As others said you also get some grants that you don't have to repay. This was also 6 years ago and the numbers have changed a little since then. But otherwise

As others said you also get some grants that you don't have to repay. This was also 6 years ago and the numbers have changed a little since then. But otherwise yes. And I didn't live a very frugal life and I didn't have a lot of funds when I started out, just enough for furniture and similar.