Cost of Studying in Finland for Pakistani Students 2025

For Pakistani students dreaming of studying in Europe, Finland offers one of the best combinations of world-class education, affordable living, and career opportunities. However, before applying, it’s important to understand the complete cost of studying and living in Finland — including tuition fees, accommodation, transportation, and daily expenses.

Although Finland’s education system is publicly funded, non-EU students, including Pakistanis, are required to pay tuition fees. However, the good news is that many universities offer scholarships that significantly reduce the overall cost of studying abroad in Finland.

Tuition Fees in Finland for Pakistani Students

Tuition fees in Finland vary depending on the university, degree program, and level of study (Bachelor’s or Master’s). Generally, Finnish universities charge between €6,000 and €18,000 per year for non-EU/EEA students.

Degree Level	Average Annual Tuition Fee	Examples of Fields
Bachelor’s Degree	€6,000 – €12,000	Business, IT, Engineering, Social Sciences
Master’s Degree	€8,000 – €18,000	Management, Computer Science, Data Analytics
PhD Programs	Usually Free	Funded research positions

PhD students in Finland often receive fully funded positions that include a monthly stipend or salary, making doctoral studies almost cost-free for international students.

Tuition Fee Examples by Top Finnish Universities

Here’s an overview of estimated tuition fees at some of the top universities popular among Pakistani students:

University	Estimated Annual Tuition Fee	Popular Programs
Aalto University	€12,000 – €15,000	Engineering, Business, Design
University of Helsinki	€13,000 – €18,000	Law, Computer Science, Humanities
University of Turku	€8,000 – €12,000	Life Sciences, Education, Business
Tampere University	€9,800 – €13,000	Engineering, Health Sciences
University of Oulu	€10,000 – €13,000	Architecture, Information Technology
Haaga-Helia UAS	€9,500 – €11,000	Hospitality, International Business

Scholarships in Finland for Pakistani Students

Finland offers generous scholarship opportunities for non-EU students to reduce tuition costs. These scholarships are typically merit-based and can cover 50% to 100% of tuition fees.

Some well-known scholarships include:

Finland Government Scholarship Pool
Aalto University Scholarship Program
University of Helsinki International Scholarship
University of Oulu Scholarship
Tampere University Tuition Fee Waiver

Key Points:

Scholarships are awarded automatically during the admission process.
No separate application is usually required.
Some universities offer early bird discounts on tuition fees for prompt tuition payment.

Cost of Living in Finland for Pakistani Students

Finland offers a high standard of living, and although costs can be higher than in some Asian countries, students can manage expenses with proper budgeting.

The average monthly living cost for a Pakistani student in Finland is between €700 and €1,200, depending on lifestyle and location.

Expense Category	Estimated Monthly Cost (€)	Notes
Accommodation	300 – 600	Student dorms are cheaper than private apartments
Food	250 – 400	Cooking at home helps reduce costs
Transportation	40 – 70	Student discounts on public transport
Utilities & Internet	50 – 100	Shared with roommates in most cases
Miscellaneous (clothing, leisure)	100 – 150	Depends on personal lifestyle
Total Estimated Monthly Cost	€700 – €1,200	˜ PKR 215,000 – 370,000 (approx.)

Accommodation Costs in Finland

Accommodation is one of the major expenses for students. Universities often help international students find housing, especially in student apartments or dormitories.

Student Dormitories: €250 – €450/month
Private Apartments: €500 – €800/month
Shared Apartments: €300 – €500/month

Most student accommodations are fully furnished and located near campuses, making daily commuting easier.

Transportation and Student Discounts

Finland’s public transport system is reliable, eco-friendly, and student-friendly. Students are eligible for up to 50% discounts on transportation costs.

Monthly Travel Pass: €35 – €50 (for city areas like Helsinki or Tampere)
Bicycle Rentals: Free or minimal cost in many cities
Train and Bus Travel: Discounts available through the Matkahuolto and VR student cards

Food and Groceries

Eating out frequently can be costly, but cooking at home makes living affordable.
On average, groceries cost €250–€350/month. Local supermarkets like Lidl, K-Citymarket, and Prisma offer budget-friendly food options.

Students can also enjoy affordable meals at university cafeterias, where a meal costs €2.50–€4.00 with a student ID.

Health Insurance and Medical Costs

Health insurance is mandatory for all Pakistani students applying for a residence permit.

For programs longer than two years, your insurance must cover €120,000.
For programs shorter than two years, €40,000 coverage is sufficient.

Most Finnish universities have student health services offering affordable medical checkups and treatment.

Earning While Studying

Pakistani students can work part-time while studying in Finland to cover part of their expenses.

Work Limit: 30 hours/week during semesters
Full-time work: Allowed during holidays
Average Pay: €10–€14/hour depending on the job and city

Many international students find part-time work in restaurants, supermarkets, or campus jobs, which helps reduce financial pressure.

Conclusion

While Finland may not be the cheapest European destination, it offers exceptional value for money through its world-class education, safe environment, and scholarship opportunities. Pakistani students can easily manage expenses with the right financial planning, part-time jobs, and student benefits.

Investing in Finnish education means investing in a secure and globally competitive future. With reasonable tuition fees, affordable living, and access to Europe’s top research facilities, Finland is truly worth every euro for Pakistani students pursuing higher education abroad.