Living as an international student is an exciting and enriching experience. Apart from receiving quality education abroad, you will also be exposed to different cultures and broaden your global perspective. However, before deciding to pursue education overseas, it is essential to consider the cost of living in your destination country. This article will discuss living expenses for international students in several popular countries around the world.
Studying abroad offers a unique opportunity to immerse yourself in new academic environments and diverse cultures, but financial planning is crucial to ensure a smooth experience. For Indonesian students, understanding the cost of living in potential study destinations is vital to avoid financial strain. Factors such as accommodation, food, transportation, and daily necessities vary significantly by country and city, impacting your overall budget. By researching these costs in advance, you can make informed decisions about scholarships, part-time work, or budgeting strategies to support your academic journey.
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Living Costs in the United States
International students frequently choose to study in the US. The cost of living in the US varies depending on the university’s location and desired lifestyle. On average, international students can spend around $15,000 to $40,000 per year on living expenses, including accommodation, food, transportation, books, and entertainment. Some cities, like New York and San Francisco, are more expensive compared to other cities in the US.
The United States is a top destination for international students due to its world-class universities and diverse academic programs. However, the cost of living can be a significant factor, especially in metropolitan areas. For example, living in New York City or San Francisco often requires a higher budget due to expensive rent and dining costs, while smaller cities like Austin or Raleigh may offer more affordable options. To manage expenses, consider sharing an apartment with roommates, cooking meals at home, and using student discounts for transportation and entertainment. Additionally, exploring part-time job opportunities on campus, such as library or research assistant roles, can help offset costs while adhering to visa regulations.
For Indonesian students, budgeting for the US requires careful planning. Researching accommodation options, such as university dormitories or off-campus housing, can save significant costs. Additionally, using public transportation or biking instead of owning a car can reduce expenses. Websites like Numbeo or university cost calculators can provide detailed insights into living costs by city, helping you plan a realistic budget before departure.
Living Costs in the United Kingdom
The UK has renowned universities that attract many international students each year. The cost of living in the UK also varies based on geographical location. In London, the cost of living tends to be higher than in other cities in the UK. International students in the UK can expect living expenses ranging from £12,000 to £25,000 per year, including accommodation, food, transportation, and daily necessities.
Studying in the UK offers access to prestigious institutions like Oxford and Cambridge, but the cost of living, especially in London, can be challenging. Cities like Manchester, Birmingham, or Glasgow often have lower living costs, making them attractive for budget-conscious students. To save money, consider living in university halls during your first year, which often include utilities and are conveniently located. Shopping at budget supermarkets like Aldi or Lidl and using a student Oyster card for discounted public transport in London can also help manage expenses. Additionally, the UK allows international students to work up to 20 hours per week during term time, providing an opportunity to earn extra income through jobs like tutoring or retail.
For Indonesian students, preparing for UK living costs involves researching regional differences and planning for seasonal expenses, such as heating in winter. Joining student societies or online forums can provide tips on affordable housing and local deals. Websites like Save the Student offer practical advice on budgeting and accessing student discounts, which can significantly reduce your overall expenses.
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Living Costs in Australia
Australia is one of the most popular countries for international students due to its friendly and diverse learning environment. Living costs in Australia vary depending on the city and lifestyle. International students in Australia can spend around AUD 20,000 to AUD 35,000 per year on living expenses, including accommodation, food, transportation, and recreation.
Australia’s vibrant cities like Sydney and Melbourne are known for their high quality of life but also higher living costs. In contrast, cities like Adelaide or Perth offer more affordable options for students. To manage expenses, consider living in shared accommodations or homestays, which are popular among international students and often more cost-effective than private rentals. Cooking traditional Indonesian meals with ingredients from local markets can save money compared to frequent dining out. Additionally, Australia’s public transport systems, such as trams and buses, offer student concessions, and many universities provide free shuttle services.
For Indonesian students, part-time work in sectors like hospitality or retail can provide extra income, as Australia allows international students to work up to 24 hours per week during study periods. Websites like Study in Australia provide cost-of-living calculators to help plan your budget, and student organizations often host events with free or discounted activities, enhancing your experience while keeping costs low.
Living Costs in Canada
Canada offers high-quality education and a safe environment for international students. Compared to other nations, Canada has a relatively low cost of living. International students in Canada can expect living expenses ranging from CAD 15,000 to CAD 30,000 per year, including accommodation, food, transportation, and other necessities.
