Study Abroad

Shiksha Study Abroad provides services completely FREE OF CHARGE to students:

•     No consultation fee

•     No application fee

•     No hidden charges

•     Shiksha's revenue model is based on advertisements on their platform — universities pay for visibility

•     Services provided at NO COST include:

  - Profile evaluation

  - University shortlisting

  - Application submission to multiple universities

  - SOP and LOR guidance

  - Visa documentation support

  - Blocked account and health insurance assistance

  - Accommodation guidance

  - Pre-departure briefing

Premium services (like specialised public university applications or IELTS coaching) may have a separate fee structure

Yes, health insurance is MANDATORY for all students in Germany — it is required for:

•     University enrollment/registration

•     Student visa application

•     Living in Germany

•     Statutory (Public) Health Insurance — RECOMMENDED:

  - Providers: TK (Techniker Krankenkasse), AOK, Barmer, DAK

  - Cost: Approximately €110–120/month

  - Coverage: Doctor visits, hospital, emergency, dental basics, prescriptions

  - Students under 30: Can get subsidized rates

•     Private Health Insurance — for students above 30 or those not meeting public insurance criteria

•     Important: German statutory health insurance is globally recognised and comprehensive. You must enroll BEFORE arriving in Germany.

TK (Techniker Krankenkasse) is the most popular choice among international students.

Accommodation options in Germany for students are mentioned below-

• Student Dormitories (Studentenwohnheim): Managed by Studentenwerk (student services). the cheapest option (€200–400/month). Apply early — waiting lists can be long!
• Private Shared Apartments (WG — Wohngemeinschaft): Most common for international students. Rent: €300–600/month per room in shared flats.
• Online platforms: WG-Gesucht.de, Spotahome, HousingAnywhere, Immobilienscout24
• Private student residences: More expensive (€500–900/month) but furnished and include utilities
• University accommodation is mainly for bachelor's students; master's students typically need to find private housing

Recommendation: Start searching 3–4 months before your arrival. German housing market is competitive, especially in Berlin, Munich, and Hamburg.

Important differences between public and private German Uni are-

• Tuition Fees- Public = Free (only semester fee - €150-350). Private = €8,000-20,000 per year.
• Language: Public = Often German-medium (requires B2/C1 German). Private = Mostly English-medium.
• Admission difficulty: Public = Very competitive (strict ECTS, CGPA requirements). Private = More accessible.
• Program duration: Both typically offer 2-year master's programs.
• Reputation: Public universities (TU Munich, RWTH Aachen, LMU Munich, Heidelberg) are globally top-ranked. Private universities (SRH, IU, Gisma, Macromedia) are industry-focused.
• Recognition: Both are state-recognized and degrees are valid for German job market and PR. 

Career services: Private universities have stronger industry tie-ups and career support. 

Top German Uni for Indian students are mentioned below-

Public Universities

• TU Munich (Technical University of Munich) — Engineering, CS, Sciences
• RWTH Aachen University — Engineering, Technology
• LMU Munich (Ludwig Maximilian University) — Sciences, Business, Law
• Heidelberg University — Sciences, Medicine, Humanities
• Freie Universität Berlin — Social Sciences, Humanities

Private Universities (popular with Indian students):

• SRH University Heidelberg — Business, Computer Science, Engineering
• IU International University — Business, IT, Engineering, Healthcare
• Gisma Business School — MBA, Business programs
• Macromedia University — Media, Business, Design

EU Business School — International Business, MBA

Yes education loans are available for studying in Germany Uni-

• Major Indian banks offering education loans for Germany: SBI (Scholar Loan), HDFC Credila, Axis Bank, Bank of Baroda, IDBI Bank, Avanse, Auxilo
• Collateral vs. Non-collateral: Loans up to ₹7.5 Lacs are typically unsecured; above ₹7.5 Lacs require collateral (property, FD, insurance)
• Typical loan amount: ₹20–50 Lacs depending on university and program
• Interest rate: 9–12% per annum for Indian bank loans
• Tax benefit: Education loan interest is tax-deductible under Section 80E for 8 years
• Moratorium period: Typically course duration + 6 months grace period before EMI starts

Important: Apply for the loan early — the documentation process takes time and banks may request additional documents