The 3 most affordable countries for admission are Belgium, Austria, and Italy

Belgium, Austria and Italy: why these countries are considered budget-friendly for admission

European education is considered an expensive option for studying, but Belgium, Austria, and Italy refute this popular stereotype. These countries are traditionally considered budget-friendly destinations for studying due to their favorable policies at public universities and the availability of various support programs.

It is important to note that the “budget-friendly” status does not mean that there are no costs associated with studying abroad. The final cost of studying abroad is influenced by various factors, including citizenship, the chosen university, the level of the program, the city, the availability of scholarships, and the mandatory financial requirements. When choosing where to study in Europe, it is important to consider not only the cost of semester fees, but also the overall cost of living for students.

What is considered a budget income abroad

When planning to enroll in Europe inexpensively, it is important not to limit yourself to analyzing tuition fees alone, since the total cost of education consists of various factors. To estimate the actual budget, it is necessary to draw up a professional financial plan that includes the following items of expenditure:

  • Tuition fees. Annual contributions to the university.
  • The cost of accommodation. Rent of housing, food, transportation, mobile communication.
  • Scholarships and fee waivers. The possibility of obtaining them significantly reduces the load.
  • Visa expenses and proof of funds. The availability of the amount required by the consulate for the issuance of a residence permit.

It is the combination of these expenses that determines the actual budget for studying abroad with or without a scholarship.

Austria: low cost of education in public universities

Why is Austria attractive for students?

Admission to Austria is popular due to public universities with high academic standards. The country is a center of Europe and offers top-notch education in engineering, economics, social sciences, and the arts. This destination is ideal for those seeking research programs and valuing discipline.

How much does it cost to study in Austria? Плюсик
  • Tuition fees (cost of education):
    For non-EU citizens: 726.72 euros per semester (about 1,453 euros per year) at most public universities. edu-vienna.com +1
  • Programs in English: bachelor’s degree – approximately 2,000-5,000 euros per year, master’s degree – about 3,000-7,000 euros per year.
  • Private universities and applied science universities: bachelor’s degree costs approximately 5,000-15,000 euros per year, while master’s degree costs around 10,000-25,000 euros per year.
Living costs Плюсик
  • Rent depends on the city: Vienna — approximately 400–700 euros per month for a dorm room or apartment, Graz — about 300–600 euros, Salzburg — about 400–650 euros,
  • Innsbruck — about 450–700 euros.
  • Health insurance: about 65 euros per month for international students.
  • Meals: on average 250–300 euros per month.
  • Transportation: Student travel passes cost around 75 euros per semester in Vienna, and approximately 50-70 euros in other cities.
What is important to consider for a visa and finances Плюсик

To obtain a residence permit, you need to prove your financial viability. For 2026, students under the age of 24 need proof of funds at the level of 722.58 euros per month, after 24 years — 1,308.39 euros per month. These funds must be available in the account for 12 months in advance.

Who is Austria suitable for? Плюсик

This country is suitable for students who are ready for an academic approach, plan to study German (although there are programs in English), and are able to accumulate the necessary amount for proof of funds in advance.

Italy: affordable tuition and strong regional scholarships

Why is Italy often on the list of budget countries?

Studying in Italy attracts thousands of students with its democratic cost of education. A wide range of public universities and English-taught programs in fields such as design, architecture, engineering, business, and humanities makes Italy a leader in terms of value for money.

How much does it cost to study in Italy? Плюсик

Tuition fees:

  • Public universities: The cost depends on the family’s income and is calculated using the ISEE (Indicatore della Situazione Economica Equivalente) system. For international students who do not have access to the ISEE, a fixed rate set by the university is typically applied, ranging from approximately 900 to 4,000 euros per year.
  • Private universities: The cost varies depending on the university. For example, at the University of Bocconi, the Computer Science program may cost around 15,820 euros per year.
Living costs Плюсик

Rent: approximately 500-1000 euros per month for a separate studio.
Food, transportation, and personal expenses: an average of 600-1400 euros per month, depending on the city.

