{"id":17238,"date":"2024-07-17T13:37:59","date_gmt":"2024-07-17T11:37:59","guid":{"rendered":"https:\/\/www.stw-muenster.de\/consulting\/financial-advice\/"},"modified":"2026-03-25T15:53:21","modified_gmt":"2026-03-25T14:53:21","slug":"finanzierungsberatung","status":"publish","type":"page","link":"https:\/\/www.stw-muenster.de\/en\/counselling\/finanzierungsberatung\/","title":{"rendered":"Financial advice"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"17238\" class=\"elementor elementor-17238 elementor-2605\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5fcace6 e-flex e-con-boxed e-con e-parent\" data-id=\"5fcace6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7ff7b98 e-con-full e-flex e-con e-child\" data-id=\"7ff7b98\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e91478c e-con-full e-flex e-con e-child\" data-id=\"e91478c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-169e865 elementor-widget elementor-widget-shortcode\" data-id=\"169e865\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class=\"breadcrumb\"><a href=\"https:\/\/www.stw-muenster.de\/en\/\">Home page<\/a> &gt; <strong>Financial advice<\/strong><\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15e76fd elementor-align-left leichte-sprache-button elementor-button-primary elementor-widget elementor-widget-button\" data-id=\"15e76fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6MjE1NDQsInRvZ2dsZSI6ZmFsc2V9\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Layer_1\" viewBox=\"0 0 512 512\"><defs><style>      .st0 {        fill: #002451;      }    <\/style><\/defs><path class=\"st0\" d=\"M256,192c126.6-3.3,126.6-188.7,0-192-126.6,3.3-126.6,188.7,0,192ZM256,42.7c70.1,1.3,70.1,105.4,0,106.7-70.1-1.3-70.1-105.4,0-106.7ZM473.7,238.1c-24.4-20.3-56.3-28.7-87.4-23.1l-81.5,14.8c-19.5,3.5-36.4,13.5-48.7,27.5-12.3-14-29.2-24-48.7-27.5l-81.5-14.8c-31.2-5.6-63.1,2.7-87.4,23.1S0,288.3,0,320v59.6c0,51.6,36.8,95.7,87.6,104.9l134.1,24.4c22.8,4.1,45.9,4.1,68.7,0l134.1-24.4c50.8-9.2,87.6-53.4,87.6-104.9v-59.6c0-31.7-14-61.6-38.3-81.9h0ZM234.7,467.8c-1.8-.3-3.6-.6-5.4-.9l-134.1-24.4c-30.5-5.5-52.6-32-52.6-63v-59.6c0-19,8.4-36.9,23-49.1,14.6-12.2,33.9-17.2,52.5-13.8l81.5,14.8c20.3,3.7,35,21.3,35,42v154ZM469.3,379.6c0,31-22.1,57.4-52.5,63l-134.1,24.4c-1.8.3-3.6.6-5.4.9v-154c0-20.6,14.7-38.3,35-42l81.5-14.8c18.7-3.4,37.8,1.6,52.5,13.8,14.6,12.2,23,30.1,23,49.1v59.6h0Z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Easy language<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-022ff08 elementor-widget elementor-widget-heading\" data-id=\"022ff08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Financial advice<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92ed4b5 elementor-widget elementor-widget-heading\" data-id=\"92ed4b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Find the right financing for your studies<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-092af13 elementor-widget elementor-widget-text-editor\" data-id=\"092af13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Financing your studies can be a big challenge, but <strong>we won&#8217;t leave you on your own<\/strong>.<\/p><p>In our financing consultation, we analyze your individual situation together, examine all possible options and <strong>guide you step by step<\/strong> through the selection and application process.<\/p><p>Our aim is to show you the best financing options so that you can concentrate fully on your studies without having to worry about finances. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1d040b0 e-con-full e-flex e-con e-child\" data-id=\"1d040b0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-69f804f elementor-widget elementor-widget-image\" data-id=\"69f804f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1200\" height=\"1202\" src=\"https:\/\/www.stw-muenster.de\/wp-content\/uploads\/2024\/10\/hero-finanzierungsberatung-min.png\" class=\"attachment-full size-full wp-image-15403\" alt=\"A young man sits at a table, smiling and holding a pen while talking to another person, suggesting a friendly and engaging conversation or mentoring session.\" srcset=\"https:\/\/www.stw-muenster.de\/wp-content\/uploads\/2024\/10\/hero-finanzierungsberatung-min.png 1200w, https:\/\/www.stw-muenster.de\/wp-content\/uploads\/2024\/10\/hero-finanzierungsberatung-min-300x300.png 300w, https:\/\/www.stw-muenster.de\/wp-content\/uploads\/2024\/10\/hero-finanzierungsberatung-min-1022x1024.png 1022w, https:\/\/www.stw-muenster.de\/wp-content\/uploads\/2024\/10\/hero-finanzierungsberatung-min-150x150.png 150w, https:\/\/www.stw-muenster.de\/wp-content\/uploads\/2024\/10\/hero-finanzierungsberatung-min-768x769.