Freedom Through Solidarity

Income Share Agreement

With an Income Share Agreement, you can focus on your studies at SMI, 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

ISAs for students at SMI

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 income). 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 income). 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 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%.

 

Bachelors

Degree CourseFinancingTuition FeesIncome shareRepayment Period in yearsSemester
B.A. Business Administration
Management & Innovation
Management & Innovation (Hybrid)100 %15,900 Euro 6.70 %86
Management & Innovation (Hybrid)75 %11,925 Euro5.50 %86
Management & Innovation (Hybrid)50 %7,950 Euro4.40 %86
Management & Innovation (Online)100 %12,920 Euro5.80 %86
Management & Innovation (Online)75 %9,690 Euro4.85 %86
Management & Innovation (Online)50 %6,460 Euro4.30 %86
Innovation, Technologie & Digitalisierung
Innovation, Technologie & Digitalisierung (Hybrid)100 %15,900 Euro 6.70 %86
Innovation, Technologie & Digitalisierung (Hybrid)75 %11,925 Euro5.50 %86
Innovation, Technologie & Digitalisierung (Hybrid)50 %7,950 Euro4.40 %86
Innovation, Technologie & Digitalisierung (Online)100 %12,920 Euro5.80 %86
Innovation, Technologie & Digitalisierung (Online)75 %9,690 Euro4.85 %86
Innovation, Technologie & Digitalisierung (Online)50 %6,460 Euro4.30 %86
Personalmanagement
Personalmanagement (Hybrid)100 %15,900 Euro7.00 %86
Personalmanagement (Hybrid)75 %11,925 Euro5.70 %86
Personalmanagement (Hybrid)50 %7,950 Euro4.60 %86
Organisation & Prozessmanagement
Organisation & Prozessmanagement (Hybrid)100 %15,900 Euro6.70 %86
Organisation & Prozessmanagement (Hybrid)75 %11,925 Euro5.50 %86
Organisation & Prozessmanagement (Hybrid)50 %7,950 Euro4.40 %86
Wirtschafts- und Organisationspsychologie
Wirtschafts- und Organisationspsychologie (Hybrid)100 %16,900 Euro7.00 %86
Wirtschafts- und Organisationspsychologie (Hybrid)75 %12,675 Euro5.70 %86
Wirtschafts- und Organisationspsychologie (Hybrid)50 %8,450 Euro4.50 %86

 

Masters

StudiengangStudiengebührenEinkommensanteilRückzahlungsjahreSemester
Msc Business Management
Data Analytics & Artificial Intelligence (Hybrid)20,900 Euro 6.50 %84
Data Analytics & Artificial Intelligence (Online)9,190 Euro3.50 %84
Digital Innovation & Business Transformation (Hybrid)20,900 Euro 6.50 %84
Digital Innovation & Business Transformation (Online)9,190 Euro3.50 %84
Digital Marketing (Hybrid)20,900 Euro 7.25 %84
Digital Marketing (Online)9,190 Euro3.90 %84
Management & Innovation (Hybrid)20,900 Euro 6.50 %84
Management & Innovation (Online)9,190 Euro3.50 %84

Your ISA

How do ISAs work?

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

As soon as you have applied at SMI, 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 EBS 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 SMI. 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 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 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

Student & Alumni Services