Scholarships and DSU as the main plus of Italy Плюсик

The country’s strength lies in its regional scholarships. For example, the DSU grant in Tuscany or other regions can cover accommodation, meals, and fully exempt students from tuition fees. This is a significant financial assistance for students, which is distributed based on family income (ISEE).

Who is suitable for Italy? Плюсик

The country is ideal for creative and technical specialties. It is suitable for those who are willing to delve deeply into the process of applying for scholarships and finding programs in less popular student cities where the cost of living is lower.

Belgium: not the cheapest, but strong in terms of price-quality ratio

Why is Belgium on the list?

Belgium is not the cheapest destination, but it offers the highest level of integration into the European community. Students choose to study in Belgium for its career opportunities in Brussels, its strong international environment, and its high-quality English-language programs.

How much does it cost to study in Belgium? Плюсик
  • Tuition fees:
    Public universities: approximately 950–4,175 euros per year for bachelor’s and master’s degrees.
    Private universities: bachelor’s degree costs around 6,000–10,000 euros per year, while master’s degree costs approximately 8,000–12,000 euros per year.
  • Living costs:
    Rent: approximately 350-700 euros per month, depending on the city and type of accommodation (dormitory, room in an apartment, etc.).
    Food and personal expenses: an average of 250-400 euros per month.
    Health insurance: from 300 to 1,000 euros per year.
Living and working while studying Плюсик

The average cost of living is between 800 and 1,000 euros per month. Students from non-EU countries who have a legal residence permit can work up to 20 hours per week, which helps to cover some of their living expenses.

Who is suitable for Belgium? Плюсик

This is a choice for ambitious students who value a career ecosystem, international education, and a highly regarded degree.

Which of the three countries is the most budget-friendly?

If the minimum tuition fee is important
Austria and Italy offer the most affordable public tuition fees, making them the leaders in this regard.

If you need a scholarship for accommodation
Italy wins through regional scholarship systems (DSU) that can cover basic needs, including accommodation and food.

If career opportunities are important
Belgium provides a strong base for a career in international organizations and global companies due to its location.

If the student is not from the EU/EEA
Tuition fees for such students in Belgium can be significantly higher than in Austria or Italy, making the latter more affordable for long-term planning.

How to choose a country for your budget

To choose a budget-friendly country for admission, use the following checklist:

  • Program analysis: check the tuition fees specific to your citizenship.
  • Cost of living calculation: find out the average rental prices in a particular city (the capital is always more expensive).
  • Scholarship assessment: explore the availability of scholarship support at the university.
  • Visa requirements: calculate the amount of proof of funds that needs to be “frozen” in your account for the application process.

To ensure that choosing a country does not become a financial trap, we recommend going through five critical points before starting the application process.

  1. Cost calculation: Add up all the expenses for 12 months: tuition fees, rent (including security deposit), food, travel expenses, health insurance, and study materials. Compare this amount with similar expenses in other countries. It is important to estimate how much money will be required before starting studies for visa fees and flights.
  2. Checking Non-EU/EEA status: For many universities, citizenship is a key factor in pricing. In Belgium, for example, the difference in cost between EU citizens and students from other countries can be significant. Please carefully check the program pages. Look for the sections “Tuition fees for international students” or “Non-EU students”.
  3. Analyze the cost of living by city (not by country): A country may be budget-friendly, but living in the capital or a major metropolis like Milan or Vienna will cost 30-50% more than in the student towns of Pavia or Graz. Use the Numbeo resource to estimate the prices of food and rent in a specific city.
  4. Audit of scholarship opportunities (Scholarship Support): Find out in advance whether the university has scholarships available to foreigners and whether they require a separate application process. Assess the likelihood of success. If the program offers only one scholarship for a class of 100 students, budget for the full cost of tuition.
  5. Evaluate the possibility of part-time work: Check the employment regulations for students in your chosen country. In some countries, working on a student visa can provide a realistic opportunity to cover food expenses. However, in other countries, the job market may be closed to students without knowledge of the local language.

