Financing of your pilot training

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 a glance

Payment by training phase

We issue invoices prior to the respective training phases. Thus, you will start, for example, with the partial sums of € 15,000 each for the theory and the SEP phases. Following these important milestones, you can finance the remaining amount of € 75,000 with the help of a financing provider.


The Swiss training phases and payment rates are structured as follows:

Current offers


Here you can find options for financing by third-party providers.

Training loans

With its many years of experience in financing and capital investments, Albatros offers you traditional financing of your pilot training at attractive terms. You can finance between € 25,000 and € 100,000 of your training costs at a fixed interest rate and repay your loan within ten years. The repayment can be suspended for up to 24 months.

For more information, please visit the Albatros Financial Solutions GmbH website:

Educational funds

Brain Capital has developed a new financing model aimed at providing access to pilot training for everybody. With a base capital of € 30,000 that you raise yourself, you can start your pilot training. Brain Capital will assume the remaining training costs of € 75,000 and you will only repay a fixed percentage of your income over a period of twelve years once your minimum yearly income exceeds € 25,000.

The individual 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). You can find the most important details in the attached flyer.

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



Financial grants and subsidies


Under certain circumstances you might be eligible for federal financial aid, depending on whether you begin your pilot training in Germany or Switzerland. You can find an overview here.

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)).

Subsidies for higher technical colleges

Contributions by the cantons for the training course with the degree of “Dipl. Pilot/-in HF” (officially recognized by the Swiss educational system))
The Interkantonale Vereinbarung über Beiträge an die Bildungsgänge der höheren Fachschulen (HFSV, Inter-Cantonal Agreement on Contributions for Educational Programs at Technical Colleges) has been the basis for the equitable access of students to the educational programs at higher technical colleges (HF, Höhere Fachschulen). In particular, the Inter-Cantonal Agreement provides for the amount of the contributions that a canton makes to the education of its students.
The study programs at the higher technical colleges are funded in part by these cantonal contributions, provided, however, that our students meet certain requirements, including, but not limited to, having a place of residence in Switzerland (while pursuing their training).
Any subsidies paid out are already deducted (current as of 10/2022) from the training costs, as we do not offer the training in a break-even manner at this time.


Declaration of intent to hire by the SWISS and Edelweiss airlines

When training to become a pilot in Switzerland, you will have the opportunity to conclude a declaration of intent to hire with the SWISS and Edelweiss Lufthansa Group airlines already prior to the start of the training. The prerequisite in this case is that you receive, in an additional selection step that is called the “pre-airline fit,” a favorable decision (“board positive”). If you have received such a favorable decision and have concluded your declaration of intent to hire, you can avail yourself of the funding benefits.

With an initial investment of CHF 30,000, you can begin your training. As a Swiss citizen, you will receive a federal subsidy pursuant to the Verordnung über die Finanzhilfen für Ausbildungen im Bereich der Luftfahrt (VFAL, Swiss ordinance on financial aid for aviation training) in the amount of CHF 60,000, while as an EU/EFTA citizen the corresponding amount will be CHF 36,000. The remaining costs of CHF 45,000 respectively CHF 69,000 will be deferred by the airline, which means that you can pay them back out of your salary as a pilot after completion of your training, starting in the 3rd year with a monthly payment of CHF 1,000 for 45 months (applicable to Swiss citizens) respectively with a monthly payment of CHF 1,150 for 5 years (applicable to EU/EFTA citizens).

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