for pensions, sick pay, child benefit, alimony, advance alimony, training allowance, BAföG)
  • Proof of training or studies (e.g. training or matriculation certificate)
  • Proof of existing assets (e.g. savings, shares, securities, building society savings contracts)
  • Proof of expenses, for example by presenting bank statements (or, for example, rental agreement, rent receipts, heating costs, documents on insurance premiums)
  • Evidence of previous receipt of benefits, also from another job center (notice of approval, proof of benefits)

What are the fees?

You do not have to pay any costs if you have an account. If you do not have an account, you will receive a payment order to clear for a cash payment (ZzV-Bar). This is a check. However, this will incur a cost that will be deducted directly from the benefit to which you are entitled. Since the amount of the costs for the payment order can vary, please contact your responsible job center for more information. You can have the check paid out in cash. The payment is made exclusively through Postbank branches. The ZzV cash is a means of payment of Postbank AG, the use of which has been agreed separately between the Federal Employment Agency and Postbank.

What deadlines do I have to pay attention to?

There is no time limit. However, benefits will not be paid until the first day of the month in which you file the application.

Therefore, note that you apply as soon as possible when you become aware of your financial need or when it becomes apparent, and not after the fact.

Legal basis

Appeal

  • Objection
  • Urgent proceedings before the social court
  • Action before the social court

Applications / forms

Forms available: Yes
Written form required: No
Informal application possible: Yes
Personal appearance required: No
Online services available: Yes

Technically approved by

Federal Ministry of Labor and Social Affairs (BMAS)

Further information and offers