Freedom through Solidarity

Income Share Agreements

With the Income Share Agreements, you can focus on your studies at the HSBA, while CHANCEN eG takes care of your tuition fees. In exchange, you commit to affording future generations with the same opportunity. Once you start working and earn above the minimum income threshold, you start making income-based repayments.

A fair financial solution where repayments are based on your income

ISA's for the HSBA

The Income Share Agreements (ISA) ensures equal access to education with a fair financial solution, irrespective of your current financial status.

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Study without financial stress
Protection with the minimum income threshold
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Capped Rates
Individual repayment structures
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Study

CHANCEN eG takes care of your tuition fees so you can focus on your studies.

Repayments

Contrary to regular loans, your repayments are made to the CHANCEN eG community and they are based on your income. You do not have a fixed amount of debt, but rather a repayment plan that is tailored to suit your individual financial capacity.

Income threshold

Repayments only start when you earn above the minimum threshold of 21.000 Euros Net. This ensures that the repayment plan is only activated when you can really afford it.

Capped

The repayment value is capped and reaches a maximum amount. A high income does not mean that the repayments are excessively high.

CHANCEN eG takes care of your tuition fees so you can focus on your studies.

Contrary to regular loans, your repayments are made to the CHANCEN eG community and they are based on your income. You do not have a fixed amount of debt, but rather a repayment plan that is tailored to suit your individual financial capacity.

Repayments only start when you earn above the minimum threshold of 21.000 Euros Net. This ensures that the repayment plan is only activated when you can really afford it.

The repayment value is capped and reaches a maximum amount. A high income does not mean that the repayments are excessively high.

Voices from HSBA

  • Prof. Dr. Inga Schmidt-Ross

    Prof. Dr. Inga Schmidt-Ross

    Professor of Marketing Vice President Academic & Manag. Education, Quality Management


    “We at HSBA are convinced that motivation, honourable action and innovative thinking are the basis for professional success. The Income Share Agreement (ISA) therefore fits in so well with us as a financing model, since it enables students to decouple study and the payment of tuition fees by paying back tuition fees only after graduation and depending on their income. This makes it possible to study independently of one’s own financial background and thus corresponds excellently to the basic philosophy of our application-oriented university”.

An overview of our financial support

During your studies, we take care of your tuition fees, partially or completely. When you graduate, income based repayments are made to Chancen eG over a 10 year period. Should your annual income be less than 21,000 Euros, repayments are not required. Your repayment is then shifted to a period when you earn above the minimum income threshold. Income is calculated after standard deductions of 21,2 % for employees and 37 % for freelancers.

Study programme and financing optionSemestertuition feeyears of repaymentIncome share
Master program
M.Sc. Global Management & Governance522.500 Euro108,25 %
M.Sc. Finance522.500 Euro108 %
M.Sc. Business Development522.500 Euro109 %
M.Sc. Digital Transformation & Sustainability528.500 Euro1010,5 %
M.Sc. Real Estate & Leadership4-522.500 Euro108,75 %
MBA Programs
MBA Executive
(full time/ part time)
3-430.000 Euro 104,5- 10,5 %
MBA Shipping2-419.800 Euro104,5- 10,5 %
MBA Corporate Management422.800 Euro104,5- 10,5 %

For MBA programs, the income share within the range is determined based on work experience and income prior to the MBA.

The exact conditions for M.Sc. Real Estate & Leadership are still being calculated for you. They will be announced here soon.

Your ISA

How do ISA's work?

The first step towards your future is the decision to study at HSBA. With the ISA you have the freedom to choose your desired degree.

As soon as you have applied at HSBA, you can simply apply for support from CHANCEN eG. Complete the application form and select a date for your interview. We will arrange the interview either at HSBA or in our offices. Should you be a suitable member for our community we will offer you a contract. Please note you do not require collateral or surety.

You can completely focus on your studies. With the ISA your tuition fees are paid directly by CHANCEN eG to HSBA. Once you have graduated you can take your time in deciding what the next steps on your career path will be. Maybe you would like to travel, do an internship or start a masters program?

As soon as your annual income exceeds 21.000 Euros you start repayments to CHANCEN eG, set at a fixed percentage of your total income. To calculate your individual annual repayments, your annual tax return statements are disclosed to us. Should you take a sabbatical or choose to study further your repayments are put on hold until you can afford to pay them again.

Your repayments ensure that future generations also have access to education using this fair financial model.

Your repayments are discontinued once you have reached the end of the repayment period, irrespective of the sum of money you have paid back. You are welcome to continue being a member of CHANCEN eG and engage in educational funding opportunities for future generations.


Contact

Nathalie Hubschneider

Bewerbungs- und Communitymanagerin