The Cost of Living and Studying in Germany

The cost of living and studying in Germany is fairly reasonable in comparison to other European countries. In fact, the cost of food, clothing, and living is in line with price levels in the European Union. Therefore, you’ll need around €800 a month to cover living and accommodation expenses.

Expenses will include the following:

  • Personal expenses: rent, food, clothes, books, phone etc.
  • Semester contribution (will be discussed below).
  • Obligatory health insurance.
  • Tuition fees

As a student, you’ll need €800 a month to live in Germany. This amount will vary from city to city. For that reason, we advise that you choose a small city in order to save money. Your monthly living expenses will depend on the lifestyle that you’re used to or will adopt.

Undoubtedly, rent will take a large sum of your living expenses. You can also view our article on how to get student accommodation in Germany. It should be noted, rent tends to be more expensive in some of the big cities like Cologne, Munich, Hamburg, Dusseldorf, Frankfurt and Mainz.

Additionally, all students in Germany can get student discounts. Discounts include theater, museum, opera and cinema tickets in addition to public swimming pools and other leisure and culture spots.

Semester contribution fees

All university students are required to pay a contribution fee every semester. Fees will normally go up to €250 per semester but may vary depending on your university and the services it offers. These fees will usually cover public services like food courts, student halls, sports, and admission. These services will cost €100 outside of the semester contribution plan.

Student contribution also covers public transport tickets. It should be noted, you can get public transport around the university campus for 6 months.

Tuition fees

You can study at public universities for free in Germany. In public universities bachelors degree programs and some Masters and PhD programs are funded by the government. You would no require to pay any tuition fees when registering your credit hours. All you need to do is pay semester contribution fees and public transport tickets mentioned above.

Private universities are funded by tuition fees. If you don’t get a scholarship to a private university, you’ll be paying €20,000 a year.

You can also qualify for student financial aid as an international student. To qualify for financial aid for your bachelor’s degree, you have to be younger than 30. Similarly, you’ll have to be younger than 35 to secure aid for your Master’s program. That being said, exceptions can be made depending on the circumstances.

Student financial aid is divided into two. The first half of the financial aid is a government-granted scholarship. The second half is in the form of a student loan that will be paid in monthly installments after graduation.

Health insurance

If your at-home health insurance is not valid in Germany, you’ll have to join a German health insurance program. In fact, many insurance companies have student discounts that reach €80 a month as long as you’re below the age of 30 and have not studied for more than 14 semesters. Otherwise, the cost will rise to €160 a month or more.

Estimated monthly expenditure

  • Monthly rent €300
  • Food and drink €160
  • Clothes €52
  • Stationary €30
  • Public transportation €82
  • Health insurance €80
  • Phone, TV and internet services €30
  • Culture, sports and leisure activities €68

Now that you are aware of the cost of living and studying, note that you can also get a student job while studying in Germany.

Read also about getting post-graduate jobs in Germany.

About Hiba

Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.