For good future career opportunities, a suitable study is still considered a good starting capital. And that's where the problems begin. For what is a suitable study in this day and age and how big is the shortfall in starting capital, if one takes the word capital literally? At least most graduates are in debt after graduation. And it did not become clear until after graduation whether the course of study was the right one. One thing remains, and these are the debts after graduation. The few graduates who have completed their studies financially well from home are excluded here. A tight master's degree or bachelor's degree rarely allows a lengthy side job to cover all fees and expenses. In the end, most students have no choice but to face funding. Debts are always left after graduation. Because whether Bafög, KfW loan or a free financing through a bank, the sole difference is in the respective conditions. Whereby with a student loan still the best conditions are to be registered, insofar as one can get Bafög at all. But even there are debts after graduation to settle. However, everyone is well advised to adjust the possibility of Bafög - reference, since the repayment claim because there is at least interest-free, and only up to a maximum sum. Up-to-date information must be obtained from the responsible Studentenwerk.
The number of students who are unable or unable to repay debts after graduation is not exactly known. One reason for this is that KfW has only been active in this area since 2006 and that realistic statistics are not meaningful. Another reason is a strategy of non-disclosure by banks, as they themselves are hardly interested in publishing negative statistics. One of the most important principles should also be with students, only in case of emergency take a partial credit for bottlenecks in inspection. And above all, during the study time rather give up something, because it could save a lot of money and worries in the future. Even the accommodation does not have to offer luxury, you can buy it later, if you can really afford luxury, without having to feed banks.