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ee4ba7b e-flex e-con-boxed e-con e-parent\" data-id=\"ee4ba7b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ddcffc2 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"ddcffc2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Support in the selection of student financing<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b65cb21 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b65cb21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There are various ways to finance your studies: Whether it&#8217;s BAf\u00f6G, loans, emergency aid or part-time jobs &#8211; we will clarify with you which option best suits your situation and how you can make the best use of it.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9e26cf9 e-grid e-con-boxed e-con e-parent\" data-id=\"9e26cf9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0aae963 e-con-full e-flex e-con e-child\" data-id=\"0aae963\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5281d34 elementor-widget elementor-widget-heading\" data-id=\"5281d34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">BAf\u00f6G<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3998a3 elementor-widget elementor-widget-text-editor\" data-id=\"c3998a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>BAf\u00f6G covers your living expenses with state support so that you can concentrate fully on your studies. We explain how to submit an application and what you need to bear in mind. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5bbbef elementor-button-tertiary elementor-widget elementor-widget-button\" data-id=\"b5bbbef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.stw-muenster.de\/en\/student-financing\/bafoeg\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">More about BAf\u00f6G<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7200907 e-con-full e-flex e-con e-child\" data-id=\"7200907\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c23f697 elementor-widget elementor-widget-heading\" data-id=\"c23f697\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Loans and grants<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17b707f elementor-widget elementor-widget-text-editor\" data-id=\"17b707f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you are not entitled to BAf\u00f6G or need additional funds, a Daka loan from the Studierendenwerke or a one-off grant from Studienstarthilfe can be a sensible alternative. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1c6bc0 elementor-button-tertiary elementor-widget elementor-widget-button\" data-id=\"d1c6bc0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.stw-muenster.de\/en\/student-financing\/daka-studiendarlehen\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">More about the Daka loan<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43bbe58 elementor-button-tertiary elementor-widget elementor-widget-button\" data-id=\"43bbe58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.stw-muenster.de\/en\/student-financing\/studienstarthilfe\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">More about study start-up aid<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cbffabe e-con-full e-flex e-con e-child\" data-id=\"cbffabe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c1da09c elementor-widget elementor-widget-heading\" data-id=\"c1da09c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Emergency aid<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e93e58b elementor-widget elementor-widget-text-editor\" data-id=\"e93e58b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We won&#8217;t let you down in acute financial emergencies. We offer various emergency aid options to support you in the short term. We will advise you on what help is available in your situation and how you can apply for it.