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title: "Study in Finland: costs, visa, scholarships and universities | Arman Education"
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Countries
# **Study in Finland: costs, visa, scholarships and universities**
Costs, visa process, work rights, scholarships and university options for studying in Finland.
[**Free consultation for Finland**](https://armaneducation.com/en/contact?country=finland)
## **Overview**
Finland's universities and universities of applied sciences teach many English-language degree programmes, mostly at master's level. Since 1 August 2026 tuition fees for non-EU/EEA students in English-taught bachelor's and master's programmes are a statutory obligation for universities, and current fees at the institutions checked range roughly from 8,500 to 20,000 EUR per academic year, with Uniarts Helsinki at 28,000 EUR.
Applications for English-taught programmes go through the national Studyinfo joint application; the 2027 window for autumn entry is 7-21 January 2027, with results by 6 July and acceptance by 13 July. Some universities run their own windows (Tampere 14 Dec 2026-7 Jan 2027, Aalto master's 7 Dec 2026-5 Jan 2027, Helsinki 5-19 Jan 2027, LUT 1 Oct 2026-31 Mar 2027).
Non-EU/EEA students need a residence permit for studies, applied for through Enter Finland with an embassy identification visit. Applicants must show 800 EUR per month (9,600 EUR in the bank for studies of a year or more), private health insurance, and proof of tuition payment or exemption. Students may work an average of 30 hours per week and can apply for a two-year permit to look for work after graduating.
Studyinfinland.fi states there are no governmental scholarship programmes for bachelor's and master's students; waivers come from universities and are mostly partial, with several (Turku, Jyväskylä, Oulu, Tampere) offering no first-year scholarships for fee-liable students.
- **Public university tuition**
- Non-EU/EEA/Swiss students pay in English-taught bachelor's and master's programmes (fees mandatory for study rights from 1 Aug 2026). Examples per academic year: Tampere 10,000 (bachelor's)/12,000 (master's); Oulu 8,500-14,000; Jyväskylä 10,000-16,000; Helsinki 13,000-18,000; Aalto 12,000-20,000; LUT 15,000; Åbo Akademi 12,000. Doctoral programmes and Finnish/Swedish-taught programmes are free. Exempt: EU/EEA/Swiss citizens, P/P-EU/Blue Card holders, some type A permits not granted for studies, temporary protection.Source
- **Monthly living cost**
- Study in Finland estimates 900-1,200 EUR per month depending on location; tuition fees typically 9,000-20,000 EUR per year. UEF recommends budgeting 900-1,000 EUR per month.Source
- **Visa processing time**
- Migri states a 90-day maximum but processing can take several months (University of Helsinki); JYU says five to six months.Source
- **Work rights**
- Students with a Finnish residence permit for studies may work on average up to 30 hours per week, and more in some weeks or during holidays if the average stays within the limit. Do not plan to fund tuition or living costs from part-time work.Source
- **Intakes and deadlines**
- Main intake is autumn (August). Joint application for English-taught programmes 7-21 January 2027 (starts autumn 2027); Finnish/Swedish-taught 9-23 March 2027. A limited number of programmes start in January (autumn round closed 10 Sept 2026). Results by 6 July 2027; accept by 13 July 2027; up to six options.Source
- **Language requirement**
- Typical for English-taught programmes: IELTS Academic 6.5 (6.0 per section at Helsinki/Turku; writing 6.0 at Aalto; no band below 6 at Tampere), TOEFL iBT 92 (writing 22) for tests before 21 Jan 2026 or 4.5 with 4.0 per section after, PTE Academic 68 (writing 61), Cambridge C1/C2, YKI level 5. Duolingo is not accepted at Aalto and not listed at Helsinki or Tampere. Scores valid 2 years.Source
## **Tuition and living costs**
- **Public university tuition**
- Non-EU/EEA/Swiss students pay in English-taught bachelor's and master's programmes (fees mandatory for study rights from 1 Aug 2026). Examples per academic year: Tampere 10,000 (bachelor's)/12,000 (master's); Oulu 8,500-14,000; Jyväskylä 10,000-16,000; Helsinki 13,000-18,000; Aalto 12,000-20,000; LUT 15,000; Åbo Akademi 12,000. Doctoral programmes and Finnish/Swedish-taught programmes are free. Exempt: EU/EEA/Swiss citizens, P/P-EU/Blue Card holders, some type A permits not granted for studies, temporary protection.Source
- **Private university tuition**
- Finland has no private universities in the usual sense; universities of applied sciences also charge: LAB UAS 11,000 (bachelor's) / 18,000 (master's) EUR for autumn 2026; Uniarts Helsinki 28,000 EUR from August 2026.Source
- **Monthly living cost**
- Study in Finland estimates 900-1,200 EUR per month depending on location; tuition fees typically 9,000-20,000 EUR per year. UEF recommends budgeting 900-1,000 EUR per month.Source
### Accommodation
Student housing 450-800 EUR/month in Helsinki; housing is the biggest cost. City student housing foundations not verified.
