Hard Truths About Germany “Free education” is not free for foreign students Blocked accounts, insurance, rent, and inflation cost ₹15

“Free education” is not free for foreign students

Tuition may be zero — survival is not
Public universities often charge little or no tuition, but living costs are fully on the student.
Blocked account = upfront financial barrier
The mandatory Sperrkonto alone ties up €11,208+ per year (and rising), even before arrival.
Health insurance is non-negotiable
Public or private insurance costs €120–€140/month, regardless of income or part-time work.
Housing crisis hits students hardest
Student dorms are limited. Private rents in cities like Munich, Frankfurt, Berlin, or Hamburg are €450–€800/month, often higher for international students.
Inflation erodes the “budget Germany” myth
Food, transport, utilities, and deposits have climbed sharply since 2022 — estimates made by agents are often outdated.
Part-time work ≠ financial safety net
Legal limits (120 full days / 240 half days) + language barriers mean jobs are neither guaranteed nor sufficient in the first year.

Reality check:

For Indian students, Germany typically costs ₹15–20 lakh+ per year, even with “free” tuition.

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