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0979977 elementor-button-tertiary elementor-widget elementor-widget-button\" data-id=\"0979977\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.stw-muenster.de\/en\/student-financing\/emergency-aid\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">More about emergency assistance<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-587866c e-flex e-con-boxed e-con e-parent\" data-id=\"587866c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b714335 e-con-full e-flex e-con e-child\" data-id=\"b714335\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ff22e22 elementor-widget elementor-widget-image\" data-id=\"ff22e22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/www.stw-muenster.de\/wp-content\/uploads\/2024\/10\/stromsparcheck-min.jpg\" class=\"attachment-full size-full wp-image-12609\" alt=\"A person is holding a flyer with the text &quot;Switch and save energy&quot; and a QR code. The background shows a blurred staircase in an indoor area.\" srcset=\"https:\/\/www.stw-muenster.de\/wp-content\/uploads\/2024\/10\/stromsparcheck-min.jpg 1024w, https:\/\/www.stw-muenster.de\/wp-content\/uploads\/2024\/10\/stromsparcheck-min-300x300.jpg 300w, https:\/\/www.stw-muenster.de\/wp-content\/uploads\/2024\/10\/stromsparcheck-min-150x150.jpg 150w, https:\/\/www.stw-muenster.de\/wp-content\/uploads\/2024\/10\/stromsparcheck-min-768x768.jpg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3214aef e-con-full e-flex e-con e-child\" data-id=\"3214aef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a83974c elementor-widget elementor-widget-heading\" data-id=\"a83974c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Save money with the energy-saving check<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9544bc1 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"9544bc1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Saving energy with a plan saves costs<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff7ae78 elementor-widget elementor-widget-text-editor\" data-id=\"ff7ae78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Energy efficiency is not only good for the environment, but also for your wallet. With our free energy-saving check in cooperation with Caritas, you can save money in your household. <span style=\"text-align: var(--text-align); color: var( --e-global-color-secondary ); font-family: var( --e-global-typography-primary-font-family ), Arial; font-size: var( --e-global-typography-primary-font-size ); letter-spacing: var( --e-global-typography-primary-letter-spacing ); word-spacing: var( --e-global-typography-primary-word-spacing );\">You will receive personal energy-saving advice, a tailored energy-saving plan and useful energy-saving articles &#8211; all of which will help you to <\/span><span style=\"text-align: var(--text-align); color: var( --e-global-color-secondary ); font-family: var( --e-global-typography-primary-font-family ), Arial; font-size: var( --e-global-typography-primary-font-size ); letter-spacing: var( --e-global-typography-primary-letter-spacing ); word-spacing: var( --e-global-typography-primary-word-spacing );\">significantly reduce<\/span> <span style=\"text-align: var(--text-align); color: var( --e-global-color-secondary ); font-family: var( --e-global-typography-primary-font-family ), Arial; font-size: var( --e-global-typography-primary-font-size ); letter-spacing: var( --e-global-typography-primary-letter-spacing ); word-spacing: var( --e-global-typography-primary-word-spacing );\">your monthly <\/span><span style=\"text-align: var(--text-align); color: var( --e-global-color-secondary ); font-family: var( --e-global-typography-primary-font-family ), Arial; font-size: var( --e-global-typography-primary-font-size ); letter-spacing: var( --e-global-typography-primary-letter-spacing ); word-spacing: var( --e-global-typography-primary-word-spacing );\">expenditure<\/span><span style=\"text-align: var(--text-align); color: var( --e-global-color-secondary ); font-family: var( --e-global-typography-primary-font-family ), Arial; font-size: var( --e-global-typography-primary-font-size ); letter-spacing: var( --e-global-typography-primary-letter-spacing ); word-spacing: var( --e-global-typography-primary-word-spacing );\">.<br><\/span> <\/p><p><strong>Documents required for the energy-saving check<\/strong><\/p><ul><li>Copies of bank statements for the last six months<\/li><li>Copy of your passport or identity card<\/li><li>Copy of your current semester certificate<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6244c61 elementor-button-primary elementor-widget elementor-widget-button\" data-id=\"6244c61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.stw-muenster.de\/en\/online-terminvereinbarung\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Make an appointment now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-06ab462 faq e-flex e-con-boxed e-con e-parent\" data-id=\"06ab462\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c870fcb e-flex e-con-boxed e-con e-child\" data-id=\"c870fcb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-36fc5bf elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"36fc5bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently asked questions about financial advice<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-95f9b4d elementor-widget elementor-widget-n-accordion\" data-id=\"95f9b4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1570\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1570\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How should I finance my studies? