For the fall 2025 semester, I chose to study at the University of Helsinki in Finland. This is my fourth time studying abroad, following previous experiences at the University of British Columbia in Vancouver, in Singapore, and in Kyoto, Japan. Each of these journeys has taught me invaluable lessons about maximizing funding and making the best of my financial situation abroad.
My first semester abroad at the University of British Columbia was a direct enrollment, meaning I applied as a non-degree visiting student without assistance from a third-party provider. This was by far my most expensive experience because I had done minimal research on critical costs. I failed to look into housing, transportation, and tuition, which is unexpectedly high for international students in Canada. Just four credits cost me nearly $7,000. At the time, my only goal was finding a university that offered a specific major course I needed to transfer, without considering the associated expenses. If you are an engineering student seeking particular credits, it’s important not to lock yourself into just “finding a school.” Find one that provides what you need while also being affordable. Although I greatly enjoyed UBC, the experience ended up costing more than my scholarship and stipend, forcing me to pay out of pocket.
My next experiences were in Kyoto and Singapore, both through CIEE, a third-party study abroad provider. Learning from my time in Canada, I made a different mistake: I prioritized my budget above all else, without fully considering the experience I was signing up for. While CIEE allowed me to study in two locations without going over budget, I hadn’t researched third-party organizers enough to realize I was being charged an excessive amount for what I received. These providers typically charge much more than local universities and may not offer the authentic cultural experience you are looking for.
My current semester at the University of Helsinki is the result of learning from my past mistakes. I spent months researching the perfect university in Europe that would provide value for my money, the credits I need to graduate, and an authentic cultural experience. By directly enrolling, I have been able to select my ideal courses while avoiding third-party provider fees. I will admit that finding the perfect university for direct enrollment is not easy. It took months of digging through university websites for information that is not readily available online, such as tuition rates for international visiting students and housing opportunities. Sometimes, this information is not even in English.
However, finding the right university can make a world of difference. For instance, the University of Helsinki grants international visiting students a tuition waiver. This provides significant cost savings and allows funds to be directed toward housing and other expenses. If you also have a tuition scholarship, you will still receive it, giving you a surplus of funds for housing or personal travel.
Ultimately, take your time when researching the right program for your study abroad experience. Do not rush into a decision. I highly encourage you to consider the direct enrollment route, which may prove to be a more affordable and rewarding option than university-sponsored or third-party study abroad programs.