Study in Finland for Free:

Accessing Scholarships
and Funding

BY

Kolawole, Saheed Oluwasola

© 2024 Kolawole, Saheed Oluwasola. All rights reserved.

Title: Study in Finland for Free: Accessing Scholarships and

Funding

Author: Kolawole, Saheed Oluwasola

No part of this publication may be reproduced, distributed, or

transmitted in any form or by any means, including
photocopying, recording, or other electronic or mechanical
methods, without the prior written permission of the publisher,
except in the case of brief quotations embodied in critical
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copyright law.

For permission requests, please contact the publisher at:

Email: [email protected]

This book is a work of nonfiction. The names, characters,

places, and incidents are products of the author’s research
and/or are used fictitiously. Any resemblance to actual
persons, living or dead, or actual events is purely coincidental.

First Edition: 2024

Contents
Introduction
• Why Study in Finland?
Chapter 1: Understanding the Finnish Higher
Education System
• Types of Institutions: Universities vs.
Universities of Applied Sciences
• Degree Programs and Language of
Instruction
• Tuition Fees and Living Costs in Finland
Chapter 2: Scholarships for International Students
• Government Scholarships
• University-Specific Scholarships
• Scholarships for Non-EU/EEA Students
Chapter 3: How to Apply for Bachelor’s and
Master’s Degrees in Finland
• Researching Degree Programs
• Application Options: Joint Application vs.
Separate Applications
• Mode of Application for Scholarships
Chapter 4: Conditions for Applying for Admission
and Scholarship Considerations
• Eligibility Requirements for Bachelor’s and
Master’s Programs
 • Requirements for HND Holders
Chapter 5: Application Process and How to Fill the
Joint Application Form
• How to Fill the Joint Application Form
• How to Prepare for the Entrance Exam
Chapter 6: Applying for a PhD in Finland
• Understanding the PhD Structure in Finland
• Eligibility Requirements
• Finding a PhD Program and Supervisor
• Application Process
• Funding Your PhD
Chapter 7: Navigating Visa and Immigration
Requirements
• Student Visa Application Process
• Residence Permits and Registration
• Working While Studying: Legal
Considerations
• Post-Graduation Opportunities: Staying in
Finland
Chapter 8: Living and Studying in Finland
• Cost of Living: Budgeting and Expenses
• Accommodation Options: On-Campus and
Off-Campus
• Health Insurance and Medical Care
• Cultural Adaptation and Student Life
 • Applying for Permanent Residency and
Citizenship
Conclusion
• Final Thoughts and Encouragement
Appendices
• Entrance Examination Sample
• Useful Contacts and Websites
• Frequently Asked Questions (FAQs)
 Introduction
Why Study in Finland?
When I first began exploring my options for higher
education, Finland quickly stood out to me as a top
choice. Known for its exceptional education system,
Finland consistently ranks among the best in global
education rankings, and it’s easy to see why.
From the moment I delved into what Finland had to
offer, I was struck by the country’s commitment to
high-quality teaching, innovative learning methods,
and, most importantly, a genuine emphasis on
student well-being.

Helsinki Cathedral
Finland is home to world-class universities and
research institutions where students like myself can
engage with cutting-edge technology and dive deep
into our chosen fields. What truly stood out to me
was Finland’s unwavering commitment to equality
and inclusivity. No matter where you come from,
Finland ensures that every student has the chance
to succeed.
One of the concerns I had about studying abroad
was the financial aspect, but I quickly discovered that
Finland offers a range of scholarships and funding
opportunities specifically designed to make
education accessible to international students. This
relieved a significant amount of stress, allowing me
to focus on my studies and fully immerse myself in
the Finnish experience.
In this eBook, I’m excited to share how you too can
study in Finland by taking advantage of these
scholarships and funding options. I want to help you
realize your dream of a Finnish education without the
worry of financial burdens.
This guide will walk you through everything you need
to know about navigating the Finnish education
system, applying for scholarships, and making the
most of your time in one of the most innovative and
forward-thinking countries in the world.
 CHAPTER 1
Understanding the Finnish Higher
Education System
Types of Institutions: Universities vs.
Universities of Applied Sciences
Finland’s higher education system is unique in that it
offers two distinct types of institutions: universities
and universities of applied sciences (UAS).
Both play a critical role in the country’s education
landscape, but they differ in their focus, structure,
and the opportunities they offer to students.
• Universities:
These are research-intensive institutions that
emphasize theoretical and academic education.
There are 13 universities in Finland, and they offer
programs at the bachelor’s, master’s, and doctoral
levels.
Universities are ideal for students who are interested
in pursuing careers in research, academia, or
advanced professional roles that require a deep
understanding of theory and advanced knowledge in
their field.
The curriculum is often flexible, allowing students to
design their study paths according to their interests
and career goals.

University of Jyväskylä, Finland

• Universities of Applied Sciences (UAS):