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"8\" viewBox=\"0 0 15 8\" fill=\"none\"><path d=\"M5.29119 0.958477L0.50994 5.73973C0.315929 5.9349 0.207031 6.19891 0.207031 6.4741C0.207031 6.7493 0.315929 7.01331 0.50994 7.20848C0.606777 7.30611 0.721986 7.38361 0.848923 7.43649C0.975859 7.48937 1.11201 7.5166 1.24952 7.5166C1.38704 7.5166 1.52319 7.48937 1.65012 7.43649C1.77706 7.38361 1.89227 7.30611 1.98911 7.20848L6.75994 2.41681C6.85678 2.31918 6.97199 2.24168 7.09892 2.1888C7.22586 2.13591 7.36201 2.10869 7.49952 2.10869C7.63704 2.10869 7.77319 2.13591 7.90012 2.1888C8.02706 2.24168 8.14227 2.31918 8.23911 2.41681L13.0099 7.20848C13.2047 7.40463 13.4694 7.51537 13.7458 7.51635C14.0223 7.51733 14.2877 7.40845 14.4839 7.21369C14.68 7.01892 14.7908 6.75421 14.7918 6.47779C14.7927 6.20137 14.6839 5.93588 14.4891 5.73973L9.70786 0.958477C9.12192 0.373267 8.32765 0.044559 7.49952 0.044559C6.6714 0.044559 5.87713 0.373267 5.29119 0.958477V0.958477Z\" fill=\"#001229\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"8\" viewBox=\"0 0 15 8\" fill=\"none\"><path d=\"M9.70881 7.04152L14.4901 2.26027C14.6841 2.0651 14.793 1.80109 14.793 1.5259C14.793 1.2507 14.6841 0.986691 14.4901 0.791522C14.3932 0.693888 14.278 0.616394 14.1511 0.56351C14.0241 0.510626 13.888 0.483398 13.7505 0.483398C13.613 0.483398 13.4768 0.510626 13.3499 0.56351C13.2229 0.616394 13.1077 0.693888 13.0109 0.791522L8.24006 5.58319C8.14322 5.68082 8.02801 5.75832 7.90108 5.8112C7.77414 5.86409 7.63799 5.89131 7.50048 5.89131C7.36296 5.89131 7.22681 5.86409 7.09987 5.8112C6.97294 5.75832 6.85773 5.68082 6.76089 5.58319L1.99006 0.791521C1.79529 0.595371 1.53058 0.484627 1.25416 0.48365C0.977738 0.482673 0.71225 0.591545 0.516101 0.786314C0.319951 0.981082 0.209205 1.24579 0.208229 1.52221C0.207252 1.79863 0.316125 2.06412 0.510893 2.26027L5.29214 7.04152C5.87808 7.62673 6.67235 7.95544 7.50048 7.95544C8.3286 7.95544 9.12287 7.62673 9.70881 7.04152V7.04152Z\" fill=\"#001229\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1570\" class=\"elementor-element elementor-element-f93742b e-con-full e-flex e-con e-child\" data-id=\"f93742b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e68b66 elementor-widget elementor-widget-text-editor\" data-id=\"5e68b66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There are several ways to finance your studies. The most common are BAf\u00f6G, student loans, scholarships and part-time jobs. Our financial advice service will help you find the best option for you and support you with the application process.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1571\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1571\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is the social contribution and what is it used for? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"8\" viewBox=\"0 0 15 8\" fill=\"none\"><path d=\"M5.29119 0.958477L0.50994 5.73973C0.315929 5.9349 0.207031 6.19891 0.207031 6.4741C0.207031 6.7493 0.315929 7.01331 0.50994 7.20848C0.606777 7.30611 0.721986 7.38361 0.848923 7.43649C0.975859 7.48937 1.11201 7.5166 1.24952 7.5166C1.38704 7.5166 1.52319 7.48937 1.65012 7.43649C1.77706 7.38361 1.89227 7.30611 1.98911 7.20848L6.75994 2.41681C6.85678 2.31918 6.97199 2.24168 7.09892 2.1888C7.22586 2.13591 7.36201 2.10869 7.49952 2.10869C7.63704 2.10869 7.77319 2.13591 7.90012 2.1888C8.02706 2.24168 8.14227 2.31918 8.23911 2.41681L13.0099 7.20848C13.2047 7.40463 13.4694 7.51537 13.7458 7.51635C14.0223 7.51733 14.2877 7.40845 14.4839 7.21369C14.68 7.01892 14.7908 6.75421 14.7918 6.47779C14.7927 6.20137 14.6839 5.93588 14.4891 5.73973L9.70786 0.958477C9.12192 0.373267 8.32765 0.044559 7.49952 0.044559C6.6714 0.044559 5.87713 0.373267 5.29119 0.958477V0.958477Z\" fill=\"#001229\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"8\" viewBox=\"0 0 15 8\" fill=\"none\"><path d=\"M9.70881 