Paying for college later in life is unfortunately harder than you might first think. Anyone who wants to learn something later in life has to act on their own initiative in a constantly changing society. Even if you already have several years of work experience and an eventful life behind you, a degree lets you take up new areas of interest.

Access to universities is basically open to everyone, as long as you have a university entrance qualification. There is no age limit, though some universities have set a maximum age, which in most cases is 55 years. Otherwise, older people have the same rights and opportunities as the younger generation. There are several ways to give older people access to academic education, for example "Studium 50 Plus" or "Studium 60 Plus" programs. Nevertheless, there are no degree programs that are exclusively for seniors.

Paying for college later in life - financing options and discounts for students over 50

Legislation sets narrow limits on funding options. Most options are tied to a maximum age and offer discounts only in some cases.

BAföG (German state student aid) is only granted to students who are under 30 at the start of their studies. An exception applies only if it is the start of a master's program or if child-rearing is involved. Scholarships also usually have an age limit. However, there are special offers for people with work experience. The education loan is only granted up to the age of 36. Child benefit is also only paid out up to the 25th year of life. The age limits are meant to keep so-called "eternal students" away from the funding.

Paying for college later in life - studying part-time alongside work from age 50

Anyone who wants to study even at an advanced age and doesn't receive, or can't receive, funding can opt for studying alongside a job. For this, some institutions require the Abitur (German high school diploma) or at least the Mittlere Reife (intermediate school certificate). Other universities require no proof of prior schooling. Older guest students pay for their studies from their work or their pension.

Paying for college later in life



Paying for college later in life - Studium 50 Plus and other continuing education programs
Some universities offer "50 Plus" programs, which are events and seminars that are geared to the needs and interests of the older generation. Students here get the chance to take subject-specific study support and earn a degree.

Paying for college later in life - distance learning as an alternative for those eager to learn
Most students who receive no financial benefits or other grants wonder how they should pay for their studies. Those who pursue a distance-learning program alongside their job can set their study hours themselves. Work can be reduced by a few hours. If the knowledge to be gained from the program is useful, some employers continue to pay the salary during the studies. It is easier if your partner has a good salary, so that the family's income is secure.