All non EU/EEA citizen students registered as present (= attending the studies) must pay the tuition fee. The tuition fee is paid also for the periods the student is on exchange or practical training (ie. registered as present). The tuition fee must be paid for all semesters and academic years for which the student has registered as present/attending, including any extension periods.

• New students pay the tuition fee at the time of confirming the study place. The fee must be paid at once and cannot be paid in installments. The tuition fee is paid fully eventhough the student enrolls as non-attending (absent) for the first year. 
• Continuing students must pay the annual tuition fee on May (students who started on autumn semester) / November (students who started on the spring semester) according to given instructions. It is not possible to pay the tuition fee in installments.
• Tuition fee is paid in KAMK onlineshop.

If the student does not pay for the tuition fee within the given deadlines, he/she will lose the study right. The study right can be restored by submitting an application to restore the study right if study right is still left and paying the application handling fee 50 euros and tuition fee.

First year scholarship for Bachelor's Degree

An Early Bird -scholarship is available for applicants from joint application who accept the study place and pay their tuition fee within two weeks (14 days) from the notice of admission.

For students starting their studies before 31 December 2023:
The Early Bird scholarship covers 50% to the tuition fee and is directly used to reduce the tuition fee, ie. the student pays 3 000 euros as the tuition fee for the first study year.

For students starting their studies after 1 January 2024: 

The Early Bird scholarship covers 2 000 euros of the full tuition fee and is directly used to reduce the tuition fee, ie. the student pays 5 000 euros as the tuition fee for the first study year.

First year scholarship for Master's Degree

Early Bird scholarship covers 2 000 euros of the full tuition fee for those accepting their study place and paying their tuition fee within 14 days from the notice of admissions. Early Bird -scholarship is available only for students accepted from the joint application. The payment for the first year is done at KAMK onlineshop the same time when accepted student confirms his/her study place at KAMK. It is not possible to pay in installments.

Scholarship applies only to the tuition-fee paying students and are allocated by application only. It will only be possible to receive the scholarship for the standard study period of 3,5 academic years in the Bachelor degrees.

The scholarship system rewards the students for good progress in the studies. The students will be able to apply for a scholarship that provides a discount of 3 000 euros to the tuition fee from their second year onward, provided that they accomplish a minimum of 55 credits per academic year on Bachelor level. The studies affecting the following year’s scholarship must be completed within the previous academic year (between 1.8. – 31.7.). Accredited credits from previous education will not be considered as part of the completed studies.

The Bachelor's Degree students can apply for a scholarship based on a Finnish language level test completed during the academic year. The accepted test is the National certificate of language proficiency (YKI), intermediate level or higher. In case the student has passed the test earlier, he/she must pass a higher level to be eligible for the scholarship.
The scholarship is worth 3 000 euros and it is directly used to reduce the tuition fee. The student can only receive the scholarship based on Finnish language once during his/her studies.

It is possible to receive the scholarship both for the Finnish language and for progress in the studies (completing 55 credits per year) on the same year. 

The students apply for the scholarship in May yearly with a separate application. The scholarship will be reduced from the following year’s tuition fee.

First year students who are required to pay the tuition fee can have Early Bird scholarship by accepting their study place and paying their tuition fee within 14 days from the notice of admission.

For the second year onward, the students apply for the scholarship in May yearly in KAMK intra with a separate application. By 31 May, students must pay 50% of the next year's tuition fee, apply for scholarship and enroll their attendance. In September, student's credits will be reviewed and if the student has completed 55 credits or more, the scholarship is granted and he/she does not have to pay the rest of the tuition fee. If the student hasn't completed required amount of credits (55 cr), he/she has to pay the rest of the tuition fee by 15 September. Please note that the credits are counted cumulatively, ie. 55 credits after the first year, 110 credits after the second year etc. Accredited credits from previous education will not be considered as part of the completed studies.

Note: If the student is found guilty of plagiarism in his/her studies at the university, he/she cannot be awarded the scholarship for the following year.

The tuition fee does not apply to persons who are citizens of EU/EEA countries or Switzerland, have a long-term residence permit in Finland for other purposes than studying or have been granted an EU Blue Card in Finland or started their studies before 1 August 2017. See more detailed information at Study Info.

