Was passiert, wenn ich im Anschluss an mein Studium im Ausland arbeite?
Juli, 29 2021
Das Prinzip der freien Berufswahl (siehe unsere Drei Freiheiten) gewährleistet, dass Du Deine berufliche Zukunft frei gestalten kannst und folglich auch nicht durch den UGV daran gehindert bist, in einem anderen Land zu arbeiten. In diesem Fall reichst Du als Späterzahler:in einfach das jeweilige Äquivalent des deutschen Einkommenssteuerbescheid bei uns ein (siehe: Rückzahlung aus dem Ausland).How long is the repayment period?
Juli, 28 2021
After you leave university, we look at a period of 25 years in which you will potentially repay. Whether you repay in one year depends on whether your relevant annual income exceeds the minimum limit of 21,000 euros in the respective year. You will have a maximum of 10 or 13 payment years in which your relevant income exceeds 21,000 […]Can I change the payment option after my exmatriculation?
Juli, 28 2021
No. The Income Share Agreement is a solidarity model based on the fact that the financially „stronger“ support the „weaker“ and thus everyone is granted the Three Freedoms of the SG. It is not possible to change the payment option after exmatriculation, as it contradicts this idea of solidarity. However, it is possible to repay more quickly.Is there a maximum repayment amount?
Does the amount of my income-related repayment have to be equal to the immediate payment amount?
Juli, 28 2021
No. Basically, the ISA model is based on a principle of solidarity: everyone contributes according to their means. In contrast to a normal student loan, you are not confronted with a fixed mountain of debt in the later payment or in the half immediate payment. If you have made a contribution above the minimum limit every year for 10 years, […]When does repayment begin if I complete a doctorate, a traineeship, an internship, etc. after my studies?
Juli, 28 2021
The repayment starts when – after your exmatriculation – your relevant income exceeds the minimum income of 21,000 euros. This can be the case regardless of whether you are pursuing further education or not. The actual repayment then extends over the first ten years in which your income is above the minimum limit.If I am unemployed as a late payer, does the ISA convert to a loan as it does with some commercial providers?
Juli, 28 2021
No. In principle, repayment is not linked to your employment status, but to the amount of your income. The ten repayment years can potentially lie within the period of 25 years after your exmatriculation. However, if your income is below the minimum threshold for the entire 25 years after exmatriculation, you do not have to repay anything. If, for example, […]What happens if I work abroad after my studies?
Juli, 28 2021
The principle of free choice of profession (see our Three Freedoms) ensures that you are free to shape your professional future and consequently are not prevented by the ISA from working in another country. In this case, as a late payer, you simply submit the respective equivalent of the German income tax assessment to us.Wechsel: Kann ich während meines Studiums die Zahlungsvariante wechseln?
Juli, 22 2021
Nach dem Motto „sozialer geht immer“ bieten wir Dir die Möglichkeit, jederzeit während Deines Studiums bis zum Zeitpunkt Deiner Exmatrikulation von der Sofortzahlung in die hälftige Späterzahlung bzw. in die komplette Späterzahlung zu wechseln. Dabei ist keine Angabe von Gründen erforderlich. Andersherum – also von der Späterzahlung in die hälftige Späterzahlung oder in die Sofortzahlung – kannst Du bis zur […]