In special life situations, it may happen that you have a need that you cannot cover with your standard benefit or your savings.
Such an unavoidable need may arise, for example, due to loss, damage or theft. In such an emergency situation, a benefit in kind or cash benefit can be provided as a loan.
You must repay the loan. This is done by paying you ten percent of your standard needs less each month (offsetting).
There is no legal entitlement to a loan. A loan represents an absolute exception, which is always associated with debt for you.The interest of the Jobcenter is to avoid the debt case for you if possible. Therefore, the job center always checks whether another solution to cover the need is not possible.