Freedom through solidarity

Income Share Agreements

With Income Share Agreements you can focus on your studies at the praxisHochschule 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 as a dental hygienist, health manager or physician assistant 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 your preferred degree at praxisHochschule

Income Share Agreements (ISA) is a fair financial model providing you with equal opportunity for your studies, irrespective of your financial background.

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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.

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 period is shifted to a time when you earn above the minimum income threshold. Income is calculated after standard deductions of 21.3 % for employees and 37.3% for freelancers.

Course /
Financing option
Semester Tuition fees repayment period Income share
BSc Dental Hygiene and Prevention Management 4 15.600 Euro 10 8 %
BSc Dental Hygiene and Prevention Management 6 23.400 Euro 10 12,5 %
BSc Digital Dental Technology 4,6 18.200 Euro 10 9,5 %
BSc Clinical Nutrition 6 12.600 Euro 10 8 %
BSc Physician Assistance 6 18.399 Euro 10 8 %
BA Health Management 6 16.200 Euro 10 9,5 %

Your ISA

How exactly do ISA's work?

The first step towards your future is the decision to study at praxisHochschule. With an 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 praxisHochschule, 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 ISA's your tuition fees are paid directly by CHANCEN eG to praxisHochschule. 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 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 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

If you have Questions or Feedback, let us know!