Finland has 22 universities of applied sciences,
which focus on providing practical, hands-on
education that is closely aligned with the needs of
the labor market.
UAS programs are typically more structured and
include a significant amount of practical training,
internships, and collaboration with industry partners.
These institutions offer bachelor’s and master’s
degrees, with a strong emphasis on preparing
students for professional roles in fields such as
engineering, business, healthcare, and the arts.
UAS is ideal for students who prefer a more practice-
oriented approach to learning and wish to enter the
workforce with practical skills and experience.
Degree Programs and Language of Instruction
Finland offers a wide range of degree programs
across various fields of study, catering to the diverse
interests and career goals of students. One of the
key strengths of the Finnish higher education system
is its flexibility and accessibility, particularly for
international students.
Bachelor’s Degrees: Typically, a bachelor’s degree
in Finland takes 3 to 4 years to complete, depending
on the field of study.
These programs provide a solid foundation in the
chosen discipline and often include opportunities for
internships, exchange programs, and practical
training.
Master’s Degrees: A master’s degree usually
requires 1.5 to 2 years of study. These programs are
designed to provide advanced knowledge and
specialized skills in a specific field.
Many students pursue a master’s degree after
completing their bachelor’s degree to enhance their
qualifications and career prospects.
Doctoral Degrees: Doctoral programs in Finland
are research-intensive and typically take 4 years to
complete.
These programs are aimed at students who wish to
pursue careers in academia, research, or
specialized professional roles that require a high
level of expertise.
Language of Instruction: While Finnish and
Swedish are the official languages of Finland, a
significant number of degree programs, especially at
the master’s and doctoral levels, are offered in
English.
This makes Finland an attractive destination for
international students who may not speak Finnish or
Swedish but wish to pursue their studies in an
English-speaking environment.
The availability of English-taught programs is one of
the reasons why Finland is a popular choice for
students from around the world.
Tuition Fees
Tuition Fees: Tuition fees in Finland vary depending
on the type of institution, the degree program, and
the student’s country of origin.
• For EU/EEA Students:
Students from the European Union (EU), European
Economic Area (EEA), and Switzerland generally do
not have to pay tuition fees for bachelor’s or master’s
degree programs.
• For Non-EU/EEA Students:
Non-EU/EEA students are required to pay tuition
fees for English-taught bachelor’s and master’s
degree programs.
The fees can range from approximately €4,000 to
€18,000 per academic year, depending on the
institution and program. However, many Finnish
universities and UAS offer scholarships and financial
aid to international students, which can significantly
reduce the cost of tuition.
• For Doctoral Students:
Doctoral programs in Finland are generally tuition-
free for all students, regardless of nationality.
However, students may need to cover additional
costs related to their research and living expenses.
 CHAPTER 2
Scholarships for International Students
One of the most significant challenges for
international students is financing their education
abroad. Fortunately, Finland offers a range of
scholarships designed to help offset the costs of
tuition and living expenses.
These scholarships are available from various
sources, including the Finnish government,
individual universities, and other organizations.
In this chapter, we’ll explore the different types of
scholarships available to international students who
wish to study in Finland.
Government Scholarships
The Finnish government provides several
scholarship programs for international students,
particularly at the postgraduate and doctoral levels.
These scholarships are designed to attract talented
students from around the world and support their
academic and research pursuits in Finland.
• The Finnish Government Scholarship
Pool:
This program is available for students from specific
countries who are applying for doctoral studies or
research in Finland.
The scholarship covers living expenses and is
typically awarded for 3 to 9 months.
While the scholarship does not cover tuition fees, it
provides a stipend that helps with daily expenses
during the study period.
https://www.oph.fi/en/development/finnish-
government-scholarship-pool

• CIMO Scholarships (Finnish National

Agency for Education):
These scholarships are intended for doctoral-level
students and young researchers from all countries.
The CIMO scholarships are awarded for 3 to 12
months, providing a monthly grant to cover living
expenses.
These scholarships are particularly attractive to
students pursuing research in Finnish universities.
 • The EDUFI Fellowships:
Administered by the Finnish National Agency for
Education (EDUFI), these fellowships are aimed at
doctoral students and young researchers from all
academic fields.
The fellowship provides a monthly allowance to
cover living costs, and in some cases, travel grants
may also be available.
This program is open to students from outside the
EU/EEA and Switzerland.
https://www.oph.fi/en/internationalisation/edufi-
fellowship
University-Specific Scholarships
Many Finnish universities and universities of applied
sciences (UAS) offer their own scholarship programs
to support international students.
These scholarships are often merit-based and can
significantly reduce or even eliminate tuition fees.
Some universities also offer scholarships that cover
living expenses in addition to tuition.
• Merit-Based Scholarships:
These scholarships are awarded based on
academic excellence and are available to students
who demonstrate outstanding performance in their
previous studies.
Merit-based scholarships are typically offered at
both the bachelor’s and master’s levels and can
cover anywhere from 50% to 100% of the tuition
fees.
• Early Bird Discounts:
Some universities offer early bird discounts to
students who apply and accept their admission
offer early. These discounts usually reduce the
tuition fee by a certain percentage and are a great
way to save on education costs.
• Need-Based Scholarships:
In addition to merit-based scholarships, some
universities offer need-based scholarships for
students who may not have the financial means to
cover their tuition fees.
These scholarships are typically awarded based on
the student's financial situation and the cost of living
in Finland.
• Program-Specific Scholarships:
Certain degree programs, particularly those in high-
demand fields such as technology, engineering, and
healthcare, may have dedicated scholarships for
international students.
These scholarships are often provided by the
universities in collaboration with industry partners,
aiming to attract top talent to specific sectors.

Scholarships for Non-EU/EEA Students

Non-EU/EEA students are required to pay tuition
fees for degree programs offered in English, but
there are numerous scholarships available
specifically to help them manage these costs.
• University of Helsinki International
Scholarship Program:
The University of Helsinki offers a range of
scholarships for non-EU/EEA students, including full
tuition fee grants and living cost stipends.
These scholarships are awarded based on
academic merit and are available for both bachelor’s
and master’s degree programs.
• Aalto University Scholarship Program:
Aalto University provides scholarships for non-
EU/EEA students, which can cover 50% or 100% of
the tuition fees.
The scholarships are awarded based on the
student’s academic performance and are available
for both bachelor’s and master’s degree programs.
 • Tampere University Scholarships:
Tampere University offers a range of scholarships for
non-EU/EEA students, including the Tampere
University Tuition Fee Scholarship, which covers
100% of the tuition fees, and the Finland
Scholarship, which covers both tuition fees and
provides a 7,000 EUR stipend for living expenses.
Finnish Language Skills Scholarships:
Some universities offer scholarships to non-EU/EEA
students who demonstrate proficiency in the Finnish
language.
These scholarships are designed to encourage
students to learn the language and integrate more
fully into Finnish society.
 CHAPTER 3
How to Apply for Bachelor’s and Master’s
Degrees in Finland
Researching Degree Programs
The first step in applying for a Bachelor’s or Master’s
degree in Finland is to thoroughly research the
programs available to you.
Finland offers a wide range of programs across
various fields of study, so it’s important to identify the
one that best aligns with your academic and career
goals.
In this section, we’ll explore how to effectively use
Studyinfo.fi, Finland’s official online portal for finding
and applying to degree programs, as well as how to
understand program requirements and compare
universities.

