Germany is one of the top destinations for Indian students due to its top-notch education system & Free Public Universities. While the German Education is free in public Universities, students still need to plan their finances. This has to be done carefully to cover their living expenses. If you’re are applying for a Germany study visa, you should know how to save money while you are living & studying in Germany. This can make your journey smoother and more affordable.

1. Getting to know the Germany Student Visa Process

To begin your education journey in Germany for Free, the most important thing you should remember is to secure a Germany student visa. This will require your admission Letter, which should be from a German university. You should be also financially stable. You should also have a valid health insurance. If you’re from India, make sure that you understand that Germany student visa requirements for Indian students. This will primarily include maintaining a blocked account to demonstrate financial sufficiency. The Germany student visa application might take time, so it is highly recommended to apply early.

2. Choose a university which provides Free Education in Germany

Germany has Free Education. Yet every student is liable to pay certain additional fees, which of very small amount. This cost is actually towards administrative development and majorly costs between €150-€300 /semester.

• Ludwig Maximilian University of Munich (LMU)
• Humboldt University of Berlin
• Technical University of Munich (TUM)
• University of Heidelberg

Try and select universities providing Free Education in Germany. By doing so you can definitely reduce your education costs.

3. Find Budget-Friendly Accommodation

Living and Housing are few of the major expense for any Indian students in Germany. So, you have to save money, you should consider:

•  Dormitories for Students: This is one of the most affordable options, it mostly costs around €250-€400/ month.
• Shared Room (WG – Wohngemeinschaft): You can also share rooms in an apartment which can cost between €300-€600 aprrox.
• City selection: living cost is less in smaller cities and towns as compared to any major cities, for example, cities like Berlin or Munich are expensive than others.

4. Taking up Part-Time work, while you study

Staring your journey as an international student in Germany, you should remember that you are allowed to work for 120 full days or 240 half days / year. For working during this tenure, you will be not needing a separate work permit.  Few popular jobs for Indian Students in Germany include:

• Be a Research Assistant/ Tutor
• Working in Cafes and restaurant
• Try to land up a job which will be in your field of studies.

Earning through part-time jobs can help cover daily expenses while also adding work experience to your resume.

5. Open a Blocked Account for Visa Application

To start your student journey in Germany, one of the most important steps is to open a blocked account. This is a mandate for all the students applying for a Germany study visa. As of 2025, every student would need to deposit €11,208 in their blocked account. This has to be completed before their visa application is processed.

6. Avail Student Discounts and Public Transport

Once you are in Germany, you should know that the city offers a excellent public transport systems. This facility helps the students, and they can also benefit from the discounted semester tickets. But to avail the same, you should always carry your student ID:

• Public transport passes
• Museums and cultural sites
• Restaurants and shopping outlets

7. How to apply for Scholarships

Even though we know thar Germany is free for education, still scholarships can help with living costs. Some top scholarships in German University include:

• DAAD Scholarships
• Deutschlandstipendium
• Erasmus+ Programs

If you would like to Check your eligibility criteria then contact us at Dynamic Education Consultant.

9. Avail Affordable Health Insurance

One of the most important factors for Studying in Germany is Health insurance. This is mandatory for all students in Germany. You should note that public health insurance will cost you around €110 per month, while any private options will be available at lower rates.

10. Make Use of Free Learning Resources

Take a note that all German universities offer free access to all their libraries, online courses, and German language classes. All these resources will help you to learn efficiently and also cut down any additional education or living costs.

Final Thoughts

Studying in Germany for free is an excellent opportunity for Indian students. Once you plan your education journey carefully, it is one of the best places to build your career. Germany is a land of opportunities, specially if you are a STEM Students. Selection of universities and course also place a major role in your study plan. Even if studying in Germany is free of cost in public universities, every student be very careful while they plan for the same. Professional help is highly solicited.

If you have any questions about studying in Germany? Drop them in the comments below or get in touch with Dynamic Education Consultants.