Canada’s welcoming environment and affordable living costs make it an attractive destination for international students. Cities like Toronto and Vancouver are pricier, but smaller cities like Halifax or Winnipeg offer lower costs without compromising educational quality. To save money, consider living in university residences or co-op housing, which often include meal plans. Shopping at discount stores like Walmart or using apps like Flipp for grocery deals can further reduce expenses. Canada also allows international students to work up to 20 hours per week, with opportunities in sectors like food service or tutoring.
Indonesian students can benefit from researching provincial differences in living costs and exploring scholarships specific to Canada, such as those offered by EduCanada. Joining campus clubs or attending free community events can also help you save on entertainment while building a social network. Planning for cold winters by budgeting for warm clothing is another practical tip to ensure comfort without breaking the bank.
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Living Costs in Germany
Germany is a popular destination for international students due to its renowned universities and low education costs. In Germany, cost of living is likewise not too expensive. International students in Germany can spend around €8,000 to €15,000 per year on living expenses, including accommodation, food, transportation, and academic necessities.
Germany’s appeal lies in its tuition-free public universities and relatively affordable living costs. Cities like Berlin and Munich are more expensive, but smaller university towns like Göttingen or Freiburg offer lower costs. Student dormitories (Studentenwohnheim) are a budget-friendly option, often costing €250–€400 per month. Using discounted semester tickets for public transport and shopping at budget stores like Netto can help keep expenses down. Germany also allows international students to work up to 120 full days or 240 half days per year, providing opportunities in sectors like tutoring or internships.
For Indonesian students, learning basic German can enhance job prospects and daily interactions, potentially reducing costs through better access to local deals. Platforms like DAAD provide resources on scholarships and living costs, while student blogs offer practical tips on managing expenses in Germany. Joining university language exchange programs can also help you save on entertainment by connecting with locals.
Living Costs in New Zealand
New Zealand offers stunning natural environments and high-quality education. Living expenses in New Zealand are relatively affordable. International students in New Zealand can expect living expenses ranging from NZD 15,000 to NZD 25,000 per year, including accommodation, food, transportation, and other necessities.
New Zealand’s welcoming culture and scenic beauty make it a favorite for international students. Cities like Auckland are more expensive, while Dunedin and Christchurch offer more affordable living options. University halls or flatting (shared housing) can help manage accommodation costs, typically ranging from NZD 150–250 per week. Cooking at home with ingredients from local markets like Pak’nSave and using student discounts for buses or trains can further reduce expenses. New Zealand allows international students to work up to 20 hours per week, with opportunities in hospitality or agriculture.
Indonesian students can explore scholarships like those offered by Education New Zealand to offset costs. Engaging in free outdoor activities, such as hiking or visiting public beaches, can also provide low-cost entertainment. Websites like Study in New Zealand offer budgeting tools and tips for international students, helping you plan effectively for a financially sustainable study experience.
Living Costs in Singapore
Singapore is an attractive island nation for international students with a modern urban lifestyle. However, living costs in Singapore tend to be higher compared to other Asian countries. International students in Singapore can spend around SGD 20,000 to SGD 40,000 per year on living expenses.
Singapore’s reputation as a global education hub comes with higher living costs, particularly for housing and dining. On-campus hostels or shared HDB flats can help manage accommodation expenses, costing SGD 400–800 per month. Eating at hawker centres, which offer affordable and delicious meals, is a great way to save compared to restaurant dining. Public transport, like the MRT and buses, is efficient and offers student concessions. Singapore’s strict regulations limit part-time work for international students, so securing scholarships or financial aid is crucial.
For Indonesian students, Singapore’s proximity makes it an appealing choice, but budgeting is essential. Platforms like the Singapore Ministry of Education website provide scholarship information, while student forums offer tips on affordable living. Joining free cultural events or exploring public spaces like Gardens by the Bay can provide low-cost entertainment options while studying in this vibrant city-state.
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Living Costs in France
France offers a rich lifestyle of arts, culture, and history for international students. Living expenses in France vary based on the campus location. International students in France can expect living expenses ranging from €9,000 to €16,000 per year, including accommodation, food, transportation, and recreation.
France’s cultural richness and affordable tuition at public universities make it a popular choice. Paris is notably expensive, but cities like Lyon or Toulouse offer lower living costs. University residences or shared apartments (colocation) can keep housing costs between €300–600 per month. Eating at university cafeterias, which offer subsidized meals, and shopping at local markets can help manage food expenses. France allows international students to work up to 20 hours per week, with opportunities in sectors like tourism or teaching.
Indonesian students can explore scholarships like the Eiffel Excellence Scholarship to reduce financial burdens. Learning basic French can improve job prospects and daily interactions, while platforms like Campus France provide detailed cost-of-living guides. Participating in free cultural events, such as museum open days, can enrich your experience without straining your budget.