Typical mistakes when choosing a budget country for study

Even applicants with a strong academic profile make mistakes in financial planning. Here are the most common ones:

The focus is only on tuition fees

This is the most dangerous mistake. A student chooses a university with zero or low tuition fees, forgetting that the cost of renting a room in that city can eat up the entire budget. Always consider the Total Cost of Attendance, not just the semester fee.

Ignoring Proof of Funds requirements

Many people forget that having enough money to live on is not enough for a visa. The consulate requires proof of the entire amount for the next year in a bank account. If you need to borrow or quickly find this money, the visa application process may be delayed.

The choice of the capital without taking into account costs

Enrolling in a top-tier capital city comes with hidden costs: higher transportation costs, expensive cafes, accommodation taxes, and competition for budget-friendly housing. Find a balance between the quality of the university and the accessibility of the city.

No "airbag"

A scholarship or fee waiver may be revoked, and housing prices may increase. Always plan your budget with a 15-20% buffer for unexpected expenses.

Underestimation of the costs of language training

If the training requires language proficiency, the costs of courses and certification exams should be included in the total expenses.

A scholarship is the only hope

Applying for a grant is always a risk. Your financial plan should be functional even if you don’t receive a scholarship.

Submission of documents "at the last moment"

Budget-funded programs and scholarships have early deadlines (6-9 months before the start of the program). Missing the deadline means losing the chance to receive a grant and having to pay for tuition.

How SelfStartGlobal helps you choose a budget-friendly country for admission

Choosing a country is the foundation of your admission strategy. SelfStartGlobal experts help you not just find “where it’s cheaper,” but also create a realistic plan. We conduct in-depth program reviews, assess your chances of receiving scholarship support, and prepare your documents to make your personal brand as appealing as possible to the admissions committee.

Our services, including Full support and Mentoring, assist you in managing your budget effectively and achieving your dream university without unnecessary financial risks.

FAQ: frequently asked questions about budget entry to Europe

Which country is cheaper to study: Austria, Italy or Belgium? Плюсик

Everything is individual. Austria and Italy often offer lower tuition fees, while the cost of living varies depending on the city.

Is it possible to study in Europe for free? Плюсик

Rarely, but possible through grants or fee waiver programs. However, your main expenses will remain accommodation and visa fees.

Where is it easier to get a scholarship? Плюсик

Italy offers the most structured system of regional grants, but receiving any scholarship requires preparation of a strong profile.

Is it possible to work while studying? Плюсик

Yes, in many European countries students are allowed to work up to 20 hours a week, which allows them to partially cover expenses.

 

When will the preparation for admission begin? Плюсик

At least one year before the start of your studies. You need to choose your programs, take language tests, and collect documents for a scholarship and visa.

Universities

Princeton University
USA
A prestigious Ivy League university located in the heart of New York City. Offers strong programs in business, journalism, international relations, and engineering, as well as broad career opportunities
Bachelor's degree: about $60,000 per yearMaster's degree: average $58,000 per yearDoctoral studies: free*
Carnegie Mellon University
USA
Carnegie Mellon University (CMU) is a private research university in Pittsburgh, USA. Known for its strong programs in engineering, computer science, business, arts, and social sciences. CMU is renowned for its interdisciplinary approach, cutting-edge research and preparing students for successful careers in science, technology, business and the creative industries.
Undergraduate: $90,000–$95,000 per yearMaster's degree: $90,000–$100,000 per yearPhD: about $90,000–$100,000 per year
Bocconi University
Italy
Università Bocconi is located in Milan, Italy's financial capital and one of Europe's leading business centers. The university boasts over 120 years of history, approximately 16,000 students from over 100 countries, and a strong position in global rankings.
Bachelor's degree: 16,700 euros/yearMaster's degree: from 21,000 to 34,000 euros/yearDoctoral studies: upon request
Massachusetts Institute of Technology
USA
The Massachusetts Institute of Technology is a leading private research university in the United States, located in Cambridge, near Boston. MIT is a global leader in engineering, computer science, artificial intelligence, economics, and fundamental science. The university is known for its strong focus on practice, scientific research, startups, and technological innovation.
Undergraduate: £24,000 – £40,000 per yearMaster's: £23,000 – £40,000+ per yearPhD: £28,150 – £32,600 per year
Maastricht University
Netherlands
A modern university in the Netherlands, known for its innovative Problem-Based Learning (PBL) approach. Popular among international students, especially in business, economics, law, and healthcare
Bachelor's degree: from €9,000 to €15,000 per yearMaster's degree: from €10,000 to €18,000 per yearDoctorate: free or about €2,500 per year
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Countries