Application Options
When applying for Bachelor’s or Master’s programs
in Finland, you have two primary options for
submitting your applications:
Joint Application and Separate Applications.
Understanding these options will help you choose
the best approach for your academic goals and
timeline.
Joint Application
The Joint Application process is a convenient option
that allows you to apply to multiple programs with a
single application form. Here’s how it works:
• Apply to Up to Six Programs:
With the Joint Application, you can apply to up to six
different degree programs simultaneously.
This is particularly useful if you’re interested in
multiple fields of study or if you want to increase your
chances of admission by applying to several
institutions.
• Timing:
The Joint Application period typically opens in
January for programs starting in the autumn
(September).
This is the main application period, and most degree
programs, especially those taught in English, are
available during this cycle.
 • Autumn Study Start:
The majority of programs applied for during the
January Joint Application period begin in the
autumn, usually in September.
However, some programs may also offer study starts
in January, for which the application period usually
begins in September of the previous year.
• Application Process:
The Joint Application process is centralized,
meaning you submit one application through
Studyinfo.fi, listing your program choices in order of
preference.
You will receive an offer for the highest-ranked
program for which you are eligible and accepted.
• Scholarships:
Many scholarships are linked to the Joint Application
period.
Applying during this time allows you to be
automatically considered for these scholarships,
depending on the programs you choose.
Separate Applications
In addition to the Joint Application, some programs
in Finland allow for Separate Applications.
This option provides flexibility for students who may
have missed the Joint Application period or are
interested in programs with different timelines.
• Outside the Joint Application Periods:
Separate Applications are available for programs
that are not included in the Joint Application.
These applications are handled directly by the
universities or universities of applied sciences (UAS)
offering the programs.
• Varying Details:
The deadlines, application procedures, and
available programs can vary significantly for
Separate Applications. It’s crucial to check the
specific details for each program through the
program search on Studyinfo.fi or by contacting the
institutions directly.
• Flexible Start Dates:
Some programs may have flexible start dates
outside of the typical autumn or spring semesters. If
you are looking for a program with a non-traditional
start date, Separate Applications may be your best
option.
• Direct Contact with Institutions:
When applying through Separate Applications, you
may need to communicate directly with the
institutions to understand their specific
requirements, deadlines, and application processes.
This direct contact can also be an opportunity to ask
questions and gather detailed information about the
program.

Mode of Application for Scholarships

When applying for Bachelor’s or Master’s programs
in Finland, one of the key aspects to consider is the
availability of scholarships.
The Finnish higher education system offers various
scholarships to international students, often tied
directly to specific degree programs.
Understanding how these scholarships are
presented and how to apply for them is crucial for
securing financial support for your studies.
Scholarships Listed on Studyinfo.fi
Studyinfo.fi is the key resource for finding and
applying to degree programs in Finland.
When you explore a program on this platform, you'll
find specific information regarding the scholarships
available, along with the mode of instruction and
other essential details.
Here’s how to navigate the scholarship application
process:
• Scholarship Information on Program
Pages:
Each degree program listed on Studyinfo.fi includes
a section dedicated to scholarships.
This section details the types of scholarships
available for that particular program, which could
range from partial scholarships (e.g., 50% of tuition
fees) to full scholarships (100% of tuition fees).
Some programs may also offer additional financial
support, such as living stipends or grants for study
materials.
• Types of Scholarships:
The scholarships available can vary widely by
program and institution.
Common types include merit-based scholarships,
need-based scholarships, and specific scholarships
for students from particular regions or countries.
For instance, a Master’s program in Information
Technology might offer a full scholarship to the top
15% of applicants based on their academic records.
Mode of Instruction and Scholarship Eligibility:
The mode of instruction (language in which the
program is taught) is also clearly indicated on the
program’s page.
Some scholarships are specifically for programs
taught in English, while others may be for programs
in Finnish or Swedish.
Ensure that the scholarship you are interested in
applies to the program's language of instruction.
Applying to Multiple Programs
Studyinfo.fi allows you to apply to up to six programs
simultaneously.
This is a significant advantage as it increases your
chances of securing admission and a scholarship.
You can apply to multiple programs within the same
university or across different institutions, depending
on your preferences and academic goals.
 CHAPTER 4
Conditions for Applying for Admission and
Scholarship
When planning to study in Finland, it’s important to
understand the specific conditions and eligibility
criteria for applying to Bachelor’s and Master’s
programs.
This chapter will cover the necessary qualifications,
including the requirements for those holding a
Higher National Diploma (HND), and will provide
guidance on navigating the admissions and
scholarship processes.
Eligibility Requirements
Bachelor’s Programs
• High-School Diploma:
To apply for a Bachelor’s program in Finland, you
must possess a high-school diploma that qualifies
you for higher education in your home country.
This means your diploma should meet the standards
set by your national education system for entry into
university-level studies.
• Entrance Exams and SAT Tests:
Some programs may require you to take entrance
exams as part of the admissions process.
Additionally, certain programs might accept SAT
scores as an alternative to entrance exams.
These exams are designed to assess your academic
readiness for higher education.
• English Language Proficiency:
If you are applying to an English-taught program and
are not a native English speaker, you will need to
demonstrate your proficiency in English.
Accepted tests include IELTS, TOEFL, PTE, or
Cambridge English exams.
The required scores vary by program, so it’s
essential to check the specific language
requirements for each program on Studyinfo.fi.

