Financing of your pilot training in Germany

Overview on rates, grants/subsidies, and financing options

Launch aid to start your life as a pilot

Your financing options in detail

Very few young people are able to finance the pilot training out of pocket. We have compiled options on this page that you can avail yourself of to finance your training so that your dream job of pilot does not have to remain a dream. We are currently working on other aid and will add relevant information on this page as appropriate.

At the moment we are offering the following financing options:

Financing options provided by Brain Capital in Germany and the EU


Our financing partner, Brain Capital GmbH, offers a downstream income-related financing model aimed at providing access to pilot training for everybody. Once you have concluded a training contract with EFA, no further financial security (e.g., guarantee provided by a family member) is required. This financing offer is open to all interested parties who are EU citizens.

Your financial aid might look like this*:

You have basic capital of € 30,000, which you raise yourself (or via our financial partner Albatros, for example) and with that can start your pilot training. Brain Capital provides you with the capital for the remaining costs of your training of € 80,000. Repayment commences only once the minimum annual income exceeds € 30,000. From then on you will repay a fixed percentage of your income over a period of twelve years.
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The specific repayment amount is contingent upon your income level – the more you earn, the higher your repayment amount will be, and vice versa (principle of solidarity). This means that the model adapts to your personal career and ability to pay. Repayment is only made in the years in which your annual income exceeds €30,000. After 20 years at the latest, you no longer have any obligations. You can find the most significant details in the attached flyer**. 

The contact persons at Brain Capital are looking forward to your message or your call and will happily advise you.


*The above data are for illustration purposes only. The contractual terms and conditions are agreed upon directly between you and Brain Capital without the involvement of the European Flight Academy and may deviate from the data above.

** The respective providers are responsible for the content of the informational materials (flyers, videos).   

Financial aid provided by Albatros in Germany


In addition to Brain Capital's education fund, our financial partner Albatros offers various forms of financial options for pilot training. In these cases, the borrowers are persons who have a fixed income – oftentimes the parents.

  • Personal loans: The financing amount can be anywhere between € 2,000 and € 100,000 and is paid out immediately. The maximum term is 10 years. 
  • Real estate loans: Real estate can be mortgaged with an unencumbered charge on land starting at financing amounts of € 50,000. 

Please note that all financing options provided by Albatros require a borrower/guarantor with a fixed income and a permanent residence in Germany.
The Albatros team is looking forward to your inquiry and will be happy to advise you in detail.


The respective providers are responsible for the content of the informational materials (flyers, videos).

Albatros Financial Solutions GmbH

BAföG in Germany

Educational aid pursuant to the Bundesausbildungsförderungsgesetz (BAföG, German Federal Law on Educational Support) for the ATPL

Because of the recognition of equivalence pursuant to the Federal Law on Educational Support (BAföG), it has been possible since October 1st, 2019, to apply for educational aid for the duration of the training at the European Flight Academy.

As a rule, every student registered with EFA at the training location in Germany is eligible to apply for educational aid. An application can be filed once the training agreement has been signed. The relevant documentation will be provided upon request following conclusion of the training agreement. If approved, educational aid will be provided starting with the month in which the training commences; at the earliest, however, with the month in which the application is filed.

For the time spent in the USA in the context of the training, an application for educational aid is to be filed with the competent international office, in this case the Studierendenwerk Hamburg – Amt für Ausbildungsförderung (Student Services – Office for Education Funding (BAföG-Amt).

Payment by training phase

We invoice you before the respective training sections, so you don't have to provide the entire training sum at once.

The training phases and payment rates in Germany are structured as follows:


Training costs will become due in 5 rates before the respective training step:

Time period
1. Rate
Before the start of the theory phase and thus the start of your training
15.000 €
2. Rate
Before the start of the single engine phase (deposit for the single engine phase)
15.000 €
3. Rate
During the single engine phase
30.000 €
4. Rate
Before the start of the multi-engine phase (after the completion of the single single-engine phase)
35.000 €
5. Rate
Before MCC Phase
15.000 €
Total basic costs =
110.000€ *
* Without regarding financial aid (eligibility for a student grant pursuant to the BaFöG may be given given)

Funding through partial scholarships for program participants of non-profit organizations

We want to offer talented young people who have been means-tested the opportunity to make their dream of becoming a pilot a reality, which is why we enter into cooperation agreements with foundations and non-profit associations.  
Our first partner is a registered association for intercultural encounters, the AFS Interkulturelle Begegnungen e. V. Alumni of the year-long study-abroad program or the volunteer service whose means-test has been positive may be eligible for a partial scholarship. Interested students of at least 15 years of age can apply for the year-long study-abroad programPlease note that the grants are reserved exclusively for AFS-Almuni.

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