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The employment agency also claims in [Berufenet] that a collective basic salary of 4090 to 4603 euros is provided for my occupation. The reality is different. So don’t always be misled by who earns what (or is supposed to earn).

To add my two cents on the topic of salary expectations for students:
A good friend once asked me (when she was still studying) what my gross salary was back then. When I told her the number (at that time about 10 years of professional experience + completed part-time studies), she looked at me in disbelief and said that she couldn’t imagine working for so little after her studies.

Admittedly, I was still working in my hometown (Leipzig) at the time, where salary standards were somewhat different and the bank often made use of the possibility of outsourcing (with different tariffs).
And: admittedly, I can only shake my head now when I compare my net salary back then with my net salary today. But the number posted above roughly corresponds to my current earnings after > 20 years of professional experience and 2 part-time degree programs in a job that is vital for my employer (so not insignificant).

But to get back to the topic:
Of course everyone is happy about lower interest rates.

have you ever checked what happens to your
- 2.5% repayment and 0.5% lower interest rate after the fixed interest period and
which amount
- remains with 2% repayment and 0.5% higher interest rate.

I once made a sample calculation (although with a bigger difference) and found that over time the compound interest effect on the loan with the higher interest rate brought me relatively close to the final amount of the second variant. I was surprised at the time but could explain it to myself by the compound interest effect, which became more noticeable especially in the last few years. That’s why it is always recommended to increase the repayment rate when interest rates fall.

Nobody in my circle of acquaintances started with less than 40 K €... and not in BaWü but in Lower Saxony... but okay. The last full salary list of a medium-sized mechanical engineering company I saw (BaWü) did not have a single full-time employee earning less than 1750 €... just so you know.

1750 gross is only 21,000 euros (up to 24,500 euros) per year and not 40,000.

Kitchen staff in a canteen in the public sector would probably start at about 1850 euros gross.

That would meet your requirement.

I think it's hard to compare the interest rates today with those back then. Although interest rates are lower today, property prices have increased many times over. I believe they cancel each other out in the end.

EXAMPLE: Here in Berlin, the parents of a friend paid about 120,000 DM for a semi-detached house with a 350m2 plot of land (the land itself). Today, you have to pay around €120,000 and up for the same plot in a similar location. The low interest rates don't help me much there. Today in Berlin, the price per square meter of land is €400-500. Back then, it was about 300 DM, which is about €150.

No one from my circle of acquaintances started with less than 40 K €... and not in BaWü but in Lower Saxony... but okay.

Well - we can throw salaries at each other here, but that hardly gets us anywhere. Especially with engineers (since you come from that field, as I have read), there has been an increased demand in recent years, which means technical graduates are heavily courted and enticed. The circumstances have simply changed in recent years. When I finished my bank apprenticeship in 1994, I was taken on with (I think) 1,800 DM gross and was thrilled to bits about this salary. Today, some have nearly that amount in euros during their training. This discussion also shows that it is not only prices but also (which is often swept under the rug in discussions about prices, cost of living, etc.) salaries that have in some cases increased significantly in recent years.