Finances
Studying comes with expenses. Wondering how much you need and how to finance it all?
Studying comes with expenses. Wondering how much you need and how to finance it all?
Studying comes with expenses. Wondering how much you need and how to finance it all?
The annual tuition fee is €2,695. This applies to all Bachelor programmes.
The annual tuition fee will be determined later this month but we expect it wil be €9,950 for all Bachelor programmes, except International Agribusiness and Trade, which has a lower fee of €8,830.
Important: In addition to the annual tuition fee, you’ll need to pay around €1,300 for visa costs, admin fees, and insurance. The Dutch immigration service (IND) also requires a deposit, called the IND norm, to prove you can support yourself for the first year. The amount will be published in January 2026, but we expect it will be around €13,200. This deposit must be paid in full before you travel, and will be refunded to you after you open a Dutch bank account. Overall, expect to pay about €24,500 upfront, as installment payments aren’t allowed.
Click here for further details on tuition fees.
For European nationals, there are two financing options available:
In the Netherlands, Dutch students can receive 'studiefinanciering', a student finance of over €300 monthly. It becomes a gift if they graduate within 10 years. European students may also qualify, but you have to meet certain conditions, like working at least 32 hours per month. While part-time work is possible, we advise against relying on it financially in your first year due to the challenges of adjusting to a new country and study programme. But once you've settled in, this can be an option to explore. For more information, check the government website DUO.
The Dutch government also offers a tuition fee loan to European students. This allows you to borrow the tuition fee amount for each of the four years of your studies and repay it after graduation over an extended period, with a low interest rate. Click here for more details.
Non-European students are not eligible for a student loan or tuition fee loan from the Dutch government. Furthermore, there are no scholarships available through VHL or the Dutch government. You can investigate whether your government or private organisations offer scholarships or loans for studying abroad.
As a student in the Netherlands, you’ll have monthly living expenses including rent, food, insurance, and transport. Rent ranges from €450-€700, Arnhem is one of the most affordable student cities in the Netherlands.
Cooking at home can help save on food costs, you will need around €250-€350 for food and drinks per month.
If you a non-EU student, we'll sort out your medical and liability insurance for you, it'll cost you around €525 per year. For EU students, your home health insurance might cover you here too. So, double-check with them what your coverage will be and ask for a European Health Insurance Card.
Getting around by bike is common, you can get a second-hand bike for under €100. Public transport is well organised and discount subscriptions are available.
This means that your total estimated monthly costs will range from €800 to €1,200, excluding tuition fees and study materials.
Many students work a few hours a week to earn extra money, meet new people, and experience Dutch culture. With high demand for workers, employers seem to be more flexible with language requirements.
