Finances

 

If you are a citizen of Sweden or another EU/EEA country (or Switzerland), you do not pay tuition fees for higher education in Sweden. However, this does not mean that student life is free. You will still need to cover costs such as course literature, materials, and equipment required for your studies.

In addition, you have living expenses such as rent, food, transportation, leisure activities, and other daily costs. Many students also find that social activities, such as eating out or joining events with friends, can become more limited due to a tight budget.

As in most countries, the cost of living in Sweden varies depending on your lifestyle and where you live. Larger cities, such as Stockholm, Gothenburg, and Malmö, generally have higher living costs than smaller towns and rural areas.

Finding it difficult to make your money last?  

There are many ways to stretch your student budget. Small changes can make a big difference over time. For example, avoid eating out too often, buy second‑hand course literature, and compare prices for broadband, electricity, and phone contracts.

Creating a monthly budget can also be very helpful. By categorising your expenses, you gain an overview of how your money is spent and can identify areas where you may be able to reduce costs. Several Swedish banks and student organisations offer free online budgeting tools and apps.

Useful information about combining work and studies 

Many students choose to work part‑time while studying to strengthen their finances. Working can also provide valuable skills and experience for your future career. However, it is important to remember that you are primarily a student. Combining work with academic demands can be challenging, especially during exam periods.

If you decide to work, make sure that fair contractual conditions apply. Your employer should pay a salary comparable to what Swedish employees receive, and your working hours should comply with relevant employment regulations and collective agreements. If you are unsure about your rights, labour unions can offer guidance.

How to make your money last longer

Here are some ideas for student life in Sweden: 

• Cook at home and bring your own lunch and snacks to campus.  
• Buy a second-hand bike and cycle as much as possible.  
• Buy second-hand clothes, furniture and household items.  
• Borrow textbooks from the library instead of buying or share the cost with other students on your courses. 
• Sign up for a student discount card and look for student discounts. Discounts are available in several restaurants and shops as well as for public transport, insurance, gym memberships, phone subscriptions and other things. 

 

Last updated: 2026-03-10