Living Costs in Netherlands
The Netherlands is a friendly and innovative country, attracting many international students. Living costs in the Netherlands vary based on the city. International students in the Netherlands can spend around €10,000 to €18,000 per year on living expenses, including accommodation, food, transportation, and daily needs.
The Netherlands is known for its high-quality education and bike-friendly cities, making it a great choice for international students. Amsterdam is the most expensive city, while Utrecht or Groningen offer more affordable options. Student housing through organizations like DUWO can cost €350–700 per month. Using a bike for daily commuting and shopping at budget supermarkets like Albert Heijn can significantly reduce costs. The Netherlands allows international students to work up to 16 hours per week, with opportunities in sectors like logistics or tutoring.
For Indonesian students, scholarships like the Holland Scholarship can ease financial pressures. Learning basic Dutch can enhance job opportunities and integration, while platforms like Study in Holland provide budgeting tips. Joining student associations or attending free cultural festivals can offer affordable entertainment, enriching your study experience in the Netherlands.
Living Costs in Sweden
Sweden offers high-quality higher education and a friendly environment for international students. However, living costs in Sweden tend to be high. International students in Sweden can spend around SEK 90,000 to SEK 150,000 per year on living expenses, including accommodation, food, transportation, and other necessities.
Sweden’s innovative education system and high living standards make it appealing, but costs in cities like Stockholm can be steep. Smaller cities like Uppsala or Lund offer more affordable living. Student housing through organizations like AF Bostäder costs SEK 4,000–7,000 per month. Cooking at home and using discounted public transport passes can help manage expenses. Sweden allows international students to work without hour restrictions, though proficiency in Swedish may be required for some jobs.
Indonesian students can explore scholarships like the Swedish Institute Scholarships for Global Professionals. Learning basic Swedish can improve job prospects and social integration. Websites like Study in Sweden provide detailed cost-of-living guides, and participating in free university events or outdoor activities like hiking can offer budget-friendly entertainment options.
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Living Costs in Japan
Japan has a unique and fascinating culture for international students. Living expenses in Japan vary depending on the campus location. International students in Japan can spend around ¥1,000,000 to ¥2,000,000 per year on living expenses, including accommodation, food, transportation, and academic necessities.
Japan’s blend of tradition and modernity makes it an exciting destination, but living costs in cities like Tokyo can be high. Smaller cities like Kyoto or Fukuoka offer more affordable options. Student dormitories or shared apartments cost ¥50,000–100,000 per month. Eating at convenience stores like 7-Eleven or cooking at home can save money compared to dining out. Japan’s efficient public transport system offers student discounts, and international students can work up to 28 hours per week in jobs like teaching or retail.
For Indonesian students, scholarships like the MEXT Scholarship can significantly reduce costs. Learning basic Japanese is essential for part-time work and daily life. Platforms like Study in Japan provide budgeting tips, and joining cultural clubs can offer affordable ways to explore Japan’s rich heritage while studying.
Living Costs in South Korea
South Korea offers advanced technology and a rich culture for international students. Living costs in South Korea vary depending on the university location. International students in South Korea can spend around KRW 10,000,000 to KRW 20,000,000 per year on living expenses.
South Korea’s dynamic culture and top universities like Seoul National University attract many students. Seoul is expensive, but cities like Busan or Daejeon are more affordable. University dormitories or goshiwon (small private rooms) cost KRW 300,000–600,000 per month. Eating at local restaurants or university canteens and using public transport with a T-money card can keep costs low. South Korea allows international students to work up to 20 hours per week, with opportunities in tutoring or cafes.
Indonesian students can explore scholarships like the Global Korea Scholarship. Learning basic Korean can improve job prospects and cultural integration. Websites like Study in Korea provide cost-of-living guides, and participating in free cultural events like K-pop festivals or temple visits can offer budget-friendly entertainment.
Living Costs in China
China has a rich history and rapid economic development. Living expenses in China vary based on the city. International students in China can spend around ¥20,000 to ¥40,000 per year on living expenses, including accommodation, food, transportation, and daily needs.
China’s affordability and growing academic reputation make it a compelling choice. Cities like Beijing and Shanghai are pricier, but second-tier cities like Chengdu or Nanjing offer lower costs. On-campus dormitories cost ¥1,000–3,000 per month, and eating at university canteens or local street food stalls is budget-friendly. China’s public transport is inexpensive, with student discounts available. International students can work part-time with restrictions, often in teaching or internships.
