Loans and funds
Generation Contract, Student Loans and Funds
For Frankfurt School students, the following financing options are primarily available:
- Income Share Agreement (also known as a Generation Contract) provided by Brain Capital
(for students from Germany, the EU, as well as international students from other countries who hold an unlimited residence permit) - KfW Student Loan
(for students from Germany and so-called “Bildungsinländer” (e.g. those who obtained their school-leaving certificate in Germany) - Prodigy Finance
(for international students who wish to study a Master’s or MBA program at Frankfurt School and who have not been residing in Germany up to 90 days before the start of their studies)
Please note that there are special financial aid programs for students from the United States, as well as additional country-specific funding opportunities, in particular student loans from students’ home countries.
Brain Capital Income Share Agreements (ISA)
Brain Capital offers students of Frankfurt School of Finance & Management a flexible and fair financing option based on an Income Share Agreement (ISA) – also known as Generation Contract model.
The principle: study first, pay later based on income. Students do not pay their tuition fees during their studies, but only after entering the workforce – and only if they reach a defined minimum income level. This ensures that studying remains accessible to everyone, regardless of their financial background.
How the Brain Capital Financing Model (ISA) works
Advantages of ISA
• Study without tuition fees:
A Brain Capital student funding company covers the tuition fees (in full or in part) and pays them directly to the university.
• Fair payments after graduation:
Only after graduation and once an annual income of more than €30,000 is reached, graduates pay a fixed percentage of their income for a maximum of 10 years – fully flexible and adapted to their individual life situation.
• Solidarity for future generations:
The payments flow back into the student funding company, creating a sustainable financing cycle that benefits everyone.
• Full freedom and security:
No debt, no fixed installments. Your payments are income-based and are waived if the minimum income threshold is not reached. This also gives you full flexibility in planning your life (e.g. pursuing a master’s degree or taking parental leave).
Eligibility Requirements for Funding by Brain Capital
- Enrollment in a bachelor’s, master’s, or MBA program at Frankfurt School of Finance & Management
- Citizenship of a member state of the European Union
Selection Process
The selection process for offering an Income Share Agreement is conducted by Brain Capital GmbH. Your contractual partner is Brain Capital.
How the Brain Capital Financing Model (ISA) works
Advantages of ISA
• Study without tuition fees:
A Brain Capital student funding company covers the tuition fees (in full or in part) and pays them directly to the university.
• Fair payments after graduation:
Only after graduation and once an annual income of more than €30,000 is reached, graduates pay a fixed percentage of their income for a maximum of 10 years – fully flexible and adapted to their individual life situation.
• Solidarity for future generations:
The payments flow back into the student funding company, creating a sustainable financing cycle that benefits everyone.
• Full freedom and security:
No debt, no fixed installments. Your payments are income-based and are waived if the minimum income threshold is not reached. This also gives you full flexibility in planning your life (e.g. pursuing a master’s degree or taking parental leave).
Eligibility Requirements for Funding by Brain Capital
- Enrollment in a bachelor’s, master’s, or MBA program at Frankfurt School of Finance & Management
- Citizenship of a member state of the European Union
Selection Process
The selection process for offering an Income Share Agreement is conducted by Brain Capital GmbH. Your contractual partner is Brain Capital.
Further information
If you would like to learn more about Prodigy Finance loans, we will be happy to advise you. Please contact us by email at financing@fs.de
Prodigy Finance
Prodigy Finance offers loans to international Master and MBA students enrolled at Frankfurt School. Applicants must be citizens of a supported country and must not have resided in Germany for more than 90 days prior to the start of their studies.
Loans are provided in USD, with two options available: a No Co-signer Loan and a Co-signer Loan (the latter is available exclusively to residents of India). Loan funds can be used to cover tuition fees and living expenses during the study period. Disbursements are made directly to the university for tuition payments or to the student’s account for living costs.
Please note that Frankfurt School’s Master’s and MBA programs will only appear on the Prodigy Finance website from March onwards, as our degree programs start in the fall semester.
Repayment generally begins six months after graduation. Early repayments are possible at any time without additional charges. The average repayment period is approximately 4.5 years.
Further information
If you would like to learn more about the Prodigy Finance loan options we will be happy to advise you. Please contact us by email at financing@fs.de
KfW Student Loan
The KfW Student Loan is a government-subsidized loan program for German students offered by the Kreditanstalt für Wiederaufbau (KfW). It is designed to finance living expenses during studies, regardless of the income or assets of the student’s parents. The program is available to students enrolled at public or state-recognized universities in Germany.
Further information on the student loan
The monthly disbursement can be individually selected between €100 and €650 and adjusted if necessary. Funding is generally available for up to 14 semesters. The loan can also be used for part-time studies or for a second, additional, or postgraduate degree program.
(not available for international students)
After a grace period, repayment begins in predictable monthly installments. The interest rate is variable but can be fixed for certain periods upon request. Special repayments and early repayments are possible at any time.
German nationals as well as EU citizens with permanent residence in Germany are eligible to apply.
Further information
If you would like to learn more about the KfW student loan we will be happy to advise you. Please contact us by email at financing@fs.de
