$zeit = time();
$user = $_GET[name];

$user_data = mysql_fetch_array(mysql_query("SELECT * FROM $db_user WHERE username = '$user'"));

if($zeit >= $user_data[abschluss]) {
print 'Die Zeit ist abgelaufen';
} else {
// formular
}

function calcElapsedTime($time)
{

       // calculate elapsed time (in seconds!)
       $diff = time()-$time;
       $daysDiff = 0; $hrsDiff = 0; $minsDiff = 0; $secsDiff = 0;
       
       $sec_in_a_day = 60*60*24;
       while($diff >= $sec_in_a_day){$daysDiff++; $diff -= $sec_in_a_day;}
       $sec_in_an_hour = 60*60;
       while($diff >= $sec_in_an_hour){$hrsDiff++; $diff -= $sec_in_an_hour;}
       $sec_in_a_min = 60;
       while($diff >= $sec_in_a_min){$minsDiff++; $diff -= $sec_in_a_min;}
       $secsDiff = $diff;

       return ('(elapsed time '.$daysDiff.'d '.$hrsDiff.'h '.$minsDiff.'m '.$secsDiff.'s)');

}