Master’s Programs
• Bachelor’s Degree:
To be eligible for a Master’s program, you must hold
a Bachelor’s degree from a recognized institution.
The degree should be relevant to the field of study
you wish to pursue at the Master’s level.
This ensures that you have the foundational
knowledge necessary for advanced study.
• Work Experience for UAS Master’s
Programs:
For Master’s programs offered by universities of
applied sciences (UAS), you are required to have at
least two years of relevant work experience after
completing your Bachelor’s degree.
This work experience is crucial as UAS programs
focus on practical, professionally oriented education,
where real-world experience enhances learning.
• Additional Admissions Criteria:
Admission to Master’s programs may also involve
entrance exams, interviews, or other forms of
assessment. These criteria are used to evaluate
your readiness and suitability for the program.
• English Language Proficiency:
Similar to Bachelor’s programs, non-native English
speakers applying to English-taught Master’s
programs must demonstrate their proficiency in
English.
The same language tests (IELTS, TOEFL, PTE, or
Cambridge) are typically required.
Requirements for HND Holders
If you hold a Higher National Diploma (HND), your
eligibility for admission to Finnish higher education
institutions will depend on several factors:
• Bachelor’s Degree Eligibility:
In general, HND holders may not be directly eligible
to apply for a Master’s program in Finland, as a
Bachelor’s degree is typically required.
However, HND holders can apply for Bachelor’s
degree programs if they wish to pursue further
undergraduate studies.
This path allows HND holders to build on their
existing qualifications and potentially transition into
higher levels of education.
• Applying for UAS Programs:
Some universities of applied sciences (UAS) may
consider HND holders for Bachelor’s programs,
especially if the HND is in a related field.
The UAS system, with its focus on practical and
professional skills, might offer more flexibility for
HND holders compared to traditional universities.
 CHAPTER 5
Application Process and How to Fill the Joint
Application Form
Application Process
The application process for Finnish universities
generally follows these steps:

1. Research Programs:
Begin by researching the programs you are
interested in. Use Studyinfo.fi to explore the
available options, review program details, eligibility
requirements, and scholarships.
 2. Prepare Required Documents:
Gather all the necessary documents, including
academic transcripts, proof of language proficiency,
letters of recommendation, and any other materials
required by the programs you are applying to.
3. Fill Out the Application Form:
Complete the Joint Application form during the
application period, which typically occurs in January
for autumn study starts. The application form can be
filled out online through Studyinfo.fi.
4. Submit the Application:
Once you have completed the application form and
uploaded all required documents, submit your
application through the Studyinfo.fi portal.
Participate in Entrance Exams or Interviews: If
required by your chosen programs, prepare for and
participate in any entrance exams or interviews.
5. Receive Admission Results:
After the evaluation process, you will receive your
admission results. If you are offered a place, you will
need to confirm your acceptance and follow any
additional instructions provided by the university.
How to Fill the Joint Application Form
Filling out the Joint Application form on Studyinfo.fi
is a key step in the application process. Here’s how
to do it:

• Choose Your Programs:

You can apply to up to six different programs with
one Joint Application. Search for the programs you
are interested in by using the search bar or browsing
by field of study, institution, or language of
instruction.
Select the programs you want to apply to and add
them to your application. Arrange them in order of
preference, as you will be considered for admission
based on this ranking.

• Fill Out Personal Information:

Provide your personal details, including your name,
date of birth, nationality, and contact information.
Make sure all information is accurate and matches
your official documents.
 • Educational Background:
Enter your educational background, including the
schools you have attended, the qualifications you
have obtained, and your grades.
If you are applying for a Bachelor’s program, ensure
you provide details of your high-school diploma. For
Master’s programs, include information about your
Bachelor’s degree.
• Language Proficiency:
Indicate your proficiency in the language of
instruction for your chosen programs. If you have
taken language proficiency tests (such as IELTS,
TOEFL, or PTE), enter your test scores and upload
the relevant certificates.
• Upload Required Documents:
Upload all required documents, including academic
transcripts, proof of language proficiency, letters of
recommendation, and any other materials specified
by the programs.
Make sure each document is clearly labeled and in
the correct format (PDF is usually preferred).

• Scholarship Consideration:
If you are applying for scholarships, check if the
programs you selected offer scholarships and
whether additional information is required for
consideration. Some scholarships are automatically
considered as part of the Joint Application, while
others may require additional documentation or a
separate application.
• Review and Submit:
Review your entire application to ensure all
information is correct and all required documents are
uploaded. Double-check the order of your program
preferences.
Once you are satisfied with your application, submit
it through the Studyinfo.fi portal. You will receive a
confirmation email after submission.
 • Track Your Application:
After submitting your application, you can log in to
your Studyinfo.fi account at any time to track the
status of your application, receive updates, and
check if any additional steps are required.
• Prepare for Entrance Exams or Interviews:
If any of your chosen programs require entrance
exams or interviews, prepare for them accordingly.
You will be notified of the details and dates through
Studyinfo.fi or directly by the universities.
How to Prepare for the Entrance Exam

