{"id":2157,"date":"2026-01-08T21:21:02","date_gmt":"2026-01-08T21:21:02","guid":{"rendered":"https:\/\/kampus-group.com\/ng\/?p=2157"},"modified":"2026-01-08T21:21:05","modified_gmt":"2026-01-08T21:21:05","slug":"scholarships-that-cover-living-expenses-not-just-tuition","status":"publish","type":"post","link":"https:\/\/kampus-group.com\/ng\/scholarships-that-cover-living-expenses-not-just-tuition\/","title":{"rendered":"Scholarships That Cover Living Expenses, Not Just Tuition"},"content":{"rendered":"\n

Studying abroad can be life-changing but it can also be expensive. Many students focus on scholarships that pay tuition fees<\/strong>, but what about the costs of living<\/strong> like rent, food, travel, books, and daily expenses? Fortunately, there are high-value scholarships<\/strong> that not only cover tuition but also provide stipends or allowances<\/strong> to help you live comfortably while studying overseas.<\/p>\n\n\n\n

This post highlights top scholarship opportunities around the world that cover living costs (or a significant portion of them)<\/strong> not just tuition and how to apply for them.<\/p>\n\n\n\n

1. Fulbright Foreign Student Program (USA)<\/h1>\n\n\n\n

The Fulbright Scholarship<\/strong> is one of the most prestigious and comprehensive international scholarships.<\/p>\n\n\n\n

What It Covers<\/h3>\n\n\n\n

Tuition fees
Monthly living stipend
Travel & relocation costs
Health insurance
Books and research allowance<\/p>\n\n\n\n

Ideal for<\/h3>\n\n\n\n

Master\u2019s and PhD candidates from eligible countries including Nigeria, India, Ghana, Kenya, etc.<\/p>\n\n\n\n

Why It\u2019s Valuable<\/h3>\n\n\n\n
    \n
  • Supports living expenses robustly<\/li>\n\n\n\n
  • Great for research collaborations<\/li>\n\n\n\n
  • Recognised globally<\/li>\n<\/ul>\n\n\n\n

    Apply via your country\u2019s Fulbright Commission or U.S. Embassy EducationUSA office.<\/em><\/p>\n\n\n\n

    2. Chevening Scholarships (UK)<\/h1>\n\n\n\n

    Awarded by the UK government, Chevening<\/strong> is a fully funded international scholarship.<\/p>\n\n\n\n

    What It Covers<\/h3>\n\n\n\n

    Full tuition fees
    Monthly living allowance
    Annual travel to\/from the UK
    Arrival allowance
    Homeward departure allowance
    Study tour funding<\/p>\n\n\n\n

    Ideal for<\/h3>\n\n\n\n

    Outstanding professionals and future leaders with 2+ years\u2019 work experience.<\/p>\n\n\n\n

    Why It\u2019s Valuable<\/h3>\n\n\n\n
      \n
    • Covers a generous living stipend<\/li>\n\n\n\n
    • Access to leadership events and a global alumni network<\/li>\n<\/ul>\n\n\n\n

      Apply through the Chevening website during the annual application window (usually August\u2013November).<\/em><\/p>\n\n\n\n

      3. Vanier Canada Graduate Scholarships (Canada)<\/h1>\n\n\n\n

      For research-focused postgraduate students (PhD or sometimes combined master\u2019s\/PhD).<\/p>\n\n\n\n

      What It Covers<\/h3>\n\n\n\n

      $50,000 CAD per year for three years<\/strong>
      Living stipend
      Research support<\/p>\n\n\n\n

      Ideal for<\/h3>\n\n\n\n

      High-calibre doctoral candidates in social sciences, health sciences, engineering, natural sciences.<\/p>\n\n\n\n

      Why It\u2019s Valuable<\/h3>\n\n\n\n
        \n
      • One of Canada\u2019s most prestigious research awards<\/li>\n\n\n\n
      • Covers substantial living support on top of tuition<\/li>\n<\/ul>\n\n\n\n

        Applications are submitted through Canadian institutions \u2014 contact your chosen university for procedures.<\/em><\/p>\n\n\n\n

