Student loans

The Hertie School will actively support admitted students in finding external funding. Please note that the options listed below are not exhaustive and further information on student loans will be provided on request. Please contact us at external-funding[at]hertie-school[dot]org.

The following options are a selection of loan providers that have provided financial assistance to Hertie School students in the past. Borrowing funds is optional and students need to carefully select the loan programme that best matches their financial need. 

Please note that the loan providers listed here are recommendations only and the Hertie School bears no responsibility for any contracts made between students and the loan providers. 

Hertie School Education Funds

Brain Capital offers a flexible concept for students with EU citizenship or a permanent EU work permit to finance their studies based on the idea of the Generation Contract, "Umgekehrte Generationenvertrag (UGV)".

Brain Capital will cover up to 100% of tuition fees. Recipients begin repayments once they begin earning a minimum annual salary of €30,000. Repayments last for a maximum of 10 years and are based on  recipient's earnings, the maximum being 10% of total income. These repayments will, in turn, enable future generations of Hertie School students to concentrate on their studies without the immediate burden of tuition fees.

Brain Capital additionally offers career advice and coaching during your studies and after graduation. [more]


Brain Capital GmbH
Phone: +49 261 / 450 934 90
Email: info[at]braincapital[dot]de


The Income Share Agreement of CHANCEN eG

“We want you to study at the Hertie School irrespective of your financial situation.”

CHANCEN eG is a social enterprise. Our fair financial solution for tuition fees is for students with EU citizenship, OECD citizenship and beyond. We believe everyone should have equal access to education.

The Income Share Agreement (ISA) is the backbone of our fair financial solution. CHANCEN eG takes care of your tuition fees whilst you focus on your studies. You commit to making income-based repayments once you earn above the minimum income threshold. Together, we ensure that your repayments enable future generations to access education.

For students with EU citizenship, repayments last for a maximum of 10 years and are based on recipient's earnings, the maximum being 9 % of relevant income.

Become part of the CHANCEN eG community. You can follow your dreams and at the same time ensure that future generations also have the same opportunity. [more]

The Income Share Agreement thrives on the commitment by all members of the cooperative community, united in their striving for equal opportunities for all people regardless of financial background, race, gender and nationality.


Phone: +49 (0)2302 2894630


German/EU loans

The following loan options provide funding for students studying at a German university. International students are generally eligible to apply but 1 or 2 German (citizen) guarantors are a requirement.

Studentische Darlehnskasse e.V.

  • The Studentische Darlehnskasse e.V. offers students the opportunity to finance their studies regardless of personal factors such as their parents’ income, the student's age, their nationality, or field of studies.
  • Basic condition: 1 to 2 guarantors (must be a German citizen or permanent resident)
  • Length: up to 24 months
  • Amount: up to 12,000 euros (max. 750 euros/month)
  • Interest rate: 2 to 6% (depending on your repayment length)
  • Repayment: starts 7 months after the last disbursement (min. 75 euros) [more]

Bildungsfonds (Career Concept AG)

  • Bildungsfonds assists students in financing tuition fees and living costs.
  • Eligibility: EU citizenship; non-EU citizens need to provide a German guarantor
  • Amount: up to 40,000 euros
  • Repayment: starts upon career entry; 4-10% of monthly income; individual conditions [more]

Additional Links


US loans and financial aid

Since January 2013 the Hertie School is accredited by the US Department of Education, making it the second university in Germany to fulfill the US agency’s strict requirements regarding the quality of its study programmes and its overall financial stability. US applicants who are accepted by the Hertie School can apply for the following funding options:

Deferment Loans

The Hertie School is authorised to certify "in-school" loan deferment applications for U.S. students. An in-school loan deferment suspends a student's obligation to repay prior U.S. Federal Student Loans while enrolled. Students must be enrolled at the Hertie School on a minimum half-time-basis to receive loan deferments.

Please download the form [here]. The Hertie School’s Office Postsecondary Education Identifier (OPE ID) is: 04128700.

An authorised personnel of the Hertie School must sign the deferment form. Alternatively, the Hertie School may attach its own enrolment certification report listing the required information. 


Canadian loans

Ontario Student Assistance Program (OSAP)

The Ontario Student Assistance Program (OSAP) offers student loans financed by both the Ontario government and federal government. The max amount for full time students is 12,240 Canadian dollars for single students with no dependents or 19,040 Canadian dollars for married, common-law, or sole-support students.


  • Tuition fees

  • Living expenses (books, computers, personal expenses) 



Chinese loans

Bank of China

The Bank of China offers loans to cover tuition fees and living expenses for studying abroad at various stages of the student's study, including pursuing a master's or doctoral degree.


  • Max 90% of the total amount of the tuition fees and living expenses of student.
  • Security Deposit


Industrial and Commercial Bank of China (ICBC)

The ICBC offers a Overseas Study Loan to Chinese students studying abroad. The loan covers most of the cost involved in studying for a master's or doctoral degree at the Hertie School.


  • Tuition fees, miscellaneous fees and living expenses
  • Security Deposit



Indian loans


Avanse offers a student loan covering 100% of tuition fees when studying abroad.


  • 100% of tuition fees

  • Living expenses (books, computers, other expenses)

  • Deposits

  • Travel expenses / passage money



India's first dedicated education loan company offers a student loan covering up to 100% educational expenses.


  • 100% of tuition fees

  • up to 100% of living costs

  • up to 100% of other expenses (travelling, computer, books)



Mexican loans


FUNED supports Mexican students to find the best possible programme with the objective of promotion of Mexican society and economy. Work experience and and a good university degree are required.

  • The loan programme offers 20,000 US dollars per year


(Spanish only)

Mexican National Bank

The Mexican National Bank offers a loan programme for masters (24 months) and PhD (36 months) programmes. A certificate proving applicants' English skills is required (TOEFL or IELTS).

  • The loan programme offers 200,000 Mexican pesos per year


(Spanish only)