7.04152L14.4901 2.26027C14.6841 2.0651 14.793 1.80109 14.793 1.5259C14.793 1.2507 14.6841 0.986691 14.4901 0.791522C14.3932 0.693888 14.278 0.616394 14.1511 0.56351C14.0241 0.510626 13.888 0.483398 13.7505 0.483398C13.613 0.483398 13.4768 0.510626 13.3499 0.56351C13.2229 0.616394 13.1077 0.693888 13.0109 0.791522L8.24006 5.58319C8.14322 5.68082 8.02801 5.75832 7.90108 5.8112C7.77414 5.86409 7.63799 5.89131 7.50048 5.89131C7.36296 5.89131 7.22681 5.86409 7.09987 5.8112C6.97294 5.75832 6.85773 5.68082 6.76089 5.58319L1.99006 0.791521C1.79529 0.595371 1.53058 0.484627 1.25416 0.48365C0.977738 0.482673 0.71225 0.591545 0.516101 0.786314C0.319951 0.981082 0.209205 1.24579 0.208229 1.52221C0.207252 1.79863 0.316125 2.06412 0.510893 2.26027L5.29214 7.04152C5.87808 7.62673 6.67235 7.95544 7.50048 7.95544C8.3286 7.95544 9.12287 7.62673 9.70881 7.04152V7.04152Z\" fill=\"#001229\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1571\" class=\"elementor-element elementor-element-eeb706f e-con-full e-flex e-con e-child\" data-id=\"eeb706f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1c6bc09 elementor-widget elementor-widget-text-editor\" data-id=\"1c6bc09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The social contribution is a mandatory fee that all students pay. It finances the Studierendenwerk&#8217;s social services, such as the canteen, halls of residence, BAf\u00f6G counseling and more. This ensures that all students have access to these important services.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1572\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1572\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I receive BAf\u00f6G if my parents earn well? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"8\" viewBox=\"0 0 15 8\" fill=\"none\"><path d=\"M5.29119 0.958477L0.50994 5.73973C0.315929 5.9349 0.207031 6.19891 0.207031 6.4741C0.207031 6.7493 0.315929 7.01331 0.50994 7.20848C0.606777 7.30611 0.721986 7.38361 0.848923 7.43649C0.975859 7.48937 1.11201 7.5166 1.24952 7.5166C1.38704 7.5166 1.52319 7.48937 1.65012 7.43649C1.77706 7.38361 1.89227 7.30611 1.98911 7.20848L6.75994 2.41681C6.85678 2.31918 6.97199 2.24168 7.09892 2.1888C7.22586 2.13591 7.36201 2.10869 7.49952 2.10869C7.63704 2.10869 7.77319 2.13591 7.90012 2.1888C8.02706 2.24168 8.14227 2.31918 8.23911 2.41681L13.0099 7.20848C13.2047 7.40463 13.4694 7.51537 13.7458 7.51635C14.0223 7.51733 14.2877 7.40845 14.4839 7.21369C14.68 7.01892 14.7908 6.75421 14.7918 6.47779C14.7927 6.20137 14.6839 5.93588 14.4891 5.73973L9.70786 0.958477C9.12192 0.373267 8.32765 0.044559 7.49952 0.044559C6.6714 0.044559 5.87713 0.373267 5.29119 0.958477V0.958477Z\" fill=\"#001229\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"8\" viewBox=\"0 0 15 8\" fill=\"none\"><path d=\"M9.70881 7.04152L14.4901 2.26027C14.6841 2.0651 14.793 1.80109 14.793 1.5259C14.793 1.2507 14.6841 0.986691 14.4901 0.791522C14.3932 0.693888 14.278 0.616394 14.1511 0.56351C14.0241 0.510626 13.888 0.483398 13.7505 0.483398C13.613 0.483398 13.4768 0.510626 13.3499 0.56351C13.2229 0.616394 13.1077 0.693888 13.0109 0.791522L8.24006 5.58319C8.14322 5.68082 8.02801 5.75832 7.90108 5.8112C7.77414 5.86409 7.63799 5.89131 7.50048 5.89131C7.36296 5.89131 7.22681 5.86409 7.09987 5.8112C6.97294 5.75832 6.85773 5.68082 6.76089 5.58319L1.99006 0.791521C1.79529 0.595371 1.53058 0.484627 1.25416 0.48365C0.977738 0.482673 0.71225 0.591545 0.516101 0.786314C0.319951 0.981082 0.209205 1.24579 0.208229 1.52221C0.207252 1.79863 0.316125 2.06412 0.510893 2.26027L5.29214 7.04152C5.87808 7.62673 6.67235 7.95544 7.50048 7.95544C8.3286 7.95544 9.12287 7.62673 9.70881 7.04152V7.04152Z\" fill=\"#001229\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1572\" class=\"elementor-element elementor-element-8572eaf e-con-full e-flex e-con e-child\" data-id=\"8572eaf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b75614b elementor-widget elementor-widget-text-editor\" data-id=\"b75614b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>BAf\u00f6G is based on your parents&#8217; income, but even if this is relatively high, you may be able to receive support. In our Counselling service, we will examine your individual situation and help you to make the most of your funding opportunities. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1573\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1573\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What happens if my BAf\u00f6G is not enough? