Have you received a loan to help you through an acute financial emergency? Here's what you need to know about repayment.
If you receive subsistence assistance and have been granted a loan by the responsible agency due to an acute financial emergency or to bridge a pension gap, you are generally required to repay it. You can repay it as a lump sum or in installments. The repayment may be deducted from your monthly benefit payment.
You already submitted the necessary documents when you applied for the loan.
Repayments for supplementary loans while receiving benefits can be offset against your monthly benefit entitlement.
Loans to bridge a pension gap are usually repaid according to the repayment plan starting the following month by offsetting them against your benefit entitlement.
Loans taken out in cases of temporary emergency, where the need for assistance is only for a short period, can be repaid through a single payment or in installments.
The specific procedure depends on the individual case. Please clarify the details with your caseworker.
They begin repaying the debt when it is fully or partially due.
The processing time depends on the individual case.
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Contradiction
Section 37 of the Twelfth Book of the Social Code (SGB XII)
https://www.gesetze-im-internet.de/sgb_12/__37.html
Section 37a of the Twelfth Book of the Social Code (SGB XII)
https://www.gesetze-im-internet.de/sgb_12/__37a.html
Section 38 of the Twelfth Book of the Social Code (SGB XII)
https://www.gesetze-im-internet.de/sgb_12/__38.html
Keywords: Reimbursement of costs for social assistance Reimbursement of reclaimed social assistance Reclamation of reimbursement of expenses (social assistance) Loan Reclaim
Last updated: 12.01.2026