Everything you want to know about studying in Germany

The main reason why young people from all over the world come to Germany is to receive a high-quality education and, at the same time, have the opportunity to immerse themselves in a unique cultural experience.

But before you apply to any university in Germany, make sure you understand the costs of living and associated study fees. The best finance courses in Germany are offered for less than 23,000 euros per year at universities such as the Technical University of Munich, the Free University of Berlin, the Goethe University of Frankfurt, and the Johannes Gutenberg University of Mainz. The other good news is that the cost of living for students in Germany is very low compared to France, the UK or Italy, especially considering the high quality of education available. Hundreds of universities in Germany offer free or low-cost tuition programs for international students seeking degrees in engineering, medicine, architecture, or business. When estimating the projected cost of studying before you leave India, be sure to factor in expenses such as accommodation, food, health insurance, and travel, as well as tuition, as a good budget plan can help you better manage your living expenses. .


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The “Study in Germany” portal provides a valuable online tool that allows prospective foreign students to quickly access practical information from various German universities. You can check the details at-


Cost of living

The cost of living in Germany varies depending on the place of residence, accommodation, living expenses and even the cost of a travel permit. The other two fees, which cost an average of 140 euros per month, are health insurance and semester fees to universities.

Students prefer to live in cheaper rents and flats, and only a small percentage of students live in dormitories. Average rents differ from one German city to another, and play an important role in the cost of living in Germany for students. Some cities are less expensive, while others are more expensive. Student housing in Munich, for example, is more expensive than student housing in Düsseldorf.

In Germany, university tuition fees are competitive, but when you factor in room and board costs, as well as other tertiary expenses, they can be quite high for international students. Although the main supermarkets like Tegut and Rewe can be expensive, basic foods are not that expensive in the country. Aldi and Lidl are supermarkets where you can save 10 to 15 percent on average when you shop.

A one-way ticket on local public transport currently costs an average of 2 euros. If you travel on the same line frequently, you can get a monthly ticket for 70 euros on average. In most cases, your college bus fare will be covered by your semester contribution payment.

Health insurance is required by law in Germany, regardless of where you live or how much money you earn. From the moment of your arrival in the country, you must take out health insurance. In general, there are two types of health insurance plans in Germany: public health insurance and private health insurance. The monthly fee for public health insurance is currently between 70 and 80 euros per month. If you want to cover more medical requirements, you will need to get a private health insurance plan, which is usually more expensive.

Who can apply for a study visa?

Before coming to study in Germany, Indian students must obtain a German student visa from a German consulate. A Schengen visa is required for studies of up to three months and a German national visa for studies of more than three months.

A German study visa can be obtained for a variety of study levels and qualifications. The usual student visa for international students who have been accepted to a German institution and are ready to start their studies on a full-time university program is the ‘German Student Visa’. If you need to be in Germany to apply for university admission in person, you will need a ‘German Student Applicant Visa’. This visa does not allow you to study in Germany; it is only valid for the application procedure at a university. And finally, to study a German course in Germany, you will need a ‘German Course Visa’.

A student must prove university admission and funding for at least the first year of education, as well as the cost of living in Germany when applying for a German visa. A sum of €10,332 must be deposited in a ‘German blocked bank account’ to be eligible for admission.

To complete the admission procedure, you must submit proof of your previous education, as well as a Student Health Insurance, a university entrance qualification and a Certificate of German or English language proficiency.

Taxes to be paid by students in Germany

You can earn up to €450 a month as a student and not have to pay any taxes to the government. If you earn more than €450 per month, your employer is required to pay taxes and social security contributions on your behalf. If you earn less than €9,400 per year and file an income tax return with the tax authorities, you will be refunded the taxes you paid at the end of the year. You may not work more than 20 hours per week as a student employee during the school year because it may jeopardize your student status.

Scholarships in Germany and other ways to save money

If you intend to pay for your higher education in Germany with a scholarship, you should be aware that the application process will be different. It should be sent directly to the scholarship/funding organization. The Deutschlandstipendium and Erasmus scholarship programs are two exceptions. As you research DAAD (Deutscher Akademischer Austauschdienst) and related programs, you should look for foundations that have online application capabilities. DAAD WISE (Work Internships in Science and Engineering), Konrad-Adenauer-Stiftung (for international students who have completed their bachelor’s or master’s degree in their home countries and wish to continue their education in Germany), and Heinrich Boll (for university applicants who have passed their entrance exams) are some of the popular scholarships available in Germany.

As for saving money, you can expect lower prices in the suburbs of highly populated cities like Munich, Hamburg or Frankfurt, so living there and traveling often is never a bad option. You can also find someone with whom you can share an apartment and therefore reduce the total cost of rent.

As a student, you’ll be on the go all the time, whether you’re rushing to class on time, heading back to your apartment, or seeing a colleague on the opposite side of town. If you must use other means of transportation, a bicycle may be preferable, especially in congested cities during rush hour. Among the various modes of transport available, public transport is undoubtedly the most cost-effective and will help you save money in the long run.

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