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"8\" viewBox=\"0 0 15 8\" fill=\"none\"><path d=\"M5.29119 0.958477L0.50994 5.73973C0.315929 5.9349 0.207031 6.19891 0.207031 6.4741C0.207031 6.7493 0.315929 7.01331 0.50994 7.20848C0.606777 7.30611 0.721986 7.38361 0.848923 7.43649C0.975859 7.48937 1.11201 7.5166 1.24952 7.5166C1.38704 7.5166 1.52319 7.48937 1.65012 7.43649C1.77706 7.38361 1.89227 7.30611 1.98911 7.20848L6.75994 2.41681C6.85678 2.31918 6.97199 2.24168 7.09892 2.1888C7.22586 2.13591 7.36201 2.10869 7.49952 2.10869C7.63704 2.10869 7.77319 2.13591 7.90012 2.1888C8.02706 2.24168 8.14227 2.31918 8.23911 2.41681L13.0099 7.20848C13.2047 7.40463 13.4694 7.51537 13.7458 7.51635C14.0223 7.51733 14.2877 7.40845 14.4839 7.21369C14.68 7.01892 14.7908 6.75421 14.7918 6.47779C14.7927 6.20137 14.6839 5.93588 14.4891 5.73973L9.70786 0.958477C9.12192 0.373267 8.32765 0.044559 7.49952 0.044559C6.6714 0.044559 5.87713 0.373267 5.29119 0.958477V0.958477Z\" fill=\"#001229\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"8\" viewBox=\"0 0 15 8\" fill=\"none\"><path d=\"M9.70881 7.04152L14.4901 2.26027C14.6841 2.0651 14.793 1.80109 14.793 1.5259C14.793 1.2507 14.6841 0.986691 14.4901 0.791522C14.3932 0.693888 14.278 0.616394 14.1511 0.56351C14.0241 0.510626 13.888 0.483398 13.7505 0.483398C13.613 0.483398 13.4768 0.510626 13.3499 0.56351C13.2229 0.616394 13.1077 0.693888 13.0109 0.791522L8.24006 5.58319C8.14322 5.68082 8.02801 5.75832 7.90108 5.8112C7.77414 5.86409 7.63799 5.89131 7.50048 5.89131C7.36296 5.89131 7.22681 5.86409 7.09987 5.8112C6.97294 5.75832 6.85773 5.68082 6.76089 5.58319L1.99006 0.791521C1.79529 0.595371 1.53058 0.484627 1.25416 0.48365C0.977738 0.482673 0.71225 0.591545 0.516101 0.786314C0.319951 0.981082 0.209205 1.24579 0.208229 1.52221C0.207252 1.79863 0.316125 2.06412 0.510893 2.26027L5.29214 7.04152C5.87808 7.62673 6.67235 7.95544 7.50048 7.95544C8.3286 7.95544 9.12287 7.62673 9.70881 7.04152V7.04152Z\" fill=\"#001229\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1573\" class=\"elementor-element elementor-element-5699b7f e-con-full e-flex e-con e-child\" data-id=\"5699b7f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e9e5bd1 elementor-widget elementor-widget-text-editor\" data-id=\"e9e5bd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If BAf\u00f6G alone is not enough, there are other options such as the Daka loan or private student loans. You can also fall back on emergency aid and free tables if you find yourself in a financial emergency. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1574\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1574\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How can I apply for a Daka loan? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"8\" viewBox=\"0 0 15 8\" fill=\"none\"><path d=\"M5.29119 0.958477L0.50994 5.73973C0.315929 5.9349 0.207031 6.19891 0.207031 6.4741C0.207031 6.7493 0.315929 7.01331 0.50994 7.20848C0.606777 7.30611 0.721986 7.38361 0.848923 7.43649C0.975859 7.48937 1.11201 7.5166 1.24952 7.5166C1.38704 7.5166 1.52319 7.48937 1.65012 7.43649C1.77706 7.38361 1.89227 7.30611 1.98911 7.20848L6.75994 2.41681C6.85678 2.31918 6.97199 2.24168 7.09892 2.1888C7.22586 2.13591 7.36201 2.10869 7.49952 2.10869C7.63704 2.10869 7.77319 2.13591 7.90012 2.1888C8.02706 2.24168 8.14227 2.31918 8.23911 2.41681L13.0099 7.20848C13.2047 7.40463 13.4694 7.51537 13.7458 7.51635C14.0223 7.51733 14.2877 7.40845 14.4839 7.21369C14.68 7.01892 14.7908 6.75421 14.7918 6.47779C14.7927 6.20137 14.6839 5.93588 14.4891 5.73973L9.70786 0.958477C9.12192 0.373267 8.32765 0.044559 7.49952 0.044559C6.6714 0.044559 5.87713 0.373267 5.29119 0.958477V0.958477Z\" fill=\"#001229\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"8\" viewBox=\"0 0 15 8\" fill=\"none\"><path d=\"M9.70881 7.04152L14.4901 2.26027C14.6841 2.0651 14.793 1.80109 14.793 1.5259C14.793 1.2507 14.6841 0.986691 14.4901 0.791522C14.3932 0.693888 14.278 0.616394 14.1511 0.56351C14.0241 0.510626 13.888 0.483398 13.7505 0.483398C13.613 0.483398 13.4768 0.510626 13.3499 0.56351C13.2229 0.616394 13.1077 0.693888 13.0109 0.791522L8.24006 5.58319C8.14322 5.68082 8.02801 5.75832 7.90108 5.8112C7.77414 5.86409 7.63799 5.89131 7.50048 5.89131C7.36296 5.89131 7.22681 5.86409 7.09987 5.8112C6.97294 5.75832 6.85773 5.68082 6.76089 5.58319L1.99006 0.791521C1.79529 0.595371 1.53058 0.484627 1.25416 0.48365C0.977738 0.482673 0.71225 0.591545 0.516101 0.786314C0.319951 0.981082 0.209205 1.24579 0.208229 1.52221C0.207252 1.79863 0.316125 2.06412 0.510893 