When planning the total budget, separate one-off and monthly items. [Budget planning guide](https://armaneducation.com/en/guides/budget-planning)
## **Visa and residence permit**
Non-EU/EEA degree students apply for a residence permit for studies through Enter Finland before travelling, then visit a Finnish embassy/consulate to prove identity and give fingerprints. A D visa can be applied for together so travel is possible after approval.
- **Visa processing time**
- Migri states a 90-day maximum but processing can take several months (University of Helsinki); JYU says five to six months.Source
- **Proof of funds**
- Study in Finland cites 800 EUR/month (9,600 EUR/year) as the official minimum set by Migri. The Migri page itself is behind Cloudflare and was not opened.Source
- **Health insurance**
- Migri requires private health insurance valid for the stay (40,000 EUR minimum for 2+ year studies, 120,000 EUR for shorter). FSHS student healthcare covers basic care only, with about 35.35 EUR per term payable to Kela.Source
### Application steps
1. Receive admission and pay tuition (or show exemption/scholarship).
2. Create Enter Finland account and complete the student permit application with documents.
3. Book identification appointment at the Finnish embassy/consulate.
4. Pay the processing fee and submit.
5. Visit the mission with originals and passport photo.
6. Track status online; wait for the decision/card.
### Documents required
- Acceptance letter
- Proof of funds: 800 EUR/month; 9,600 EUR in own bank account (3-month statement) for studies of 1 year or more; shared accounts and sponsor guarantees not accepted
- Private health insurance for the stay, at least 40,000 EUR (studies 2 years or more) or 120,000 EUR (shorter)
- Proof of tuition payment or exemption/scholarship certificate
- Valid passport and photo
- Guardian consent if under 18
- **Fees**
- First student permit 600 EUR online / 750 EUR paper in 2026 (Migri fee table via search snippet; verify at migri.fi).Source
**Nationality-specific notes:** turkish: null; russian: null; kazakh: null; ukrainian: Temporary protection holders are exempt from tuition fees (university pages); no Ukraine-specific student permit rules verified.; azerbaijani: null
[**Our visa consulting **→](https://armaneducation.com/en/services/visa)
## **Work rights and after graduation**
Students with a Finnish residence permit for studies may work on average up to 30 hours per week, and more in some weeks or during holidays if the average stays within the limit. Do not plan to fund tuition or living costs from part-time work.
**After graduation:** A permit to look for work or start a business can be granted for a maximum of 2 years (24 months) after a Finnish degree; eligibility depends on Migri requirements (Migri page itself not opened).
