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If you find yourself in a financial emergency situation during your training, you can receive a loan or grant from the Jobcenter under certain conditions.
You may have a supplementary entitlement to citizen's allowance during (extra-)vocational training or, for example, a pre-vocational training measure. However, priority must be given to vocational training allowance or training allowance.
The same applies if you are a student in school education and receive benefits under BAföG. Even if you receive BAföG during your studies and live in your parents' household, you can receive supplementary citizen's allowance. The following benefits are therefore not relevant for you.
If you are studying and do not live with your parents, are in training and are not entitled to training support under BAföG (e.g. because you have exceeded the maximum funding period or the age limit) or are in training and accommodated in a boarding school, you are eligible for the following benefits:
Benefits for supplementary additional needs
Under certain conditions, you can apply for an allowance for so-called additional needs in addition to the educational support (e.g. BAföG benefits). These include
If you have income that exceeds your standard needs and the costs for your accommodation and heating, the excess amount will reduce the benefit for additional needs.
Initial equipment for pregnancy and birth
If you are pregnant or have given birth, you are entitled to additional financial support for initial equipment, for example for clothing or furniture. The condition is that you are in a financial emergency situation.
Hardship loan
In cases of particular hardship, you can receive a loan during your education. This is possible if exceptional, serious circumstances jeopardize your education and/or you find yourself in an emergency situation that threatens your existence.
You can receive a hardship loan if you do not receive BAföG or your BAföG benefits are not sufficient to cover your living expenses and you are unable to remedy the situation by taking up gainful employment.
You must repay the interest-free hardship loan after your studies.
Hardship grant
If you are a pupil in a school-based course and do not receive educational support because you have exceeded certain age limits and are a hardship case, you may be able to receive a grant if this is absolutely necessary for your integration into working life. The allowance can be paid for
The age limit for educational grants is generally 45 years, other exceptions are possible.
Students cannot receive a hardship grant, only a hardship loan.
Transitional loan
If you are already receiving basic security benefits and are starting training, you can receive a transitional loan for the first month. This loan can help you bridge a financial gap until you receive your first training allowance or training grant. It prevents you from jeopardizing the start of your training. It is only granted for the first month of training and is paid at the beginning of the month. The amount is based on the citizen's allowance.
You must repay the interest-free loan after your training.
If you find yourself in a financial emergency situation at the start of or during your training, you can apply for benefits for trainees. The following applies:
General
As a rule, you can benefit from the above benefits:
if the costs of accommodation and meals are covered by the employment agency or another benefit provider.
Loans in general
Hardship loan
Hardship allowance
You must apply for a loan or grant. The application can be made informally. Alternatively, you can also submit an application using the online application for citizen's allowance.
You do not have to pay any costs if you have an account. If you do not have an account, you will receive a payment instruction for a cash payment (ZzV cash). This is a check. However, you will incur costs as a result, which will be deducted directly from the benefit to which you are entitled. As the amount of the costs for the payment order can vary, please contact your local Jobcenter for more information. You can have the check paid out in cash. Payment is made exclusively via Postbank branches. The ZzV-Bar is a means of payment of Postbank AG, the use of which has been agreed separately between the Federal Employment Agency and Postbank.
Objection period: 1 month
Relocation, pregnancy, birth: if you lack the money for certain situations in your life, you can apply for one-off benefits.
In cooperation with the federal government, the Free State of Bavaria promotes the creation and maintenance of housing for trainees.