For Indonesian students, scholarships like the Chinese Government Scholarship can reduce costs. Learning basic Mandarin can enhance job opportunities and daily interactions. Platforms like Study in China offer budgeting resources, and exploring free cultural sites like temples or parks can provide affordable entertainment while studying in China.
Choosing to pursue education abroad is a significant decision that involves many considerations, including living expenses. Each country offers a unique experience and different living costs. It is essential to plan carefully and budget wisely before deciding on your study destination.
To make an informed decision, create a detailed comparison of living costs across your target countries, factoring in tuition, scholarships, and part-time work opportunities. Use online tools like cost-of-living calculators and connect with current international students through forums or social media groups to gain real-world insights. By planning ahead, you can ensure a financially sustainable and rewarding study abroad experience.
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Cost-Saving Strategies While Studying Abroad
If you are intending to study abroad, you may be curious about how to save money in a foreign country. Here are eight effective financial management strategies for international students:
Managing finances effectively is key to a stress-free study abroad experience. These strategies are designed to help Indonesian students stretch their budgets while enjoying the cultural and academic benefits of studying overseas. From securing affordable housing to leveraging student discounts, these tips can make a significant difference in your financial planning.
Insurance coverage
Although insurance may not be a particularly interesting topic, it is essential for saving money while studying abroad. Travel insurance designed expressly for students can save your life if you lose your laptop or incur unanticipated medical expenses. Thanks to price comparison websites, comprehensive insurance plans are frequently more affordable than you might expect. Don’t neglect to investigate international student health insurance options.
Health and travel insurance protect against unexpected costs, such as medical emergencies or lost belongings, which can be significant abroad. For Indonesian students, researching insurance providers that offer student-specific plans, such as those through university partnerships or platforms like InsuranceMarket, can save money. Compare policies to ensure coverage for medical care, travel disruptions, and personal belongings, and check if your university offers group insurance plans for added savings.
Living quarters
If your institution does not provide housing, you should seek assistance from the university’s housing officers in locating affordable accommodations. Numerous universities offer residence halls, which are typically accessible to students. If you prefer a less “studenty” atmosphere or are only staying for a brief period of time, consider hostels or bed & breakfasts, which can be more affordable than standard hotels.
Housing is often the largest expense for international students. University dormitories are typically the most affordable and convenient option, often including utilities and internet. For Indonesian students, exploring shared apartments or homestays can provide cultural immersion and cost savings. Websites like Uniplaces or local student housing platforms can help find budget-friendly options. Always check lease terms and proximity to campus to balance cost and convenience.
Bargaining & Shopping Wisely
When money is limited, you should not hesitate to request discounts or negotiate prices. The potential for considerable savings through student discounts, which can be as high as 20% on certain purchases, is overlooked by many students. Additionally, online browsing can result in substantial savings, particularly when purchasing used books or selling one’s own items on sites such as eBay and Amazon.
Leveraging student discounts is a smart way to save on everything from electronics to clothing. For Indonesian students, carrying an International Student Identity Card (ISIC) can unlock discounts worldwide. Shopping at second-hand bookstores or online platforms like BookFinder for textbooks can cut costs significantly. Additionally, selling unused items or participating in campus swap events can generate extra income while decluttering.
Currency Rates
If you’re in a country with a different currency, research the most cost-effective ways to handle currency exchange. Frequently, banks assess fees for cash withdrawals from foreign ATMs. Consider the use of traveler’s checks for the safe management of larger sums, or investigate the possibility of opening a local bank account to avoid exchange rate complications. Being knowledgeable about exchange rates can save you an average of $500 per year.
Managing currency exchange is critical for Indonesian students to avoid losing money on fees. Use digital platforms like Wise or Revolut for low-cost transfers and withdrawals. Opening a local bank account can also minimize fees and provide better exchange rates. Monitor exchange rate trends using apps like XE Currency to time your transfers wisely, ensuring you maximize your funds while studying abroad.
The Transport
While flying between countries may seem like the quickest option, trains and buses are becoming more efficient and affordable for international travel. Different nations have numerous service providers, so comparison shop for the best deals. You may discover that traveling between cities by train or bus is less expensive than dining at your preferred restaurant.
Public transportation is often the most cost-effective way to travel within a country. For Indonesian students, using student discount cards for buses, trains, or subways can save significant amounts. In cities with bike-sharing programs, like Amsterdam or Melbourne, cycling can reduce transport costs to nearly zero. Websites like Rome2rio can help compare travel options, ensuring you choose the most affordable routes for both local and regional travel.