        4. Australia Awards Scholarships (Australia)<\/h1>\n\n\n\n

        Funded by the Australian Government, this scholarship supports students from Asia, Africa, and the Pacific.<\/p>\n\n\n\n

        What It Covers<\/h3>\n\n\n\n

        Full tuition fees
        Return airfare
        Living stipend
        Overseas student health cover (OSHC)
        Arrival and departure allowances<\/p>\n\n\n\n

        Ideal for<\/h3>\n\n\n\n

        Students from eligible developing countries pursuing undergraduate or postgraduate degrees.<\/p>\n\n\n\n

        Why It\u2019s Valuable<\/h3>\n\n\n\n
          \n
        • Designed to support full living costs<\/li>\n\n\n\n
        • Strong focus on development outcomes and skills transfer<\/li>\n<\/ul>\n\n\n\n

          Apply through the Australian Department of Foreign Affairs and Trade (DFAT) or your country\u2019s scholarship portal.<\/em><\/p>\n\n\n\n

          5. Government of Ireland International Education Scholarships (Ireland)<\/h1>\n\n\n\n

          A competitive programme for international students studying in Irish institutions.<\/p>\n\n\n\n

          What It Covers<\/h3>\n\n\n\n

          \u20ac10,000 grant (which can be used for living expenses)
          The rest of student\u2019s support depends on the university and other awards<\/p>\n\n\n\n

          Ideal for<\/h3>\n\n\n\n

          Undergraduate and postgraduate students with strong academic records.<\/p>\n\n\n\n

          Why It\u2019s Valuable<\/h3>\n\n\n\n

          While not fully funded, the grant is designed to offset living costs<\/strong> in Ireland.<\/p>\n\n\n\n

          6. New Zealand Scholarships (New Zealand)<\/h1>\n\n\n\n

          Offered by the New Zealand Government for eligible candidates.<\/p>\n\n\n\n

          What It Covers<\/h3>\n\n\n\n

          Tuition fees
          Living allowance
          Establishment allowance
          Medical insurance
          Travel costs<\/p>\n\n\n\n

          Ideal for<\/h3>\n\n\n\n

          Students from select regions including Africa, Asia, and Pacific.<\/p>\n\n\n\n

          Why It\u2019s Valuable<\/h3>\n\n\n\n
            \n
          • Living allowance supports daily needs<\/li>\n\n\n\n
          • Selections based on academic potential and development impact<\/li>\n<\/ul>\n\n\n\n

            7. Erasmus Joint Master Degrees (Europe)<\/h1>\n\n\n\n

            These are prestigious scholarships co-funded by the European Union.<\/p>\n\n\n\n

            What It Covers<\/h3>\n\n\n\n

            Tuition waiver
            Monthly living stipend (~\u20ac1,000\/month)
            Travel and installation grants<\/p>\n\n\n\n

            Ideal for<\/h3>\n\n\n\n

            Students applying to eligible Erasmus Mundus master programmes across EU countries.<\/p>\n\n\n\n

            Why It\u2019s Valuable<\/h3>\n\n\n\n
              \n
            • Covers both living and travel expenses<\/li>\n\n\n\n
            • Allows study in multiple European countries<\/strong><\/li>\n<\/ul>\n\n\n\n

              Apply through the Erasmus+ portal or the consortium running your chosen programme.<\/em><\/p>\n\n\n\n

              8. DAAD Scholarships (Germany)<\/h1>\n\n\n\n

              The German Academic Exchange Service (DAAD)<\/strong> provides generous support for international students.<\/p>\n\n\n\n

              What It Covers<\/h3>\n\n\n\n

              Monthly stipend (depending on level)
              Travel allowance
              Health insurance
              Study materials<\/p>\n\n\n\n

              Ideal for<\/h3>\n\n\n\n

              Masters and PhD candidates in STEM, arts, development, and social sciences.<\/p>\n\n\n\n

