Hardship
fund

If everything's falling apart

STUDIERENDENWERK provides financial assistance from its hardship fund in the form of interest-free loans to students who find themselves in an exceptional financial emergency that seriously jeopardies their chances of continuing and completing their studies.

Loans allocated from the hardship fund are free of interest and other charges. A loan from the hardship fund is not a legal right.

Award of the loans is conditional on presentation of a directly enforceable guarantee from a suitable guarantor. An exceptional emergency situation may be:

  • an unforeseeable loss of the financial means of subsistence
  • an unexpected temporary financial burden which is beyond the applicant's control
  • short-term financial hardship which makes punctual payment of the semester fee impossible.

The circumstances leading to the exceptional emergency situation must not have been brought about intentionally or through negligence. Applicants must seek advice from the Studierendenwerk social advice and counselling services before they may apply for a loan.

No. The hardship fund is free of interest and other charges.

The maximum loan amount is 3.500 €. It is generally paid out in monthly instalments of a maximum of 1.000 €.

Loans allocated from the hardship fund are free of interest and other charges. A loan from the hardship fund is not a legal right.

The loan must be repaid at the earliest possible time, at the latest within a period of 12 months from when the loan was granted.

The repayment instalments should be at least 30,00 € per month.

Applicants must seek advice from the STUDIERENDENWERK social advice and counselling services before they may apply for a loan.

Consulting hours

Campus Essen
Reckhammerweg 1
45141 Essen

Thu 11:00 am - 13:00 pm

We also offer arrangements by appointment.
Consultation is also possible in English.

Bereichsleiter soziale und psychologische Beratung
Harald
 
Kaßen
Advisor and Head of
Advisory Services
+49 201 82010-610
Email
Bereichsleiter soziale und psychologische Beratung

Harald Kaßen

Advisor and Head of
Advisory Services
+49 201 82010-610
Room: 0.18
Reckhammerweg 1
45141 Essen

Consulting hours

Thu 11:00 am - 01:00 pm

Write an email

Information about privacy and your rights: www.stw-edu.de/en/data-protection/

Kristina
 
Bolt
Advisor
Advisory Services
+49 201 82010-613
Email

Kristina Bolt

Advisor
Advisory Services
+49 201 82010-613
Room: 0.01
Reckhammerweg 1
45141 Essen

Consulting hours

Thur 11:00 am - 01:00 pm

Write an email

Information about privacy and your rights: www.stw-edu.de/en/data-protection/

Berater soziale und psychologische Beratung
Dietrich
 
Battke
Advisor
Advisory Services
+49 201 82010-611
Email
Berater soziale und psychologische Beratung

Dietrich Battke

Advisor
Advisory Services
+49 201 82010-611
Room: 0.02b
Reckhammerweg 1
45141 Essen

Consulting hours

Thu 11:00 am - 01:00 pm

Write an email

Information about privacy and your rights: www.stw-edu.de/en/data-protection/