[Source](https://migri.fi/working-and-internships-during-studies)
## **Language requirements and intakes**
- **Language requirement**
- Typical for English-taught programmes: IELTS Academic 6.5 (6.0 per section at Helsinki/Turku; writing 6.0 at Aalto; no band below 6 at Tampere), TOEFL iBT 92 (writing 22) for tests before 21 Jan 2026 or 4.5 with 4.0 per section after, PTE Academic 68 (writing 61), Cambridge C1/C2, YKI level 5. Duolingo is not accepted at Aalto and not listed at Helsinki or Tampere. Scores valid 2 years.Source
- **Intakes and deadlines**
- Main intake is autumn (August). Joint application for English-taught programmes 7-21 January 2027 (starts autumn 2027); Finnish/Swedish-taught 9-23 March 2027. A limited number of programmes start in January (autumn round closed 10 Sept 2026). Results by 6 July 2027; accept by 13 July 2027; up to six options.Source
[**Language and exam preparation **→](https://armaneducation.com/en/services/language)
## **Scholarships**
**master's (some bachelor's)****Via the university**
### **University tuition fee waivers (Helsinki, Aalto Excellence, UEF, etc.)**
Individual universities
- **Coverage**
- Tuition only; 50-100% at Helsinki and Aalto; no living-cost coverage
- **Deadline**
- Within the programme application window
- **Eligibility**
- Competitive; Helsinki: 55 ECTS per year; Aalto: not for waiting-list admits
[Source](https://www.aalto.fi/en/admission-services/scholarships-and-tuition-fees)
**master's****Direct application**
### **Fulbright graduate awards (Aalto, Jyväskylä, Turku)**
Fulbright Finland with universities
- **Coverage**
- Living allowance and/or tuition (e.g. UTU 1,000 EUR/month plus tuition)
- **Deadline**
- Typically early October
- **Eligibility**
- US citizens only
[Source](https://www.jyu.fi/en/study-with-us/tuition-fees-and-other-financial-matters)
**master's****Direct application**
### **Erasmus Mundus joint master's scholarships**
EU / consortia
- **Coverage**
- Fee exemption in Finland for Erasmus Mundus holders; funding per consortium
- **Deadline**
- Per consortium (e.g. UEF Dec-Jan)
- **Eligibility**
- Separate application per programme
[Source](https://www.uef.fi/en/international-masters-degree-programmes)
**postgraduate/doctoral research visits****By nomination**
### **EDUFI Fellowship**
Finnish National Agency for Education (EDUFI)
- **Coverage**
- 1,900 EUR/month for 3-12 months
- **Deadline**
- Call closed 17 Oct 2025; current status unverified
- **Eligibility**
- Applicant invited by a Finnish university supervisor; all nationalities
[Source](https://www.oph.fi/en/internationalisation/edufi-fellowship)
**master's****Via the university**
### **Nokia Scholarship (Oulu master's)**
University of Oulu / Nokia
- **Coverage**
- 3,000 EUR
- **Deadline**
- Details to be published
- **Eligibility**
- Selected ICT master's programmes
[Source](https://www.oulu.fi/en/apply/how-apply/university-oulu-tuition-fees-and-scholarships-for-international-applicants)
## **Cities**
**Helsinki**
**Espoo**
**Tampere**
**Turku**
**Oulu**
## **Universities**
[**University of Helsinki** Helsinki · Public Non-EU/EEA/Swiss citizens pay 13,000, 15,000 or 18,000 EUR per academic year in international master's programmes (13,000 EUR for bachelor's), fixed for the whole programme. Exempt: holders of P/P-EU permits, EU Blue Card, Brexit permits, some type A permits (not if granted for studies), Erasmus Mundus scholarship holders, exchange and PhD students.](https://armaneducation.com/en/universities/university-of-helsinki) [**Aalto University** Espoo (Otaniemi) · Public For study rights starting on/after 1 Aug 2025: bachelor's Business 12,000, Technology 12,000, Art and Architecture 15,000; master's Business 15,000, Art and Architecture 20,000, Technology 17,000 EUR per academic year. Exempt: permanent/long-term/Blue Card permits, some type A permits (not for studies), temporary protection, Erasmus Mundus holders.](https://armaneducation.com/en/universities/aalto-university) [**Tampere University** Tampere · Public Admission 2027: 10,000 EUR per year (bachelor's) and 12,000 EUR per year (master's); joint programmes may differ. Early-bird 2,000 EUR off first