Deciding fairly in cases of hardship

More and more people are financing their studies, training or further education with an ISA from CHANCEN eG. This positive news means that the number of our repayers is also steadily increasing. In order to be able to guarantee a fair repayment, we see it as our duty to respond to individual situations and to be able to decide fairly in cases of hardship. As of now, the Social Committee is responsible for this.

The Social Committee decides on requests for hardship from repayers. A case of hardship exists if, for example, serious health, family or social reasons make repayment temporarily impossible, even though the relevant income is above the contractual minimum threshold.

The committee decides whether to grant a temporary exemption from repayment and determines the period of exemption or decides on other fair solutions. Furthermore, the Social Committee shall always be consulted before legal dunning proceedings are to be initiated against a member for failure to make repayments.

The Members of the Social Committee

The CHANCEN Social Committee consists of 5 members. 2 of them are members of the CHANCEN Supervisory Board. Furthermore, we would like to consult an anti-discrimination representative regularly at meetings.

The other members are represented by 2 of our students and 1 of our repayers.

Presentation of the members







Hasan Güzel

Studied Applied Computer Science at Epitech Berlin.


Brief Introduction:

I am Hasan Güzel and I am 27 years old. I left home at the age of 18 and studied law for four semesters at the European University Viadrina in Frankfurt (Oder). After that, I worked in different companies for five years and got to know very different people with their very different life stories.

In 2019, I decided to start studying at Epitech, which was financed by CHANCEN eG. However, due to my career aspirations, I decided not to continue my studies at Epitech after four semesters and instead complete an IHK-recognized apprenticeship in the field of computer science. Nevertheless, my time at Epitech was very valuable and will help me to get closer to my professional goals.

Without the funding from CHANCEN eG, this would not have been possible. Based on all my experiences, I know how quickly it can happen that life circumstances change or one unexpectedly finds oneself in a “predicament”. This is exactly why I want to be involved in helping people in special life situations. I am happy to be an active member of the cooperative and to be able to give back to the community.






Kubrom Tzeggai

Bachelor student at the Universität Leipzig.



Brief introduction:

Hello, I am Kubrom, I am 25 years old and I am currently studying at the Universität Leipzig. Since CHANCEN eG makes it possible for me to study in the first place, I was very happy to have the opportunity to volunteer.

With this committee and the evaluation of individual hardship cases, CHANCEN eG remains true to the principle of solidarity, despite exceeding the minimum income threshold. Since this principle was one of the main reasons for me joining CHANCEN eG, I decided to join the committee and make my contribution.



Liv Reinhold

Successfully completed the Bootcamp Web Development of WBS Coding School and started her repayment phase in 2021.


Brief Introduction:

I have lived and worked in India, Germany and my native country Denmark. This means that I have had a chance to meet people in very different situations, and there is a good chance that I will be able to empathise with a wide spectrum of hardships that repayers can be in.

In my current position my primary function is to, on a case by case basis, asses applications for covid-19 compensation. I will therefore also bring with me professional experience in assessing cases objectively. Most importantly though, I strongly believe in the vision of CHANCEN eG of reducing the financial barriers to education, and I am happy to be part of the mission of making this a reality for more people.


Caspar-Fridolin Lorenz

Chairman of the Supervisory Board of the CHANCEN eG.


Brief Introduction:

Caspar-Fridolin Lorenz is the long-standing chairman of the supervisory board of the StudierendenGesellschaft, which developed the UGV at Witten/Herdecke University. He is also the managing director of a Berlin radiology practice, a management and organizational consultant, and a cultural scientist. He has many years of experience with the financing and business model of the Reverse Generational Contract.


David Reichwein

Supervisory Board Member of the CHANCEN eG.


Brief Introduction:

David Reichwein is a lawyer at the law firm von Bredow Valentin Herz, which specializes in renewable energy. He is also a research associate at Ecologic Institute, an independent academic think tank for environmental policy and sustainability research. His research focuses on renewable energies and international environmental law. In addition, he deals with questions of the interplay between digitalization and sustainability. After his law studies at Bucerius Law School in Hamburg and his legal clerkship with stations at the Federal Ministry for the Environment and the Federal Foreign Office, he gained experience in energy law, climate protection law and sustainable development.


Stephanie Inter

Payment & Career Support Manager