When will I have to start repaying my education loan for Germany from a nationalized bank?
15 Oct 2026 · Answered by Soundarya M · 1 min read
Quick Answer
verified
Repayment typically begins after your course period and the moratorium period. It usually commences one year after course completion or 6 months after you secure a job, whichever is earlier. The moratorium varies between loan-providing institutions, so confirm the exact terms with your bank.
With a nationalised bank loan, you typically start repaying after your course and the moratorium period end. In practice that is one year after course completion or 6 months after you get a job, whichever comes first.
Repayment Timeline
| Stage | What usually happens |
|---|---|
| During the course | Repayment generally has not started |
| Moratorium | Varies by lender |
| Repayment start | One year after course completion or 6 months after securing a job, whichever is earlier |
Working in Germany While Repaying
- International students can typically work part-time for up to 20 hours per week.
- After the course, students can apply for an 18-month residence permit to look for a job in their area of qualification.
- During that period they can take up any employment to support themselves.
- Rules can change, so check the official pages.
My Advice
Ask your bank for the moratorium terms in writing before you sign. Plan your job search so that your first income arrives before repayment starts.
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