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Eligibility for financial aid
You can get financial aid for post-comprehensive school education. Student financial aid can also be granted for adult basic education.
You are eligible if
- you study on a full-time basis for at least 2 months and the total duration of your studies is at least two months
- you make sufficient academic progress and
- you are in need of financial assistance.
You can get financial aid also for studies outside Finland, if they correspond to a course of study in Finland that would qualify you for financial aid or are part of a course of study you are completing in Finland.
With this calculator you can check whether you are eligible for student financial aid and estimate the amount of the student financial aid. The calculator is available in Finnish and Swedish.
Institutions of higher education comprise universities, universities of applied sciences, the National Defence University and the Police University College. You can get financial aid in the following situations:
- You are studying for a bachelor's or master's level university degree or a post-graduate degree in a scientific field or in the arts or an advanced vocational qualification.
- You are completing a bachelor's or master's level degree at a university of applied sciences.
- You are attending studies aimed at preparing immigrants for studies at universities of applied sciences.
- You attend a separate programme of continuing vocational education.
You can get financial aid for studies in the open university or in the summer university if you have the right to pursue a degree in a higher education institution and the studies in question are part of your degree programme.
You can get financial aid also for completing a particular course or study module if you already have a degree from an institution of higher education and the studies in question would upgrade your professional competence or give you a specific qualification. Such studies include, for example, studies in library and information science aimed at qualifying as a librarian. Pedagogical education which is part of teacher training is one example of such studies.
Upper secondary education means a course of study that takes place after comprehensive school, for example in an upper secondary school, an institution of vocational education or a folk high school. You can get financial aid in the following situations:
- You attend an upper secondary school.
- You complete a basic vocational qualification or a part of such qualification.
- You complete a vocational qualification, specialist vocational qualification, or other vocational education.
- You attend preparatory education for an upper secondary qualification (TUVA).
- You attend a course of study that prepares you for work and independent living (TELMA).
- You study in a folk high school, a sports institute, Sámi Education Institute or the Snellman Academy.
If you attend an upper secondary school for adults, you can get financial aid in the following situations:
- You are entitled to free education. You are entitled to free education if you left comprehensive school in 2021 or later and were born in or after 2004.
- You are completing a double degree (upper secondary school and a basic vocational qualification)
- You attend an upper secondary school which is set up as a boarding school, such as a folk high school.
The above are the only situations in which you can get financial aid for study in an upper secondary school for adults.
If you are doing a dual degree combining a basic vocational qualification with upper secondary school for adults, submit a financial aid application for vocational education. Apply for financial aid for the upper secondary school only in the event that you have not yet completed upper secondary school when you earn the basic vocational qualification.
If you are doing a dual degree combining a basic vocational qualification with regular upper secondary school, you can apply for financial aid for either programme.
If you are completing vocational on-the-job training as part of an apprenticeship programme, and you are paid for the training, you cannot get financial aid at the same time. If you receive financial aid, tell Kela the start and end dates of the paid on-the-job training either online, by mailing an OT 16e form, or by calling Kela at 020 634 2550.
If you do it online (in Finnish or in Swedish), select Ilmoita muutoksista - Opintotuki - Opintotuen muutosimoitus - Ilmoitan muusta muutoksesta tai haen lisätukea - Omat tulot.
Financial aid is also available for specific study programmes in certain private educational institutions. Financial aid is not available for any other studies in private educational institutions. Kela also does not provide assistance for tuition fees.
You can get financial aid for students if you are in adult basic education. Financial aid is usually awarded on the same grounds as for secondary education. However, the rules regarding studies on a full-time basis differ from the rules that apply to financial aid for secondary education.
In adult primary education, you can
- complete the comprehensive school curriculum and earn a school-leaving certificate
- study individual subjects
- improve individual scores in your school-leaving certificate for primary education
- complete the first stage of adult primary education either partially or from start to finish.
Have you moved to Finland? Read more about your entitlement to social security coverage.
If you are not a Finnish citizen and have come to Finland for study purposes, the general rule is that you cannot get financial aid from Finland.
However, you may qualify for financial aid if
- you have been granted a continuous (A) or permanent (P) residence permit or an EU residence permit for third-country nationals (P-EU or P-EY) or a residence card as referred to in the withdrawal agreement between the EU and the United Kingdom.
- If you are a citizen of another EU or EEA country or of Switzerland, the family member of such a person, or a citizen of a Nordic country, you only have to register your right of residence or present your residence card.
- if you are living in Finland permanently and
- you have arrived in Finland for some other reason than to study. Such a reason can for example be employment, family ties or return migration.
Whether your residence is considered to be permanent is determined on the basis of the Municipality of Residence Act.
If you are a citizen of another EU or EEA or of Switzerland or if you are covered under the withdrawal agreement between the EU and the United Kingdom, you can get financial aid even if you have come to Finland to study.
- You can get financial aid if you are employed in Finland for at least 4 months with an average of at least 10 hours of work per week, or if you have taken out statutory pension insurance for self-employed persons. The entitlement to financial aid for students only continues for the duration of the employment.
- You are also eligible for financial aid if you have a right to permanent residence in Finland as defined in section 1, subsection 2 of the Act on Student Financial Aid.
You are also eligible for financial aid if you are a family member of a citizen of an EU or EEA country or Switzerland who works in Finland or of a British citizen who works in Finland and is covered under the withdrawal agreement between the EU and the United Kingdom.
Apply for financial aid in the same way as other students. Enclose with your application the Appendix to application for student financial aid filed by foreign resident (OT 10e), if you have not previously received financial aid in Finland.