2.26027L5.29214 7.04152C5.87808 7.62673 6.67235 7.95544 7.50048 7.95544C8.3286 7.95544 9.12287 7.62673 9.70881 7.04152V7.04152Z\" fill=\"#001229\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1574\" class=\"elementor-element elementor-element-ce6d18a e-con-full e-flex e-con e-child\" data-id=\"ce6d18a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e8f5a83 elementor-widget elementor-widget-text-editor\" data-id=\"e8f5a83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You can apply for the Daka loan online. It is interest-free and is a good supplement if other financing options are not sufficient. The Daka office in Cologne will support you by phone if you have any questions.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1575\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1575\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How can I reduce my electricity consumption and save money? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"8\" viewBox=\"0 0 15 8\" fill=\"none\"><path d=\"M5.29119 0.958477L0.50994 5.73973C0.315929 5.9349 0.207031 6.19891 0.207031 6.4741C0.207031 6.7493 0.315929 7.01331 0.50994 7.20848C0.606777 7.30611 0.721986 7.38361 0.848923 7.43649C0.975859 7.48937 1.11201 7.5166 1.24952 7.5166C1.38704 7.5166 1.52319 7.48937 1.65012 7.43649C1.77706 7.38361 1.89227 7.30611 1.98911 7.20848L6.75994 2.41681C6.85678 2.31918 6.97199 2.24168 7.09892 2.1888C7.22586 2.13591 7.36201 2.10869 7.49952 2.10869C7.63704 2.10869 7.77319 2.13591 7.90012 2.1888C8.02706 2.24168 8.14227 2.31918 8.23911 2.41681L13.0099 7.20848C13.2047 7.40463 13.4694 7.51537 13.7458 7.51635C14.0223 7.51733 14.2877 7.40845 14.4839 7.21369C14.68 7.01892 14.7908 6.75421 14.7918 6.47779C14.7927 6.20137 14.6839 5.93588 14.4891 5.73973L9.70786 0.958477C9.12192 0.373267 8.32765 0.044559 7.49952 0.044559C6.6714 0.044559 5.87713 0.373267 5.29119 0.958477V0.958477Z\" fill=\"#001229\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"8\" viewBox=\"0 0 15 8\" fill=\"none\"><path d=\"M9.70881 7.04152L14.4901 2.26027C14.6841 2.0651 14.793 1.80109 14.793 1.5259C14.793 1.2507 14.6841 0.986691 14.4901 0.791522C14.3932 0.693888 14.278 0.616394 14.1511 0.56351C14.0241 0.510626 13.888 0.483398 13.7505 0.483398C13.613 0.483398 13.4768 0.510626 13.3499 0.56351C13.2229 0.616394 13.1077 0.693888 13.0109 0.791522L8.24006 5.58319C8.14322 5.68082 8.02801 5.75832 7.90108 5.8112C7.77414 5.86409 7.63799 5.89131 7.50048 5.89131C7.36296 5.89131 7.22681 5.86409 7.09987 5.8112C6.97294 5.75832 6.85773 5.68082 6.76089 5.58319L1.99006 0.791521C1.79529 0.595371 1.53058 0.484627 1.25416 0.48365C0.977738 0.482673 0.71225 0.591545 0.516101 0.786314C0.319951 0.981082 0.209205 1.24579 0.208229 1.52221C0.207252 1.79863 0.316125 2.06412 0.510893 2.26027L5.29214 7.04152C5.87808 7.62673 6.67235 7.95544 7.50048 7.95544C8.3286 7.95544 9.12287 7.62673 9.70881 7.04152V7.04152Z\" fill=\"#001229\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1575\" class=\"elementor-element elementor-element-c5dd219 e-con-full e-flex e-con e-child\" data-id=\"c5dd219\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b51a32 elementor-widget elementor-widget-text-editor\" data-id=\"7b51a32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Take advantage of our free energy-saving check in cooperation with Caritas. You will receive energy-saving advice directly at your home and an individual energy-saving plan. This will enable you to effectively reduce your electricity consumption and save costs.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1576\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1576\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What documents do I need for the energy savings check? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"8\" viewBox=\"0 0 15 8\" fill=\"none\"><path d=\"M5.29119 0.958477L0.50994 5.73973C0.315929 5.9349 0.207031 6.19891 0.207031 6.4741C0.207031 6.7493 0.315929 7.01331 0.50994 7.20848C0.606777 7.30611 0.721986 7.38361 0.848923 7.43649C0.975859 7.48937 1.11201 7.5166 1.24952 7.5166C1.38704 7.5166 1.52319 7.48937 1.65012 7.43649C1.77706 7.38361 1.89227 7.30611 1.98911 7.20848L6.75994 2.41681C6.85678 2.31918 6.97199 2.24168 7.09892 2.1888C7.22586 2.13591 7.36201 2.10869 7.49952 2.10869C7.63704 2.10869 7.77319 2.13591 7.90012 2.1888C8.02706 2.24168 8.14227 2.31918 8.23911 2.41681L13.0099 7.20848C13.2047 7.40463 13.4694 7.51537 13.7458 7.51635C14.0223 7.51733 14.2877 7.40845 14.4839 7.21369C14.68 7.01892 14.7908 6.75421 14.7918 6.47779C14.7927 