Reduce cellular costs
Maintaining contact with friends and family while studying abroad is crucial, but mobile phone calls and texts can be costly. Consider utilizing complimentary services such as Skype to communicate with family members. Skype also offers competitive rates for calling foreign mobiles and landlines, which can lead to significant savings during your time abroad.
Staying connected without breaking the bank is essential for Indonesian students. Apps like WhatsApp, Zoom, or Line offer free voice and video calls over Wi-Fi, reducing reliance on expensive mobile plans. Purchasing a local SIM card with student-friendly data plans can also save money. Check with local providers or university international offices for recommendations on affordable mobile plans tailored for students.
Smart Food Choices
Food is a necessity, but it doesn’t mean you can’t save money on it. Avoid convenience foods like ready-made meals, which may seem like a good deal but aren’t. Buying items in bulk, like rice, potatoes, and pasta, can reduce costs. Use these staple ingredients to bulk up your meals instead of relying heavily on meat. Dining at restaurants and fast-food chains should be occasional treats, saved for special occasions or visits from friends.
Food expenses can add up quickly, but smart choices can keep costs low. For Indonesian students, cooking familiar dishes like nasi goreng using local ingredients can be both comforting and economical. Joining campus cooking clubs or meal-prepping with friends can make grocery shopping more cost-effective. Apps like Too Good To Go, available in some countries, offer discounted surplus food from restaurants, providing an affordable dining option.
Budgeting
Last but certainly not least, effective budgeting is essential. You won’t know if you’re saving money unless you track your expenses. Start with a generous budget, and once you’re comfortable sticking to it, identify areas where you can cut back further. If you have money left over at the end of the week, consider treating yourself. Save diligently during the week and reward yourself on weekends.
Creating a detailed budget is the cornerstone of financial management abroad. Use apps like YNAB (You Need A Budget) or Excel to track expenses across categories like housing, food, and transport. For Indonesian students, setting aside funds for unexpected costs, such as visa renewals or emergency travel, is crucial. Regularly reviewing your budget and adjusting based on actual spending can help you stay on track and enjoy your study abroad experience without financial stress.
By following these strategies, you can make the most of your financial resources while studying abroad and ensure a memorable and financially responsible experience.
Implementing these cost-saving strategies requires discipline but can significantly enhance your study abroad experience. For Indonesian students, connecting with local Indonesian student associations abroad can provide additional tips and support for managing finances. Combining these strategies with scholarships and part-time work can ensure you enjoy both the academic and cultural aspects of studying abroad without financial worry.
FAQs (Frequently Asked Questions)
How can international students reduce living expenses?
International students can search for scholarships or financial aid from universities or other institutions.
Beyond scholarships, students can reduce expenses by sharing accommodations, using public transport, and cooking at home. Joining student organizations or online communities can provide access to free resources, such as textbooks or furniture, and local tips for affordable living. Regularly reviewing your budget and seeking out free cultural or university events can also help minimize costs.
What is the average living cost for international students abroad?
The average living cost varies between $10,000 to $40,000 per year, depending on the destination country.
This range depends on factors like city size, lifestyle, and currency exchange rates. For Indonesian students, countries like China or Germany may fall on the lower end, while the US or Singapore are typically more expensive. Using cost-of-living comparison tools like Numbeo can help estimate expenses accurately and plan a realistic budget tailored to your destination.
Are living costs higher in big cities compared to small towns?
Yes, living costs are generally higher in big cities due to more expensive accommodation and living expenses.
Major cities like London, Tokyo, or Sydney have higher rent and transportation costs compared to smaller towns like Halifax or Freiburg. For Indonesian students, choosing a university in a smaller city can significantly reduce expenses while still providing access to quality education. Researching regional cost differences and proximity to campus can help balance affordability and convenience.
Are international students allowed to work part-time during their study abroad?
In many countries, international students are allowed to work part-time during their study period with a special work permit.
Countries like Australia, Canada, and Germany allow part-time work, typically 20–28 hours per week, depending on visa regulations. For Indonesian students, jobs like tutoring, retail, or campus roles can provide income. Check with your university’s international office for work permit requirements and local job boards like Indeed or LinkedIn for opportunities suited to students.
How to plan a financial budget for studying abroad?
Create a detailed list of estimated living expenses and develop a budget plan to manage finances wisely.
Start by listing fixed costs like rent and tuition, then estimate variable costs like food and transport. Use budgeting apps or templates from university websites to track spending. For Indonesian students, setting aside a contingency fund for unexpected expenses and consulting with study abroad advisors can ensure a robust financial plan. Regularly updating your budget based on actual expenses will help maintain financial discipline throughout your studies.
