Instructions for tuition fee payment

Tuition fees at Xamk (academic year 2024-2025):
  • Bachelor’s degrees 10 700 euros / academic year
  • Master’s degrees 13 500 euros / academic year

The tuition fee for one academic year is paid in one instalment, it is generally not possible to pay the fee in parts.

Tuition fee for degree programmes beginning in January

For the degree programmes beginning in January, the fee is paid for the first semester separately (50% of the full fee), after which the academic year timeline (full fee, 2 semesters) is followed.

Information on this website:

Payment options

Select your payment option

There are two alternative ways to pay the tuition fee:

  1. Electronic payment
    • Online payment from a Finnish bank account or payment by credit cards: VISA, MasterCard or American Express
    • Note the separate links for full price and the Early Bird price.
    • Electronic payments are received at Xamk within 1 working day from the payment.
  2.  Invoice
    • Order the invoice to receive the details you need for paying tuition fee by bank transfer.
    • Order the invoice only if you are sure you will not pay electronically.
    • Payments by invoice received at Xamk within 2-6 working days, depending on the country.

Your student status as an attending student is automatically registered after Xamk has received your payment.

Select the payment option you want to use from the menu below, and find links for the electronic payment and for the invoice order.

Electronic payment (full price)

Pay your tuition fee in full by selecting your programme from the list below.

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Electronic payment with Early Bird scholarship

Pay your tuition fee with Early Bird scholarship by selecting your programme from the list below.

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Please check your offer of admission for information on the availability of the Early Bird scholarship and the exact deadlines for it.

Invoice (bank transfer)

If you are not able to pay the tuition fee electronically, order an invoice for paying the fee through this link.  

The invoice includes the details you need for paying tuition fee by bank transfer.

The invoice will be sent by email as soon as possible but within one week from sending the order at the latest. Note: orders are processed during weekdays, excluding public holidays.

Refund policy

Refund policy

The paid tuition fee can be refunded to new students in the following cases only: 

  • Residence permit for the studies arranged on campus is not granted. Please note that the fee cannot be refunded if the student withdraws the residence permit application.
  • The enrolment status is changed to non-attendant after paying the fee but before the enrolment deadline (spring applications: 11 July 2024).
Programme-specific instructions, programmes beginning in August 2024
  • Digital International Business/Kouvola: The studies are delivered in-class on Kouvola campus. It is not possible to begin the studies online. All students must be present on campus by 9 September 2024. The next possibility to start studies after that will be in January 2025 with a new group.
    • If you are not able to join the studies on campus by 9 September 2024, the tuition fee paid will be automatically transferred to the spring semester 2025 and autumn semester 2025.
    • You can ask for a refund on the paid tuition fee if you receive a negative residence permit decision.
  • Game Design/Kouvola, Information Technology/Mikkeli, Nursing/Kotka, Nursing/Savonlinna
    • The studies are delivered in-class on the relevant Xamk campus. It is not possible to begin the studies online. All students must be present on campus by 9 September 2024. The next possibility to start studies after that will be in August 2025 with a new group.
      • If you are not able to join the studies on campus by 9 September 2024, the paid tuition fee for academic year 2024-2025 will be automatically transferred to the academic year 2025-2026.
      • You can ask for a refund on the paid tuition fee if you receive a negative residence permit decision.

Scholarships

Early Bird scholarship

The Early Bird scholarship is a 10% discount on the tuition fee of the first study year at Xamk.

You can get the Early Bird scholarship if you:

  • accept the offer of admission within one week (7 days) from the admission and
  • pay the tuition fee with 10% discount within three weeks (21 days) from the admission.

In order to qualify for the scholarship, you must follow the deadlines given in the offer of admission.

If you do not follow the given deadlines, you will lose the scholarship. You can still enrol for the studies by paying the full tuition fee

  • 10 700 euro / 13 500 euros by 11 July 2024 (fee for two semesters)

Check your offer of admission for information on the availability of the Early Bird scholarship and the exact deadlines for it.

Scholarships during the studies

Scholarship based on study progress

During the studies, you can apply for a scholarship at the end of each study year and get a 20% discount on the following year’s tuition fee by progressing in the studies well.

Sufficient progress for the scholarship means completing 55 ECTS credits during the academic year, except in the degree programmes beginning in January where you need 27 ECTS credits from the first semester to qualify for the scholarship. Studies (credits) completed during the academic year are considered in the scholarship.

You are offered at least 60 ECTS credits of studies per academic year (1 August – 31 July), or 30 ECTS credits per academic semester (1 August – 31 December, 1 January – 31 July).

Xamk award

To encourage to be part of the Finnish society, students who qualify for the scholarship based on study progress, can raise their discount on the following year’s tuition fee to up to 35% by being active in their local community.

