For many low-income students in India, the dream of a fully funded international education often hits a snag with one pressing question—“Where will I stay?”
Even when they secure 100% tuition scholarships, the soaring cost of living abroad can make higher education feel like an unattainable goal.
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Numerous students have shared that expenses like accommodation, health insurance, and daily living costs are seldom included in undergraduate scholarships. In places like the U.S. and U.K., living expenses can soar to between $15,000 and $20,000 a year, leading many to turn down offers that once seemed life-changing.
This challenge is particularly tough for those who face repeated visa rejections, preventing them from applying to U.S. universities. With the U.S. known for its generous financial aid, losing that option pushes students to explore alternatives in Europe, Southeast Asia, and the Middle East.
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However, those options aren’t exactly wide open either. Universities in countries like Singapore, Germany, Malaysia, and the UAE may offer low or even no tuition fees, but they still require proof of funds for living expenses. These costs can range from €10,000 in Germany to SGD 12,000 in Singapore—amounts that are simply out of reach for students from low-income backgrounds.
“There’s help for tuition, sure. But rent is the real killer,” said one student who was thrilled to be accepted into a prestigious European university but had to turn it down because they couldn’t afford accommodation.
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Even in cases where full scholarships are available—including housing—they are incredibly rare and typically reserved for postgraduate students. At the undergraduate level, fully funded programs are few and far between, often favoring applicants from wealthier countries or those with outstanding achievements.
Experts point out that the system still assumes some level of financial support back home, which often leaves out brilliant students who are first-generation learners or come from rural, economically disadvantaged areas.
The bigger issue lies in how we define “access.” Global education continues to champion the idea of meritocracy, but in practice, it often falls short.