Entrance exams are a crucial part of the admission

process for many Bachelor’s and Master’s programs
in Finland.
These exams are designed to assess your readiness
for higher education and your ability to succeed in
your chosen field of study.
Proper preparation is key to performing well on these
exams. Here’s a comprehensive guide on how to
prepare effectively for your entrance exam:
1. Understand the Exam Format and Content
Review the Exam Syllabus: Start by familiarizing
yourself with the syllabus or content areas covered
in the entrance exam.
Most universities provide detailed information about
the topics, subjects, and types of questions that will
be included.
This information is often available on the program’s
page on Studyinfo.fi or the university’s official
website.
Know the Exam Format: Understand the structure
of the exam, including the number of sections, types
of questions (e.g., multiple-choice, short answer,
essay), the duration, and any specific rules or
guidelines.
Knowing what to expect will help you manage your
time effectively during the exam.
Identify Key Topics: Focus on the core subjects
and key topics emphasized in the exam syllabus.
Prioritize areas where you may need additional
practice or study.
2. Gather Study Materials
Textbooks and Course Materials: Use relevant
textbooks, course materials, and lecture notes that
cover the topics outlined in the exam syllabus.
These resources should be your primary study tools.
Practice Tests and Sample Questions: Practicing
with these materials will help you get a feel for the
types of questions you’ll encounter on the actual
exam and improve your test-taking skills.
Additionally, refer to the sample entrance exam
provided in the Appendices of this eBook to
familiarize yourself with the question formats and
difficulty level.
Online Resources: Explore online resources such
as educational websites, video tutorials, and study
guides that cover the subjects included in the
entrance exam.
Some universities may also offer online preparation
courses or webinars.
3. Create a Study Plan
Set a Study Schedule: Develop a study schedule
that allows you to cover all the necessary topics
before the exam date.
Break down your study sessions into manageable
time slots, focusing on one subject or topic at a time.
Allocate Time for Revision: Make sure to allocate
sufficient time for revision, particularly for subjects or
topics that you find challenging.
Regular revision helps reinforce your knowledge and
improves retention.
Practice Time Management: Since entrance
exams are often time-limited, practice answering
questions within the allotted time.
This will help you get accustomed to the pace of the
exam and reduce the risk of running out of time
during the actual test.
4. Focus on Your Weaknesses
Identify Weak Areas: As you study, identify areas
where you may be struggling or where your
knowledge is weaker.
Spend extra time reviewing these topics to ensure
you have a solid understanding.
Seek Help if Needed: If you’re having difficulty with
certain topics, don’t hesitate to seek help. You can
ask your teachers, join study groups, or seek tutoring
if necessary.
Online forums and study communities can also be
helpful for discussing difficult concepts.
5. Practice Exam Techniques
Simulate Exam Conditions: Practice taking full-
length practice exams under exam-like conditions.
This means timing yourself, working in a quiet
environment, and following the same rules you’ll
encounter on exam day. This will help you build
confidence and reduce anxiety.
Develop Answering Strategies: Learn strategies
for answering different types of questions. For
multiple-choice questions, practice the process of
elimination.
For essay questions, practice organizing your
thoughts quickly and writing coherent, structured
responses.
Focus on Accuracy: While speed is important,
accuracy is critical. Practice answering questions
carefully to avoid careless mistakes. Double-check
your work when time allows.
 CHAPTER 6
Applying for a PhD in Finland
Pursuing a PhD in Finland offers an opportunity to
engage in high-level research in a supportive and
innovative academic environment.
Finnish universities are renowned for their research
excellence, and a PhD from Finland can open doors
to global academic and professional opportunities.
This chapter will guide you through the application
process for a PhD in Finland, including how to
secure funding, the requirements, and the steps you
need to take to successfully apply.

Working in a lab
1. Understanding the PhD Structure in Finland
Research Focus: PhD programs in Finland are
research-intensive, with the primary goal of
producing original and significant contributions to
your chosen field of study.
Unlike some other countries, Finnish PhD programs
do not typically include a structured coursework
component; instead, they focus heavily on
independent research.
Duration: The standard duration of a PhD in Finland
is approximately four years of full-time study. This
may vary depending on the research field and the
progress of your dissertation.
Doctoral Schools and Programs: Finnish
universities often organize their PhD studies within
doctoral schools or programs, which may be specific
to a discipline, faculty, or interdisciplinary area.
These schools provide resources, supervision, and
sometimes additional training opportunities for PhD
candidates.
2. Eligibility Requirements
Master’s Degree: To be eligible for a PhD in Finland,
you typically need to hold a relevant Master’s degree
or an equivalent qualification.
The degree should be in a field closely related to the
intended area of research.
Research Proposal: A well-developed research
proposal is a could also be part of your PhD
application.
The proposal should outline the research question,
objectives, methodology, and potential contribution
to the field.
This document demonstrates your readiness to
undertake doctoral-level research.
Language Proficiency: While many PhD programs
in Finland are offered in English, especially in
scientific and technical fields, you may be required
to demonstrate proficiency in English through
standardized tests like IELTS, TOEFL, or PTE if you
are not a native English speaker.
3. Finding a PhD Program and Supervisor
Identify Research Interests: Start by identifying
your research interests and the field in which you
want to pursue your PhD.
This will help you narrow down potential programs
and supervisors.
Search for Programs: Use Studyinfo.fi and
university websites to search for PhD programs that
align with your research interests.
Look for programs that match your academic
background and offer resources or facilities that
support your research.
Contact Potential Supervisors: Before applying, it
is often recommended to contact potential
supervisors to discuss your research proposal and
confirm their availability and willingness to supervise
your PhD.
A good match between you and your supervisor is
essential for the success of your research.
4. Application Process
Prepare Your Research Proposal: Develop a clear
and compelling research proposal. This document
should demonstrate the originality and feasibility of
your research, as well as its relevance to the field.
Make sure it is well-structured and thoroughly
reviewed.
Gather Required Documents: Typical documents
required for a PhD application include:
• Academic transcripts from previous studies
(Bachelor’s and Master’s degrees)
• A CV or resume highlighting your academic
and research experience
• Letters of recommendation from previous
professors or employers
• Proof of language proficiency (if required)
• A motivation letter explaining why you want to
pursue a PhD and why you chose the specific
program
Submit Your Application: Applications are
generally submitted directly to the university or
doctoral school.
Each university may have its own application portal
or process, so be sure to follow the specific
instructions provided by the institution.
5. Funding Your PhD
Funding is a crucial consideration for PhD studies. In
Finland, PhD students may secure funding through
various sources:
University Grants and Scholarships: Some
universities offer grants or scholarships specifically
for PhD students.
These may cover tuition fees, living expenses, or
research costs. Check with the university’s doctoral
school or international office for available funding
opportunities.
Research Projects and Assistantships: PhD
candidates often secure funding by working on
research projects led by their supervisors or other
faculty members.
These positions may be advertised on university
websites or through direct contact with potential
supervisors.
External Scholarships: Various Finnish and
international organizations offer scholarships to PhD
students.
For example, the EDUFI Fellowship by the Finnish
National Agency for Education (EDUFI) supports
doctoral students and researchers from all countries.
Employment Contracts: In some cases, PhD
students are employed by the university as early-
stage researchers or teaching assistants.
These positions provide a salary and benefits,
making them an attractive option for funding your
studies.
Here is a list of universities in Finland that offer PhD
programs, along with links to their respective PhD
program pages:
1. University of Helsinki
https://www.helsinki.fi/en/admissions-and-
education/apply-doctoral-programmes/doctoral-
programmes
2. Aalto University
https://www.aalto.fi/en/doctoral-education
3. University of Turku
https://www.utu.fi/en/research/utugs/doctoral-
programmes
4. University of Eastern Finland
https://www.uef.fi/en/uef-doctoral-school
5. University of Oulu
https://www.oulu.fi/en/research/graduate-
school/thesis-requirements-and-studies/doctoral-
degree-programmes-and-major-subjects
6. University of Jyväskylä
https://www.jyu.fi/en/doctoral-education/apply-to-
doctoral-studies
7. Tampere University
https://www.tuni.fi/en/study-with-us/tampere-
university-studies/doctoral-programmes
8. University of Vaasa
https://www.uwasa.fi/en/education/doctoral-
education
9. Åbo Akademi University
https://www.abo.fi/en/research-at-
aau/postgraduate-and-doctoral-studies/doctoral-
programmes-at-abo-akademi-university/
10. Lappeenranta-Lahti University of Technology
(LUT)
https://elut.lut.fi/en/doctoral-studies
11. Hanken School of Economics
https://www.hanken.fi/en/students/study-
programmes/phd-programme
12. University of Lapland
https://www.ulapland.fi/EN/Admissions/Doctoral-
Studies
13. University of the Arts Helsinki
https://www.uniarts.fi/en/doctoral-education/