year if accepted and paid within 21 days. Doctoral programmes free.](https://armaneducation.com/en/universities/tampere-university) [**University of Turku** Turku · Public Admitted 2026: 10,000 EUR (e.g. Education and Learning, East Asian Studies, ICT BSc, Futures Studies) or 12,000 EUR (e.g. ICT MA, Biosciences, Health Technology, Drug Discovery) per year; one programme 1,500 EUR. No first-year scholarship; Early Bird 2,000 EUR for master's admits; merit scholarship 50% for later years.](https://armaneducation.com/en/universities/university-of-turku) [**University of Oulu** Oulu · Public Autumn 2027 entry: bachelor's 10,000 EUR; master's mostly 10,000 or 12,000 EUR (Architecture 14,000; Education for Global Futures 8,500). Early bird up to 30% if paid within 3 weeks; partial waiver from year 2 (10-40%) with 60 ECTS. Nokia Scholarship 3,000 EUR for selected master's. No first-year faculty scholarships or 100% scholarships.](https://armaneducation.com/en/universities/university-of-oulu) [**University of Eastern Finland** Joensuu and Kuopio · Public 2027 intake: 10,000-12,000 EUR per academic year for English-taught bachelor's/master's (non-EU/EEA). Early bird 30% (3,000 or 3,600 EUR) within 21 days; 30% second-year waiver with 55 ECTS; Finnish-language scholarships 2,500/1,500 EUR; no full waivers (except temporary protection). 2026 intake offered 30%/50% waivers by application score.](https://armaneducation.com/en/universities/university-of-eastern-finland) [**LUT University** Lappeenranta (and Lahti) · Public 15,000 EUR per academic year for international master's programmes (non-EU/EEA). Early bird 5,000 EUR off first year if accepted/paid within 3 weeks; 5,000 EUR second-year scholarship after 60 ECTS; application fee 100 EUR (search snippet).](https://armaneducation.com/en/universities/lut-university) [**University of Jyväskylä** Jyväskylä · Public 2027 intake: bachelor's 10,000 or 16,000 EUR; master's 10,000, 12,000 or 14,000 EUR per year (e.g. AI 12,000; Physics 14,000; Game Studies 10,000). Early Bird 1,500 EUR (accept within 14 days); payment by 31 July; no first-year scholarship; JYU Scholarship in year 2 (3,000-6,000 EUR by fee).](https://armaneducation.com/en/universities/university-of-jyvaskyla) [**Åbo Akademi University** Turku · Public Nine English-taught master's programmes at 12,000 EUR per year (2027 intake, study right from 1 Aug 2026). Search snippets mention a 4,000 EUR early-commitment discount and a 4,000 EUR second-year reduction (not confirmed on fetched fee page).](https://armaneducation.com/en/universities/abo-akademi-university) [**Hanken School of Economics** Helsinki · Public Non-EU/EEA: Bachelor 12,000 EUR/academic year; Master 15,000 EUR/academic year (studies starting 1 Aug 2024 or later). Early Commitment discount 25%.](https://armaneducation.com/en/universities/hanken-school-of-economics) [**National Defence University** Helsinki · State (other ministry)](https://armaneducation.com/en/universities/national-defence-university) [**University of the Arts Helsinki (Uniarts Helsinki)** Helsinki · Public English-taught degree programmes listed on Studyinfo with annual tuition fees of 28,000-280,000 EUR per academic year (varies by programme; citizens of EU/EEA/Switzerland generally exempt)](https://armaneducation.com/en/universities/university-of-the-arts-helsinki-uniarts-helsinki) [**University of Lapland** Rovaniemi · Public English-taught degree programmes listed on Studyinfo with annual tuition fees of 8,000-13,000 EUR per academic year (varies by programme; citizens of EU/EEA/Switzerland generally exempt)](https://armaneducation.com/en/universities/university-of-lapland) [**University of Vaasa** Vaasa · Public English-taught degree programmes listed on Studyinfo with annual tuition fees of 10,000-14,000 EUR per academic year (varies by programme; citizens of EU/EEA/Switzerland generally exempt)](https://armaneducation.com/en/universities/university-of-vaasa) [**Centria University of Applied Sciences** Kokkola · Public English-taught degree programmes listed on Studyinfo with annual tuition fees of 9,500-10,000 EUR per academic year (varies by programme; citizens of