Studying in Finland is tuition-free for EU/EEA students, and the student support system is generous. Here is everything you need to know about living as a student.
Tuition is free for EU/EEA students at all Finnish universities and universities of applied sciences (AMK). Non-EU students in programmes starting from 2017 pay tuition fees that vary by institution (typically 8000 to 18000 euros per year), but many universities offer scholarships that cover part or all of the fees. There is usually a small student union fee of about 80 to 130 euros per year.
Finnish residents studying full-time can apply for student financial aid from Kela, which includes: study grant (opintoraha, about 268 euros per month), housing supplement or general housing allowance, and a government-guaranteed student loan (up to 650 euros per month). EU/EEA students who work at least 18 hours per week in Finland may qualify. Non-EU students on a student residence permit may qualify after meeting certain conditions. Apply at kela.fi.
Student housing organisations offer affordable apartments near campuses. In Helsinki, HOAS (hoas.fi) provides apartments from about 250 to 500 euros per month. In Tampere, TOAS and in Turku, TYS offer similar services. Apply as soon as you receive your study place, as waiting lists can be long. Private market alternatives include shared flats (kimppakämppä) found on Facebook groups and tori.fi.
Kela subsidises student meals at university restaurants. A full meal costs only about 2.95 euros with your student card. Get a Frank student card (frank.fi) which gives you meal discounts plus discounts on transport (HSL student pass is significantly cheaper), VR trains, and many shops. The Frank app on your phone works as a digital student card.
The Finnish Student Health Service (YTHS, now FSHS) provides healthcare for all degree students in Finland. Services include general practice, dental care, mental health support, and specialist referrals. The healthcare fee is included in your student union membership. Appointments are booked through the FSHS website or app. Waiting times are generally short.
EU/EEA students can work without restrictions. Non-EU students on a student residence permit can work up to 30 hours per week during term and full-time during holidays. Many students work part-time in hospitality, retail, or their field of study. Student jobs are listed on university career services, Duunitori, and company websites. Working also helps with Finnish language practice and networking.
Common mistake
Not applying for the Frank student card immediately. It saves significant money on meals, transport, and everyday purchases. Get it as soon as your study place is confirmed.
Good to know
Finnish student culture includes strong student unions, student overalls (haalari) culture, and vibrant social events. Student organisations (ainejärjestö) are a great way to make friends and integrate into Finnish university life.