6.20137 14.6839 5.93588 14.4891 5.73973L9.70786 0.958477C9.12192 0.373267 8.32765 0.044559 7.49952 0.044559C6.6714 0.044559 5.87713 0.373267 5.29119 0.958477V0.958477Z\" fill=\"#001229\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"8\" viewBox=\"0 0 15 8\" fill=\"none\"><path d=\"M9.70881 7.04152L14.4901 2.26027C14.6841 2.0651 14.793 1.80109 14.793 1.5259C14.793 1.2507 14.6841 0.986691 14.4901 0.791522C14.3932 0.693888 14.278 0.616394 14.1511 0.56351C14.0241 0.510626 13.888 0.483398 13.7505 0.483398C13.613 0.483398 13.4768 0.510626 13.3499 0.56351C13.2229 0.616394 13.1077 0.693888 13.0109 0.791522L8.24006 5.58319C8.14322 5.68082 8.02801 5.75832 7.90108 5.8112C7.77414 5.86409 7.63799 5.89131 7.50048 5.89131C7.36296 5.89131 7.22681 5.86409 7.09987 5.8112C6.97294 5.75832 6.85773 5.68082 6.76089 5.58319L1.99006 0.791521C1.79529 0.595371 1.53058 0.484627 1.25416 0.48365C0.977738 0.482673 0.71225 0.591545 0.516101 0.786314C0.319951 0.981082 0.209205 1.24579 0.208229 1.52221C0.207252 1.79863 0.316125 2.06412 0.510893 2.26027L5.29214 7.04152C5.87808 7.62673 6.67235 7.95544 7.50048 7.95544C8.3286 7.95544 9.12287 7.62673 9.70881 7.04152V7.04152Z\" fill=\"#001229\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1576\" class=\"elementor-element elementor-element-7d0f2de e-con-full e-flex e-con e-child\" data-id=\"7d0f2de\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5ae576d elementor-widget elementor-widget-text-editor\" data-id=\"5ae576d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You will need copies of your bank statements for the last six months, a copy of your passport or ID card and a copy of your current semester certificate for the electricity savings check.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How should I finance my studies?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"There are several ways to finance your studies. The most common are BAf\\u00f6G, student loans, scholarships and part-time jobs. Our financial advice service will help you find the best option for you and support you with the application process.\"}},{\"@type\":\"Question\",\"name\":\"What is the social contribution and what is it used for?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The social contribution is a mandatory fee that all students pay. It finances the Studierendenwerk&#8217;s social services, such as the canteen, halls of residence, BAf\\u00f6G counseling and more. This ensures that all students have access to these important services.\"}},{\"@type\":\"Question\",\"name\":\"Can I receive BAf\\u00f6G if my parents earn well?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"BAf\\u00f6G is based on your parents&#8217; income, but even if this is relatively high, you may be able to receive support. 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This will enable you to effectively reduce your electricity consumption and save costs.\"}},{\"@type\":\"Question\",\"name\":\"What documents do I need for the energy savings check?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You will need copies of your bank statements for the last six months, a copy of your passport or ID card and a copy of your current semester certificate for the electricity savings check.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>.st0 { fill: #002451; } Easy language Financial advice Find the right financing for your studies Financing your studies can be a big challenge, but we won&#8217;t leave you on [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":17236,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-17238","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.stw-muenster.de\/en\/wp-json\/wp\/v2\/pages\/17238","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.stw-muenster.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.stw-muenster.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.stw-muenster.de\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.stw-muenster.de\/en\/wp-json\/wp\/v2\/comments?post=17238"}],"version-history":[{"count":14,"href":"https:\/\/www.stw-muenster.de\/en\/wp-json\/wp\/v2\/pages\/17238\/revisions"}],"predecessor-version":[{"id":26309,"href":"https:\/\/www.stw-muenster.de\/en\/wp-json\/wp\/v2\/pages\/17238\/revisions\/26309"}],"up":[{"embeddable":true,"href":"https:\/\/www.stw-muenster.de\/en\/wp-json\/wp\/v2\/pages\/17236"}],"wp:attachment":[{"href":"https:\/\/www.stw-muenster.de\/en\/wp-json\/wp\/v2\/media?parent=17238"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}