Thanks to the Axxess Study loan, I was able to move to Cologne without getting financial help from my parents.
When I started my Master’s in London, the Axxess Study loan enabled me to pay the tuition fees that weren't covered by the Financial Aid Department.
The banking offer for students up to 30
1. Check if you have the latest version of S-Net Mobile installed on your phone
2. Select "State-guaranteed student loan" in the S-Net Store
3. Scan the QR code on the letter of approval of the Financial Aid Department or upload the letter of approval to S-Net Mobile
4. Confirm your request
5. Sign the contract and the money will immediately be paid into your Spuerkeess current account
Half-yearly interest (on 30 June and 31 December each year) is accumulated and in principle deducted from any newly granted instalment disbursed.
Example: The student has a state-guaranteed student loan totalling EUR 20.000 and receives a new letter of approval for a further EUR 1.500 instalment for the following academic year. When this new instalment is paid, the accrued interest over the previous half-year (EUR 200 over 6 months, with the maximum rate payable by the customer of 2%) is deducted by default from the amount granted by the State. The balance (the difference between the instalment granted and the accrued interest) is paid into his current account, i.e. EUR 1.500 - 200 = EUR 1.300.
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