How to Prepare a Winning Scholarship

Application
A well-prepared scholarship application can
significantly increase your chances of receiving
financial aid. Here’s how to ensure your application
stands out:
Research Thoroughly: Start by researching the
scholarships available for your chosen program and
institution. Studyinfo.fi is a valuable resource for
finding detailed information on scholarships.
Make a list of all the scholarships you are eligible for
and note their specific requirements and deadlines.
Tailor Your Application: Customize your
application for each scholarship. Highlight the
aspects of your background that align with the
scholarship’s criteria.
For example, if the scholarship is awarded based on
academic excellence, emphasize your grades,
honors, and relevant achievements.
Highlight Relevant Experience: If the scholarship
considers work experience, internships, or
extracurricular activities, make sure to include these
in your application.
Demonstrating how your experiences have prepared
you for the program can strengthen your case.
Proofread and Edit: Your scholarship application
should be free of errors and well-organized.
Proofread your application multiple times, and
consider having someone else review it to catch any
mistakes or areas for improvement.
 CHAPTER 7
Navigating Visa and Immigration Requirements
Understanding the process for obtaining a student
visa, securing a residence permit, and the legalities
of working while studying can help ensure a smooth
transition to living and studying in Finland as an
international student.
Additionally, it’s important to be aware of post-
graduation opportunities that may allow you to stay
in Finland after completing your studies.

Finnish Immigration Service (migri)

1. Student Visa Application Process
If you are a non-EU/EEA citizen, you will need to
apply for a student visa (officially known as a
residence permit for studies) to study in Finland.
Here’s how the process works:
When to Apply: Apply for your student visa as soon
as you receive your official letter of admission from
a Finnish university.
The application process can take several weeks, so
it’s important to start early to avoid any delays.
Application Platform: The Finnish Immigration
Service (Migri) handles student visa applications.
You can apply online through the Migri e-service
portal:
Enter Finland (https://enterfinland.fi/eServices)
After submitting your application for a residence
permit for studies on Enter Finland, you will also
need to apply for a visa through a third party, such
as VFS Global Group, which is commonly used for
this process.
This step typically involves scheduling an
appointment to submit your biometric data and
supporting documents in person.
Required Documents: You will need to submit
several documents as part of your visa application,
including:
Letter of Admission: Proof of your acceptance into
a Finnish university.
Proof of Financial Means: As part of your visa
application, you are required to demonstrate that you
have sufficient funds to support yourself during your
studies.
Typically, this means showing that you have at least
€560 per month (€6,720 per year) available in your
bank account.
However, if you are applying for a PhD and have
secured funding through your supervisor or a
research grant, you may not need to show this
amount in your personal account.
In such cases, the funding provided by your
supervisor or the grant will be detailed in an official
letter, which will serve as proof of financial means,
covering your living expenses during your studies.
Health Insurance: You are required to have valid
health insurance that covers medical expenses in
Finland.
The insurance policy must meet the requirements
set by the Finnish Immigration Service. For a cost-
effective and easy option, I recommend using
Swisscare.com, which offers affordable health
insurance plans tailored for international students.
Passport: A valid passport that will not expire during
your intended stay in Finland.
Passport-Sized Photos: Recent passport-sized
photographs that meet the specified requirements.
Application Fee: The visa application fee, which
must be paid during the application process.
Biometric Data: You will need to visit a Finnish
embassy or consulate to provide biometric data
(fingerprints) as part of your application. Schedule
an appointment at the nearest Finnish mission to
complete this step.
Processing Time: The processing time for a student
visa can vary, but it typically takes about 2 weeks - 2
months. Be sure to apply well in advance of your
intended travel date.
Receiving the Decision: Once your visa is
approved, you will receive a residence permit card
that allows you to enter Finland.
If your application is rejected, you will receive a
detailed explanation and information on how to
appeal the decision if necessary.
2. Residence Permits and Registration
Once you arrive in Finland, there are additional steps
you need to take to ensure your stay is legal and
properly documented:
Residence Permit Card: Upon arrival in Finland,
you must carry your residence permit card with you
at all times.
This card serves as proof of your legal status in the
country.
Registering with the Finnish Population
Information System: If you plan to stay in Finland
for more than one year, you must register with the
Finnish Population Information System at your local
Digital and Population Data Services Agency.
Registration will provide you with a Finnish personal
identity code, which is necessary for many activities
such as opening a bank account and accessing
healthcare.
Municipal Registration: After registering with the
Population Information System, you should also
register with the local municipality where you will be
living.
This registration allows you to access municipal
services such as healthcare and education.
Renewing Your Residence Permit: If your studies
extend beyond the validity of your initial residence
permit, you must apply for a renewal before your
current permit expires.
The renewal process is similar to the initial
application and can be done through the Migri e-
service portal.
3. Working While Studying: Legal
Considerations
International students in Finland are allowed to work
while studying, but there are specific regulations you
need to be aware of:
Work Hours: Non-EU/EEA students with a
residence permit for studies can work up to 25 hours
per week during the academic term.
This limit applies to both part-time and full-time work.
During holiday periods (such as summer and
Christmas holidays), you can work full-time without
restrictions.
Job Types: There are no restrictions on the type of
work you can do, as long as it does not interfere with
your studies.
Many students find work in sectors such as
hospitality, retail, and services, or take on internships
related to their field of study.
Taxation: Any income you earn in Finland is subject
to Finnish tax laws. You will need to obtain a Finnish
tax card and ensure that your employer withholds the
correct amount of tax from your earnings.
If you work only occasionally, you may be eligible for
a higher tax-free income limit.
Impact on Residence Permit: If you work more
than the allowed 25 hours per week during the
academic term, it may affect your residence permit
status. Be sure to adhere to the legal limits to avoid
any complications.
4. Post-Graduation Opportunities: Staying in
Finland
Finland offers several options for international
students who wish to stay in the country after
completing their studies:
Job-Seeking Residence Permit: After graduating,
you can apply for a job-seeking residence permit,
which allows you to stay in Finland for up to one year
to search for employment.
To qualify, you must have completed a degree at a
Finnish university and submit an application before
your student residence permit expires.
Employment-Based Residence Permit: Once you
find a job, you can apply for an employment-based
residence permit. This permit allows you to stay in
Finland as long as you are employed.
The application process involves submitting a work
contract and proof that the job meets the income
requirements set by the Finnish government.
Permanent Residency: After living in Finland for
four continuous years with a residence permit, you
may be eligible to apply for a permanent residence
permit.
This permit allows you to live and work in Finland
indefinitely. To qualify, you must meet certain criteria,
such as continuous employment and integration into
Finnish society.
Entrepreneurship Opportunities: If you have a
business idea, you may also consider starting your
own business in Finland.
The Finnish government offers support for startups,
and you can apply for a residence permit as an
entrepreneur if you plan to establish a business in
the country.
EU Blue Card: If you secure a highly skilled job, you
may be eligible for the EU Blue Card, which is a
residence permit for non-EU/EEA citizens working in
high-demand professions.
The Blue Card offers benefits such as the ability to
work in other EU countries and faster access to
permanent residency.
 CHAPTER 8
Living and Studying in Finland
Moving to Finland for your studies involves not only
academic preparation but also getting accustomed
to a new way of life.
Understanding the cost of living, finding suitable
accommodation, ensuring you have the necessary
health insurance, and adapting to the Finnish culture
are all essential aspects of your experience as an
international student.
This chapter will guide you through the key areas of
living and studying in Finland.

