Freedom Through Solidarity

Income Share Agreement

With an Income Share Agreement, 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.

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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 makes it possible for you to study as you wish. During your studies, CHANCEN eG pays your tuition fees and you can concentrate fully on your education.

Repayments

After you graduate, you pay back a pre-determined portion of your income to the solidarity community - so, unlike a loan, there is no fixed debt burden.

Income Threshold

Repayment does not begin until you exceed the minimum gross income of 27,000 euros, less income-related expenses. Therefore repayments are only made if you can really afford it.

Capped

At the same time, your contribution is capped and ends automatically when you reach the set maximum limit. Therefore, a high income does not mean an extremely high repayment.

CHANCEN eG makes it possible for you to study as you wish. During your studies, CHANCEN eG pays your tuition fees and you can concentrate fully on your education.

After you graduate, you pay back a pre-determined portion of your income to the solidarity community – so, unlike a loan, there is no fixed debt burden.

Repayment does not begin until you exceed the minimum gross income of 27,000 euros, less income-related expenses. Therefore repayments are only made if you can really afford it.

At the same time, your contribution is capped and ends automatically when you reach the set maximum limit. Therefore, a high income does not mean an extremely high repayment.

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”.

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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 8 year period. Should your annual income be less than 27,000 Euros, repayments are not required. Your repayment is then shifted to a period when you earn above the minimum income threshold. The relevant income is the positive income (gross) reduced by income-related expenses. The flat-rate deduction for self-employed persons is 16.4%.

Study programme and financing optionSemesterTuition feeYears of repaymentIncome share
B.Sc. Business Administration623,940 Euro810.76 %
B.Sc. International Management623,940 Euro810.74 %
B.Sc. Business Informatics623,940 Euro89.89 %
B.Sc. Logistics Management623,940 Euro812.49 %
B.Sc. Media Management & Communication623,940 Euro815 %
M.Sc. Business Development522,500 Euro89.85 %
M.Sc. Digital Transformation & Sustainability528,500 Euro812.48 %

General interest rates are changing a lot at the moment due to the central banks’ reaction to inflation. As a result, the costs of CHANCEN eG are also changing significantly. CHANCEN eG may therefore have to change the conditions at short notice.

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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 online. 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? Learn more about the ISA.

As soon as your annual income exceeds 27.000 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. Here you can download some repayment examples and learn further about repayment.

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.

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