Press Release: Medschool Experts Has Been Cooperating with Horbach Ärztefinanz Since 2025
13.10.2026
Σύντομη απάντηση
Medschool Experts has cooperated with Horbach Ärztefinanz since 2025 — financing advice for studying medicine abroad after the education funds closed.
What has been agreed?
Since 2025, Medschool Experts has been working with Horbach Ärztefinanz, a financial services provider specialising in the academic healthcare professions. Students who obtain a study place abroad through Medschool Experts can use this cooperation to obtain financing advice tailored to their own situation.
Why the topic has gained weight
For many years, German education funds were the most important financing instrument for studying medicine abroad. Because interest rates have risen, Chancen eG and Deutsche Bildung have stopped accepting new applicants for an indefinite period. That has removed one of the load-bearing elements.
What remains has to be combined properly:
- Auslands-BAföG — German state student funding for studies abroad, with a maximum rate of €992 per month, plus a tuition fee contribution of up to €5,600 and a travel allowance of €250 paid twice
- Kindergeld — German child benefit of €259 per month, for as long as the German residence is maintained and the age limit of 25 is not exceeded
- Holiday work — with four to five months outside the lecture period, experience shows €2,000 to €3,500 per year
- Student loans — from Sparkasse Herford and apoBank, among others
What the cooperation provides
The cooperation addresses exactly the point at which advice regularly gets stuck: not the question of which university is the right one, but how six years of study can actually be financed all the way through — including the years after the one-off tuition fee contribution has run out.
For transparency: Medschool Experts does not broker financial products itself. Advice and brokerage are provided by the partners licensed to do so. Access through us is free of charge for our students, and they decide independently whether to enter into any agreement.
{{cta}}Marcel Kloos on what this means
The loss of the education funds was a turning point for our industry. At times, an estimated 80 per cent of all German medical students abroad financed through an education fund came from us. When that route closed, we had to put the financing question on a new footing.
That is precisely why this cooperation exists. I see no point in leaving prospective students alone with a list of possible sources of money. Working through the elements with a specialist — using a family's real figures — is a different matter from a fact sheet.
And let me also say what I do not do: I do not sell financial products, and I do not tell anyone to take on a loan they will not be able to carry later. When the numbers do not add up, the honest answer is sometimes a more affordable location — not a bigger loan.
Summary
- Medschool Experts has been cooperating with Horbach Ärztefinanz since 2025.
- The subject of the cooperation is financing a medical degree abroad.
- The reason is that the large German education funds have stopped accepting new applicants because interest rates have risen.
- The load-bearing elements today are Auslands-BAföG, Kindergeld, holiday work and student loans.
- Medschool Experts does not broker financial products itself; advice is provided by the licensed partners.
About Medschool Experts
Medschool Experts, based in Bern, places students in human medicine, dentistry and veterinary medicine at universities across Europe. More than 500 students have been placed at more than 25 partner universities to date. The company was founded by Marcel Kloos, a dentist with Swiss federal recognition who completed his degree in Sofia.
Press contact
Medschool Experts, Zähringerstrasse 23, CH-3012 Bern. Please send enquiries to us via our contact form.
Read more
- Financing a medical degree abroad — every element in detail.
- Monthly budget for studying medicine abroad — what everyday life really costs.
- Studying medicine abroad without a numerus clausus — locations, costs and recognition.
Last reviewed: August 2026
How long has the cooperation been in place?
Since 2025.
Who is Horbach Ärztefinanz?
A financial services provider specialising in the academic healthcare professions — that is, doctors, dentists and pharmacists, as well as students in those subjects.
What does the advice cost for students?
Access through Medschool Experts is free of charge for our students. Whether they enter into any product, and which one, is entirely their own decision.
Does Medschool Experts sell financial products?
No. We place students at universities and accompany them through their studies. Financial products are advised on and brokered exclusively by the partners licensed to do so.
Why is this topic relevant right now?
The education funds run by Chancen eG and Deutsche Bildung have stopped accepting new applicants for an indefinite period because interest rates have risen. That has removed a financing instrument that had been central to studying abroad for years.
Which elements remain?
Auslands-BAföG with a maximum rate of €992 per month and a tuition fee contribution of up to €5,600, Kindergeld of €259 per month, holiday work, and student loans from Sparkasse Herford or apoBank.
Further reading
More guides on this topic
- Press release: Medschool Experts has worked with Anatomedic since 2025 to equip its students
- Press Release: Medschool Experts Has Been an Official Partner Agency of the Academy of Silesia in Katowice Since 2025
- Press release: Medschool Experts becomes an official partner of the Lanka Hospitals group in Sri Lanka
Τι λένε οι φοιτητές για τη Medschool Experts
Πάνω από 500 τοποθετήσεις σε 25+ συνεργαζόμενα πανεπιστήμια σε περισσότερες από 10 χώρες. Δείτε πώς βίωσαν οι φοιτητές μας τον δρόμο τους προς τις ιατρικές σπουδές στο εξωτερικό μέσα από τις ιστορίες φοιτητών μας.
Σχετικά με τον συγγραφέα
Marcel Kloos
Swiss-licensed dentist, founder and owner of Medschool Experts
Marcel Kloos is the founder and owner of Medschool Experts, a placement agency for medicine, dentistry, veterinary medicine and pharmacy degrees abroad. Since 2021 the team has secured more than 500 study places at over 25 partner universities in Europe and worldwide.
Study medicine abroad: Marcel's own path
Born in Stuttgart, Marcel started his degree late: at 24 he enrolled at the Medical University of Sofia, Faculty of Dental Medicine, and graduated in 2021 from the English-language programme. He went through the same steps his clients face today — nostrification of school certificates, entrance interviews, finding a flat in Sofia and later the recognition of a foreign degree. In Switzerland he completed the federal recognition procedure and holds a Swiss dental licence.
What Marcel does at Medschool Experts
Today Marcel lives in Bern and runs Medschool Experts full-time. He visits every partner university in person, negotiates placement agreements directly with faculties and deans, and leads the free consultations in which applicants learn at which university they can start next semester. His YouTube channel on studying medicine abroad has helped thousands of applicants compare universities, costs and recognition.
Topics Marcel writes about
- Study medicine abroad without an entrance exam: universities, costs and admission
- Study dentistry, veterinary medicine or pharmacy in Europe in English
- Tuition fees and living costs at medical schools in Europe and worldwide
- Recognition of foreign medical degrees in the EU, Switzerland, the UK and the US
- Transferring between medical schools and returning home into a higher semester
All articles by Marcel Kloos are based on first-hand visits to the universities, placement data from Medschool Experts and conversations with current students. Book a free consultation to discuss your own path.
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