KOAS Accommodation
1. Cost of Living: Budgeting and Expenses
Monthly Expenses: The cost of living in Finland can
vary depending on the city, your lifestyle, and your
spending habits.
On average, students should budget between €700
and €1,200 per month to cover living expenses,
including accommodation, food, transportation, and
leisure activities.
Cities like Helsinki tend to be more expensive than
smaller towns.
Budgeting Tips:
• Housing: Rent is likely to be your biggest
expense. To save money, consider sharing
accommodation with other students.
• I recommend using KOAS
(https://www.koas.fi/en/) or Suito
(https://soihtu.fi/en/housing/) for affordable
shared housing options that allow you to
reduce costs while enjoying a community-
oriented living environment.
• Groceries and Dining: Buying groceries and
cooking at home is more economical than
eating out. Finnish supermarkets offer a wide
range of affordable options.
• Transportation: Many cities offer student
discounts on public transportation. Consider
 getting a monthly travel card to save on
commuting costs.
• Student Discounts: Take advantage of
student discounts available for various
services, including cultural events, travel, and
even shopping.
Unexpected Costs: It’s important to set aside some
money for unexpected expenses, such as medical
emergencies, travel, or additional course materials.
Having a financial buffer will help you manage these
costs without stress.
Finding Accommodation:
Apply Early: Student housing is in high demand, so
it’s essential to apply as early as possible once
you’ve been accepted to a university.
Consider Location: Proximity to your campus,
public transportation, and local amenities should be
considered when choosing accommodation.
Furnishings: Some student housing is furnished,
while others are not. Be sure to check what is
included in the rent.
4. Cultural Adaptation and Student Life
Cultural Adaptation: Finland has a unique culture
that you will gradually get accustomed to as you live
and study there. Some aspects of Finnish culture
include:
 • Respect for Privacy: Finns value personal
space and privacy. It’s common for people to
be reserved, especially with strangers, but
they are also very friendly and welcoming
once you get to know them.
• Punctuality: Punctuality is highly valued in
Finland, so make sure to be on time for
classes, meetings, and social events.
• Sauna Culture: Saunas are an integral part
of Finnish culture. Don’t be surprised if you
are invited to a sauna as a social activity—it’s
a great way to relax and bond with others.
Student Life:
• Student Organizations: Joining student
organizations and clubs is a fantastic way to
make friends, learn new skills, and immerse
yourself in Finnish student culture. These
organizations often organize events, trips,
and activities throughout the academic year.
• Social Events: Universities in Finland host
various social events, including student
parties, cultural nights, and sporting events.
Participating in these activities is a great way
to meet new people and enjoy your time
outside of academics.
• Support Services: Most universities offer
support services for international students,
including academic advising, career services,
 and counseling. Don’t hesitate to use these
resources if you need help adjusting to your
new environment or managing your studies.
Learning Finnish: While many Finns speak
English, learning Finnish to a high degree can
significantly enhance your experience and help you
fully integrate into the local community.
Proficiency in Finnish will not only make day-to-day
interactions smoother but also increase your
chances of securing a job quickly.
Additionally, having strong Finnish language skills
can be advantageous when applying for a residence
permit, as it demonstrates your commitment to
integrating into Finnish society.
Many universities offer language courses for
international students, providing a great opportunity
to start learning Finnish as soon as you arrive.
Applying for Permanent Residency and
Citizenship
Permanent Residency:
Eligibility: To apply for permanent residency in
Finland, you must have lived in the country
continuously for at least four years with a residence
permit.
Your stay must be legal and uninterrupted, meaning
you should have held a valid residence permit
throughout this period.
Application Process: The application for
permanent residency is submitted to the Finnish
Immigration Service (Migri).
You will need to provide proof of continuous
residence, stable income, and integration into
Finnish society, which can be demonstrated through
employment, language skills, and community
involvement.
Benefits: Holding a permanent residence permit
allows you to live and work in Finland indefinitely
without needing to renew your permit. It also
provides more stability and rights, such as access to
social security and healthcare services.
Finnish Citizenship:
Eligibility: After living in Finland for five continuous
years with a residence permit, you may be eligible to
apply for Finnish citizenship.
You must demonstrate sufficient proficiency in
Finnish or Swedish, have a clean criminal record,
and be able to support yourself financially.
Language Requirement: Proficiency in Finnish or
Swedish is a key requirement for citizenship. You
must pass a language proficiency test or provide
equivalent certification.
Strong language skills not only fulfill this requirement
but also aid in your integration into Finnish society.
Application Process: The citizenship application is
submitted to Migri and involves a thorough review of
your residency history, language skills, and
background.
The processing time for citizenship applications can
vary, so it’s advisable to apply well in advance of any
specific plans.
Dual Citizenship: Finland allows dual citizenship,
so you can retain your original nationality while
acquiring Finnish citizenship.
This offers flexibility in maintaining ties to your home
country while enjoying the rights and privileges of
Finnish citizenship.
 CONCLUSION
As I reflect on my journey through the Finnish
education system, I can't help but feel a deep sense
of gratitude and accomplishment.
When I first arrived in Finland, I was filled with
excitement and a bit of nervousness about what lay
ahead.
But as I immersed myself in the academic
environment, I quickly realized that I was in a place
where creativity, critical thinking, and innovation are
not just encouraged—they are expected.
My time here has been transformative. I've learned
to approach problems from new angles, collaborate
with people from diverse backgrounds, and push the
boundaries of my own knowledge and skills.
The support I've received from professors,
classmates, and university staff has been invaluable,
and it's clear that Finland truly values education and
personal growth.
One of the most significant lessons I've learned is
the importance of perseverance.
Whether it was mastering a challenging course,
adapting to the long winter months, or learning the
Finnish language, I've grown stronger and more
resilient.
And while there were moments of doubt and
difficulty, each challenge was an opportunity to learn
and grow.