EU/EEA/Switzerland generally exempt)](https://armaneducation.com/en/universities/centria-university-of-applied-sciences) [**Diaconia University of Applied Sciences** Helsinki · Public English-taught degree programmes listed on Studyinfo with annual tuition fees of 10,500-10,500 EUR per academic year (varies by programme; citizens of EU/EEA/Switzerland generally exempt)](https://armaneducation.com/en/universities/diaconia-university-of-applied-sciences) [**Haaga-Helia University of Applied Sciences** Helsinki · Public English-taught degree programmes listed on Studyinfo with annual tuition fees of 10,500-12,000 EUR per academic year (varies by programme; citizens of EU/EEA/Switzerland generally exempt)](https://armaneducation.com/en/universities/haaga-helia-university-of-applied-sciences) [**Humak University of Applied Sciences** Helsinki · Public English-taught degree programmes listed on Studyinfo with annual tuition fees of 6,250-14,000 EUR per academic year (varies by programme; citizens of EU/EEA/Switzerland generally exempt)](https://armaneducation.com/en/universities/humak-university-of-applied-sciences) [**HAMK Häme University of Applied Sciences** Hämeenlinna · Public English-taught degree programmes listed on Studyinfo with annual tuition fees of 9,700-11,700 EUR per academic year (varies by programme; citizens of EU/EEA/Switzerland generally exempt)](https://armaneducation.com/en/universities/hamk-hame-university-of-applied-sciences) [**Åland University of Applied Sciences** Mariehamn · Public English-taught degree programmes listed on Studyinfo with annual tuition fees of 8,000-8,000 EUR per academic year (varies by programme; citizens of EU/EEA/Switzerland generally exempt)](https://armaneducation.com/en/universities/aland-university-of-applied-sciences) [**Jamk University of Applied Sciences** Jyväskylä · Public English-taught degree programmes listed on Studyinfo with annual tuition fees of 10,000-12,000 EUR per academic year (varies by programme; citizens of EU/EEA/Switzerland generally exempt)](https://armaneducation.com/en/universities/jamk-university-of-applied-sciences) [**South-Eastern Finland University of Applied Sciences (Xamk)** Mikkeli · Public English-taught degree programmes listed on Studyinfo with annual tuition fees of 10,700-13,500 EUR per academic year (varies by programme; citizens of EU/EEA/Switzerland generally exempt)](https://armaneducation.com/en/universities/south-eastern-finland-university-of-applied-sciences-xamk) [**Kajaani University of Applied Sciences** Kajaani · Public English-taught degree programmes listed on Studyinfo with annual tuition fees of 10,000-12,000 EUR per academic year (varies by programme; citizens of EU/EEA/Switzerland generally exempt)](https://armaneducation.com/en/universities/kajaani-university-of-applied-sciences) [**Karelia University of Applied Sciences** Joensuu · Public English-taught degree programmes listed on Studyinfo with annual tuition fees of 9,000-10,500 EUR per academic year (varies by programme; citizens of EU/EEA/Switzerland generally exempt)](https://armaneducation.com/en/universities/karelia-university-of-applied-sciences) [**LAB University of Applied Sciences** Lahti · Public English-taught degree programmes listed on Studyinfo with annual tuition fees of 8,000-18,000 EUR per academic year (varies by programme; citizens of EU/EEA/Switzerland generally exempt)](https://armaneducation.com/en/universities/lab-university-of-applied-sciences) [**Lapland University of Applied Sciences** Rovaniemi · Public English-taught degree programmes listed on Studyinfo with annual tuition fees of 9,500-9,500 EUR per academic year (varies by programme; citizens of EU/EEA/Switzerland generally exempt)](https://armaneducation.com/en/universities/lapland-university-of-applied-sciences) [**Laurea University of Applied Sciences** Vantaa · Public English-taught degree programmes listed on Studyinfo with annual tuition fees of 8,000-11,000 EUR per academic year (varies by programme; citizens of EU/EEA/Switzerland generally exempt)](https://armaneducation.com/en/universities/laurea-university-of-applied-sciences) [**Metropolia University of Applied