During your studies you can perform various activities, such as being part of a locally operating association as a hobby instructor or part of a hobby group, voluntary work, Talent Boost (your local support network for finding opportunities in Finland) events, community activities, student union activities, and regular work.

More information on the Xamk award criteria

Scholarship based on Finnish language and culture studies

Additional deductions for the following academic year’s tuition fee are available also for studies you complete in Finnish language and culture. If you qualify for the scholarship based on study progress, you can also apply for scholarship based on the Finnish language and culture studies (studies completed during the academic year in question).

Instructions for continuing students are available on Lux intranet.

You apply for the scholarship based on study progress, Xamk award and scholarship based on Finnish language studies with one application. The scholarship application must be submitted by 31 July 2025.

Tuition fee and scholarship timetable

Tuition fee is to be paid annually before the studies begin / at the beginning of the academic year:

  • for the 1st study year or 1st study semester by the deadline given in the offer of admission
  • for other study years by 31 August.

The scholarship application is submitted annually at the end of each academic year. Application for all parts of the scholarship system included in the same time application. The application must be submitted by 31 July at the latest but can be submitted earlier, if the required total credit amount and relevant Finnish language studies have been registered, and all Xamk award activities to be included in the application have been documented.

Examples on the fee and scholarship timetable

Studies beginning in August 2024

When you have gained admission for the academic year 2024-2025:

  1. You pay the tuition fee with Early Bird scholarship by the deadline given in the offer of admission (9 630 euros, Bachelor / 12 150 euros, Master) or you pay the full tuition fee (10 700 euros, Bachelor / 13 500 euros, Master) by 11 July 2024. The tuition fee covers two semesters of studies (August 2024 – July 2025).
  2. Apply for the scholarships based on studies and activities completed during the academic year 2024-2025 with one application by 31 July 2025 at the latest. You can apply for the scholarship already earlier if the required credit amount (55 credits or more) and relevant Finnish language studies have been registered, and all Xamk award activities to be included in the application have been documented.
  3. You are informed the tuition fee to be paid for the academic year 2025-2026 in the scholarship decision. The amount to be paid depends on the scholarships granted to you. The scholarship decision is made by 15 August 2025.
  4. You must pay the tuition fee for the academic year 2025-2026 by 31 August 2025.

Examples on tuition fees for other study years, based on granted scholarships:

    • If you are granted the scholarship based on study progress (20% discount), you pay: 8 560 euros, Bachelor / 10 800 euros, Master
    • If you are granted the scholarship based on study progress and 10 points for the Xamk award (25% discount), you pay: 8 025 euros, Bachelor / 10 125 euros, Master
    • If you are granted the scholarship based on study progress, 20 points for the Xamk award (30% discount) and you have completed 10 credits of Finnish language studies during the year (200 euros / 5 cr), you pay: 7 090 euros, Bachelor / 9 050 euros, Master

 

Studies beginning in January 2025

When you have gained admission for the spring semester 2025:

  1. You pay the tuition fee with Early Bird scholarship by the deadline given in the offer of admission (4 815 euros, Bachelor / 6 075 euros, Master) or you pay the full tuition fee (5 350 euros, Bachelor / 6 750 euros, Master) by 28 November 2024. The tuition fee covers one semester of studies (January – July 2025).
  2. Apply for the scholarships based on studies and activities completed during the spring semester 2025 with one application by 31 July 2025 at the latest. You can apply for the scholarship already earlier if the required total credit amount (27 credits or more) and relevant Finnish language studies have been registered, and all Xamk award activities to be included in the application have been documented.
  3. You are informed the tuition fee to be paid for the academic year 2025-2026 in the scholarship decision. The amount to be paid depends on the scholarships granted to you. The scholarship decision is made by 15 August 2025.
  4. You must pay the tuition fee for the academic year 2025-2026 by 31 August 2025.

Examples on tuition fees for other study years, based on granted scholarships:

    • If you are granted the scholarship based on study progress (20% discount), you pay: 8 560 euros, Bachelor / 10 800 euros, Master
    • If you are granted the scholarship based on study progress and 6 points for the Xamk award (25% discount), you pay: 8 025 euros, Bachelor / 10 125 euros, Master
    • If you are granted the scholarship based on study progress, 8 points for the Xamk award (30% discount) and you have completed 5 credits of Finnish language studies during the semester (200 euros / 5 cr), you pay: 7 290 euros, Bachelor / 9 250 euros, Master

New Student's instructions

Check all the instructions for new degree students at Xamk.

Tuition fees

Read more detailed information on Xamk tuition fee and scholarship policy.