Jyväskylä, Finland

For anyone considering studying in Finland, I can

wholeheartedly say that it’s a decision you won’t
regret.
The opportunities are vast, the education is world-
class, and the experience is truly life-changing. If
you’re ready to challenge yourself, explore new
horizons, and grow both academically and
personally, Finland is the place to do it.
And as you embark on this journey, remember that
you’re not alone. There are countless resources,
support systems, and communities here to help you
every step of the way.
I encourage you to take advantage of everything
Finland has to offer—immerse yourself in the culture,
build connections, and never stop learning.
Your time in Finland will be what you make of it, and
I’m confident that it will be one of the most rewarding
experiences of your life.
 APPENDICES
1. Entrance Examination Sample
For those preparing for their entrance exams, here’s
a sample exam to give you an idea of what to expect.
This sample is specifically for the Bachelor of
Business Administration (BBA) in International
Business:
Download the Sample Exam
https://drive.google.com/file/d/1OZxJJic2nhdta0Dm
uBWOyISpytN-rdTw/view?usp=sharing
Reviewing this sample will help you familiarize
yourself with the types of questions, the structure of
the exam, and the level of difficulty. Be sure to
practice under timed conditions to simulate the
actual exam experience.
2. Useful Contacts and Websites
Navigating your way through studying and living in
Finland is made easier with the following contacts
and websites:
Study in Finland: www.studyinfinland.fi
Study Info” https://opintopolku.fi/konfo/en/

Finnish Immigration Service (Migri): www.migri.fi

Information on visas, residence permits, and other
immigration matters.

TE Services: www.te-palvelut.fi
Finland’s official job search portal, useful for finding
part-time work or post-graduation employment.

KOAS (Central Finland Student Housing

Foundation): www.koas.fi
Affordable student housing options, particularly in
Jyväskylä.

Suito: www.suito.fi
Another excellent platform for finding shared
accommodation in Finland.

Swisscare: www.swisscare.com
Affordable health insurance options tailored for
international students.

Finnish Student Health Service (FSHS): www.yths.fi

Health services specifically for students in Finland.
Finnish Tax Administration: www.vero.fi
Information on taxation for students and working
professionals in Finland.

Duolingo: www.duolingo.com
A free and fun way to start learning Finnish or
Swedish online.
3. Frequently Asked Questions (FAQs)
Q: Do I need to know Finnish to study in Finland?
A: While many degree programs in Finland are
offered in English, learning Finnish can greatly
enhance your experience and integration into
Finnish society. It’s particularly useful if you plan to
work during or after your studies.

Q: How much does it cost to live in Finland as a

student?
A: The average monthly cost of living for a student in
Finland is between €700 and €1,200, depending on
the city and your lifestyle. This includes
accommodation, food, transportation, and personal
expenses.
Q: Can I work while studying in Finland?
A: Yes, international students are allowed to work up
to 25 hours per week during the academic term, and
full-time during holiday periods. Having a part-time
job can help cover living expenses.

Q: How do I apply for a student residence permit?

A: You can apply for a student residence permit
online through the Enter Finland portal. You will need
to provide proof of acceptance from a Finnish
university, proof of financial means, and health
insurance.

Q: What should I do if I want to stay in Finland after

graduation?
A: After graduation, you can apply for a job-seeking
residence permit, which allows you to stay in Finland
for up to one year while you search for employment.
Once you find a job, you can then apply for an
employment-based residence permit.
Q: Is it possible to get a scholarship for studying in
Finland?
A: Yes, many Finnish universities offer scholarships
for international students, which can cover part or all
of the tuition fees. It’s important to apply for
scholarships early during the admission process.

Q: What is the application process like for Finnish

universities?
A: The application process typically involves
submitting an online application through Studyinfo.fi,
providing necessary documents (e.g., transcripts,
language proficiency test scores), and in some
cases, taking an entrance exam or attending an
interview.