In order to be exempted from paying tuition fees, please provide the appropriate proof to the KAMK Study Office by 30 April.
If you receive one of the documents mentioned above at any point of the admission process, please forward the documents to KAMK study office immediately.

All non-EU/EEA citizens selected for KAMK English-taught studies leading to a Finnish higher education degree must agree on a KAMK student agreement. The acceptance of the terms and conditions is done in StudyInfo when accepting the study place.
The KAMK Student Agreement applies to students who will start their studies after 1.1.2023.

The agreement applies to Kajaani University of Applied Sciences' tuition fees and scholarships and defines the rights and obligations of all parties and the terms under which a student may receive a scholarship for their studies in the degree programme.

The Student Agreement can be read in whole from KAMK website.

Bachelor's Degrees

It is possible to refund the tuition fee payment in case the residence permit application is declined. The refund is made only within the same semester when the student is selected to study.
In case the applicant has withdrawn the residence permit application or any way interrupted the residence permit process or forced Immigration Service (MIGRI) to abort the application process, he/she is not able to apply for the tuition fee refund.

Please note, the applicant has to be able to prove that he/she has applied for the residence permit as soon as possible after receiving the admission notice and paying the tuition fee as instructed. The residence permit needs to be applied within 14 days from notification of admission.

In case of negative residence permit decision, the refund can be made based on written application by applicant and the requests are processed case by case. The application must include the negative decision from the Immigration Service MIGRI. Administration fee of 250 euros is deducted from the refund. If the applicant does not submit the negative residence permit decision within the first semester, the tuition fee is no longer returned.

If the student does not receive the residence permit decision within the academic year he/she was admitted, it is possible to restore the study right once for the following academic year. 

The effect of remote studies

Bachelor students who have started their studies in distance learning mode and wish to withdraw after receiving a negative decision, 50% of the tuition fee may be refunded. The negative decision from MIGRI and the notice of resignation must be submitted to KAMK by then end of the first semester at the latest.

The paid fee will not be returned if the student resigns from his/her studies during the academic year. The tuition fee will not be refunded in case the studies have been offered online/in distance learning mode.

Master's Degrees

It is possible to refund the tuition fee payment in case the residence permit application is declined for Master's Degree in Global Business Management student. The refund is made only within the same semester when the student is selected to study.
In case the applicant has withdrawn the residence permit application or any way interrupted the residence permit process or forced Immigration Service (MIGRI) to abort the application process, he/she is not able to apply for the tuition fee refund.

Please note, the applicant has to be able to prove that he/she has applied for the residence permit as soon as possible after receiving the admission notice and paying the tuition fee as instructed. The residence permit needs to be applied within 14 days from notification of admission.

In case of negative residence permit decision, the refund can be made based on written application by applicant and the requests are processed case by case. The application must include the negative decision from the Immigration Service MIGRI. Administration fee of 250 euros is deducted from the refund. If the applicant does not submit the negative residence permit decision within the first semester, the tuition fee is no longer returned.

If the student does not receive the residence permit decision within the semester he/she was admitted, it is possible to restore the study right once for the following academic year.

The paid fee will not be returned if the student resigns from his/her studies during the academic year.

The effect of remote studies

Students of Master's Degree in Global Business Management who have started their studies in distance learning mode and wish to withdraw after receiving a negative decision, 50% of the tuition fee may be refunded. The negative decision from MIGRI and the notice of resignation must be submitted to KAMK by then end of the first semester at the latest. Administration fee of 250 euros is deducted from the refund.

There is no refund for Master's Degree in International Business Management students since the studies are done fully online. 

In addition to the tuition fee, the students must pay for their study materials and their own living costs. The average monthly living expenses for a student living in Finland are approximately 700 – 900 euros. This may vary depending on personal circumstances.

Finding a job in Finland can be difficult and time-consuming if you do not speak Finnish. Do not count on finding a job immediately but be prepared to support yourself throughout the studies without working. 

When applying for a residence permit in Finland, non-EU/EEA nationals need to apply for residence permit to Finland and demonstrate on their application that they have at least 560 euros per month at their disposal in addition to the tuition fee. Read more from Finnish Immigration Service's website.