Sciences** Helsinki · Public English-taught degree programmes listed on Studyinfo with annual tuition fees of 1,500-12,500 EUR per academic year (varies by programme; citizens of EU/EEA/Switzerland generally exempt)](https://armaneducation.com/en/universities/metropolia-university-of-applied-sciences) [**Oulu University of Applied Sciences** Oulu · Public English-taught degree programmes listed on Studyinfo with annual tuition fees of 10,000-10,000 EUR per academic year (varies by programme; citizens of EU/EEA/Switzerland generally exempt)](https://armaneducation.com/en/universities/oulu-university-of-applied-sciences) [**Police University College** Tampere · State (other ministry)](https://armaneducation.com/en/universities/police-university-college) [**Satakunta University of Applied Sciences (SAMK)** Pori · Public English-taught degree programmes listed on Studyinfo with annual tuition fees of 9,500-10,500 EUR per academic year (varies by programme; citizens of EU/EEA/Switzerland generally exempt)](https://armaneducation.com/en/universities/satakunta-university-of-applied-sciences-samk) [**Savonia University of Applied Sciences** Kuopio · Public English-taught degree programmes listed on Studyinfo with annual tuition fees of 9,000-9,700 EUR per academic year (varies by programme; citizens of EU/EEA/Switzerland generally exempt)](https://armaneducation.com/en/universities/savonia-university-of-applied-sciences) [**Seinäjoki University of Applied Sciences (SeAMK)** Seinäjoki · Public English-taught degree programmes listed on Studyinfo with annual tuition fees of 9,500-11,500 EUR per academic year (varies by programme; citizens of EU/EEA/Switzerland generally exempt)](https://armaneducation.com/en/universities/seinajoki-university-of-applied-sciences-seamk) [**Turku University of Applied Sciences** Turku · Public English-taught degree programmes listed on Studyinfo with annual tuition fees of 11,500-12,000 EUR per academic year (varies by programme; citizens of EU/EEA/Switzerland generally exempt)](https://armaneducation.com/en/universities/turku-university-of-applied-sciences) [**Vaasa University of Applied Sciences (VAMK)** Vaasa · Public English-taught degree programmes listed on Studyinfo with annual tuition fees of 10,500-12,000 EUR per academic year (varies by programme; citizens of EU/EEA/Switzerland generally exempt)](https://armaneducation.com/en/universities/vaasa-university-of-applied-sciences-vamk) [**Arcada University of Applied Sciences** Helsinki · Public English-taught degree programmes listed on Studyinfo with annual tuition fees of 4,900-13,000 EUR per academic year (varies by programme; citizens of EU/EEA/Switzerland generally exempt)](https://armaneducation.com/en/universities/arcada-university-of-applied-sciences) [**Novia University of Applied Sciences** Vaasa · Public English-taught degree programmes listed on Studyinfo with annual tuition fees of 10,000-15,000 EUR per academic year (varies by programme; citizens of EU/EEA/Switzerland generally exempt)](https://armaneducation.com/en/universities/novia-university-of-applied-sciences)
[**All universities **→](https://armaneducation.com/en/universities?country=finland)
## **Official resources**
- [**Study in Finland**](https://www.studyinfinland.fi/)
- [**Studyinfo (joint application)**](https://opintopolku.fi/konfo/en/)
- [**Finnish Immigration Service (Migri)**](https://migri.fi/en/)
- [**Enter Finland**](https://enterfinland.fi/)
- [**EDUFI**](https://www.oph.fi/en)
## **Frequently asked questions**
Information on this page is compiled from official sources and was verified on the date shown. Fees, dates and visa rules change often; check official sources before applying. Empty fields have not been verified yet; ask our advisor for the current information.
## **Let us plan the right path for your goals**
In a free initial consultation we review your profile, budget and goals, and narrow down the countries and universities that fit you.
[**Free consultation**](https://armaneducation.com/en/contact?country=finland) [**How we work**](https://armaneducation.com/en/how-it-works)
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