Freedom through solidarity

Income Share Agreements

With Income Share Agreements, you can focus on your studies at the International Psychoanalytic University Berlin, while CHANCEN eG takes care of your tuition fees – partially or in full. In exchange, you commit to affording future generations with the same opportunity. Once you start working as a psychologist or a psychotherapist 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 for your preferred degree at IPU Berlin

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 27.000 Euros brutto. 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 27.000 Euros brutto. 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.

What the IPU and their students have to say about ISA's

  • Paulina Ruchniewicz

    Paulina Ruchniewicz

    Psychology student


    I am an educator and I’ve worked in this profession with all my heart and soul. After a short while my curiosity drove me to study psychology, in order to develop myself personally, to expand my professional skills and to gain a deeper understanding of the world. The Income Share Agreement means a great deal to me – whose parents simply cannot support me financially infinitely.

  •  Prof. Dr. Ilka Quindeau

    Prof. Dr. Ilka Quindeau

    President of International Psychoanalytic University


    The Income Share Agreement of Chancen eG enables students to study at the IPU Berlin regardless of their own financial resources. The income-dependent financing allows freedom for psychotherapeutic training and individual professional development even after graduation.

  • Dr. rer. pol. Rainer Kleinholz

    Dr. rer. pol. Rainer Kleinholz

    Chancellor of International Psychoanalytic University


    As a foundation university, we are dependent on proportional financing through tuition fees. With the Income Share Agreement of Chancen eG, the fees can be financed in a socially acceptable and equitable way. Thus, studying at the IPU Berlin does not depend on the financial background, but only on personal abilities.

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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 period is shifted to a time 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%.

 

We don’t fund the part-time Master’s programme in Psychology.

Course /
Financing option
Semester Tuition fees repayment period Income share
M.A. Psychology full time - 100% funding 4 22.400 Euro 8 12,6%
M.A. Psychology full time - 50% funding 4 11.200 Euro 8 6,31%
B.Sc. Psychologie - 75% funding 6 21.375 Euro 8 15%
B.Sc. Psychologie - 50% funding 6 14.250 Euro 8 10%

Application deadline

There are only a limited number of places per semester available for the BSc. Psychology degree programme/course (a total of 8 places per year).
For this reason, applications are only possible within the following periods:

Summer semester 2020

  • 1st application deadline: until 31.01.2020
  • 2nd application deadline: until 29.02.2020

Winter semester 2020

  • 1st application deadline: until 30.06.2020
  • 2nd deadline for applications: until 31.08.2020

Submitted applications will be assessed by the deadlines mentioned above. You will receive feedback on your application after the deadline.
Applications received after the end of the 2nd application deadline can only be considered for the following semester.

Your ISA

How does an ISA work?

The first step towards your future is the decision to study at IPU. With the ISA you have the freedom to choose your desired degree, without worrying about the tuition fees.

As soon as you have been accepted for your degree at IPU, you can simply apply for support from CHANCEN eG. Complete the application form and select a date for your interview. Should you be a suitable member for our community in solidarity we will offer you a contract. Please note you do not require collateral or citizenship.

You can completely focus on your studies. With an ISA your tuition fees are paid directly by CHANCEN eG to IPU Berlin. 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 or do an internship?

With your first annual income that 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.

Your repayments ensure future generations also have access to fair financing.

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

Application and Community Manager