One-off items
- Language test and application fees
- Document translation, notary and apostille
- Visa/residence permit and biometrics fees
- Deposit and first-term enrolment fees
- Flights and initial set-up
Monthly/annual items
- Tuition or semester contribution
- Accommodation and utilities
- Food, transport, phone
- Health insurance
- Course materials
Calculation
Total budget = one-off items + (monthly living cost × number of months) + annual tuition × number of years. Add a margin for exchange-rate risk and price increases for each year.
Proof of funds
Many countries require you to show a certain monthly amount for the visa (blocked account, bank statement, scholarship letter, etc.). Amounts and accepted methods differ by country; verify the current value on the official page.
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