Canada
High-quality education with strong support for international students. Attractive for its safe environment and career and immigration prospects
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China
Chinese universities are rapidly rising in world rankings, and the country has turned into one of the largest educational hubs on the planet. Diplomas from leading Chinese universities are recognized by employers around the world, the cost of education is lower than in Great Britain or the USA, and the government actively finances foreign students. On this page - everything you need for admission: universities, cost, scholarships, documents and student visa.
Read more ➜
Germany
One of the most popular study destinations in Europe. Free or low-cost education, strong technical and engineering fields, and high demand for graduates
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Portugal
Portugal combines a rich history, picturesque landscapes, and a high standard of living, making it increasingly popular among international students. Local universities offer high-quality and affordable education, and close cooperation with the UK opens up opportunities for dual degrees. Studying in Portugal offers European standards at a reasonable cost and a comfortable environment for living and studying.
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Switzerland
A country of prestigious education and high standards. Especially strong in business, finance, hospitality management, and international relations
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UAE
Modern education in an international environment. Campuses of leading global universities, English-taught programs, and a strong focus on careers and business
Read more ➜
United Kingdom
Classical education with global recognition. Shorter study periods, strong humanities and business programs, and a highly valued diploma
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USA
A US education offers prestige and limitless opportunities. American degrees are highly valued worldwide, and graduates from leading universities are eagerly sought after by international companies. US universities consistently occupy top positions in global rankings. Studying here opens the door to a global career and a unique student experience.
Read more ➜
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Our services

MentoringA personal mentor at every stage of preparation. A clear plan, oversight of every step, and predictable results.
Full supportA turnkey international application process: a customized strategy, document preparation, and visa support—all in one service, guaranteeing you admission to a university abroad.
Personal brand in a yearIn 12 months, we'll build your strong personal brand for international study: we'll formulate a strategy, select activities, and identify achievements that will increase your chances of admission and scholarship awards.
Selection of activities for Personal brandA personal brand is the foundation for applying for a scholarship. Get a list of activities that will enhance your profile and distinguish you from other applicants.
Universal supportAccelerated preparation for admission: save money and time without compromising results.
Consultation with an expertAn in-depth 60-minute consultation: we'll discuss your admissions chances, financing options, develop a personalized strategy, and answer all your questions.
Consultation with a career guidance specialistWe'll help you identify your strengths and inclinations, choose the right field of study, and build a successful career.
Getting a student visa from the USAWe'll help you obtain a student visa without stress or errors, and we'll also assist you if your application is rejected.
Selection of universities and scholarshipsWe'll create a list of universities and programs that are right for you—with a realistic chance of admission and scholarships.
Admission to Foundation Programme AbroadWe'll help you enroll in the Foundation Program, a program that allows you to transfer to a bachelor's degree abroad without losing a year. We'll select suitable options, prepare your documents, and develop a strategy.
Preparation of documentationStrong documents make a strong candidate. We'll help you prepare your application package based on both formal and informal university requirements.

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