Freedom Through Solidarity

Income Share Agreement

With an Income Share Agreement, you can focus on your studies at Karlshochschule, 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 or even found your own company 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 your preferred degree at Karlshochschule

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 gross. 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 gross. 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.

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%.

Course /
Financing option 		Semester Tuition fees repayment period Income share
all programs 6 24.840 Euro 8 12%

Contact

Nathalie Hubschneider

Student & Alumni Services