              Why It\u2019s Valuable<\/h3>\n\n\n\n
                \n
              • Health insurance plus a monthly living rate (~\u20ac850\/month)<\/li>\n\n\n\n
              • Research and study grants available<\/li>\n<\/ul>\n\n\n\n

                Apply via DAAD\u2019s official portal or through your university\u2019s international office.<\/em><\/p>\n\n\n\n

                9. Orange Knowledge Programme (Netherlands)<\/h1>\n\n\n\n

                Funded by the Dutch Government for students from selected countries.<\/p>\n\n\n\n

                What It Covers<\/h3>\n\n\n\n

                Tuition fee contribution
                Living allowance
                Travel grant
                Insurance<\/p>\n\n\n\n

                Ideal for<\/h3>\n\n\n\n

                Professionals, mid-career students, and development-focused learners.<\/p>\n\n\n\n

                Why It\u2019s Valuable<\/h3>\n\n\n\n
                  \n
                • Strong emphasis on skills development and leadership<\/strong><\/li>\n<\/ul>\n\n\n\n

                  10. Country-Specific Fully Funded Scholarships<\/h1>\n\n\n\n

                  Many countries run scholarships that include living stipends, such as:
                  South Africa \u2013 NRF (National Research Foundation) Scholarships<\/strong>
                  China \u2013 Chinese Government Scholarship (CSC)<\/strong> \u2014 includes monthly stipend + housing allowance
                  Turkey \u2013 T\u00fcrkiye Scholarships<\/strong> \u2014 monthly stipend + accommodation + health insurance<\/p>\n\n\n\n

                  Always check eligibility, as terms vary by nationality, level, and programme.<\/p>\n\n\n\n

                  How to Maximize Scholarship Success<\/h2>\n\n\n\n

                  1. Start Early<\/h3>\n\n\n\n

                  Begin research at least 6\u201312 months<\/strong> before application deadlines.<\/p>\n\n\n\n

                  2. Prepare Strong Documents<\/h3>\n\n\n\n
                    \n
                  • Personal statement \/ SOP<\/li>\n\n\n\n
                  • Recommendation letters<\/li>\n\n\n\n
                  • Academic transcripts<\/li>\n\n\n\n
                  • CV highlighting leadership and community impact<\/li>\n<\/ul>\n\n\n\n

                    3. Focus on Impact, Not Just Grades<\/h3>\n\n\n\n

                    Scholarships that fund living costs tend to focus on leadership potential, community involvement, goals, and vision<\/strong> \u2014 not just GPA.<\/p>\n\n\n\n

                    4. Contact University International Offices<\/h3>\n\n\n\n

                    They often have updated lists of funded scholarships, internal awards, and cost-of-living grants.<\/p>\n\n\n\n

                    5. Apply to Multiple Scholarships<\/h3>\n\n\n\n

                    Don\u2019t put all your hopes on one; cast a wide net for the best chance.<\/p>\n\n\n\n

                    FAQs<\/h2>\n\n\n
                    \n
                    \n
                    \n

                    Q1: Do scholarships that cover living expenses exist for all countries?<\/strong><\/h3>\n
                    \n\n

                    Yes, but they vary by country, level of study, and your nationality. Top destinations include the USA, UK, Canada, Australia, Europe, and New Zealand.<\/p>\n\n<\/div>\n<\/div>\n

                    \n

                    Q2: Are living stipends enough to fully cover monthly expenses?<\/strong><\/h3>\n
                    \n\n

                    Most stipends are designed to cover basic living costs, but market rates differ by city. Countries like Germany, Netherlands, and Poland tend to be more affordable.<\/p>\n\n<\/div>\n<\/div>\n

                    \n

                    Q3: Do these scholarships require service commitments (like returning home after graduation)?<\/strong><\/h3>\n
                    \n\n

                    Some do \u2014 especially country-specific government scholarships that aim to build national capacity. Always check terms and conditions.<\/p>\n\n<\/div>\n<\/div>\n

                    \n

                    Q4: Is financial need considered?<\/strong><\/h3>\n
                    \n\n

                    Yes, many awards weigh both academic merit and financial need.<\/p>\n\n<\/div>\n<\/div>\n

                    \n

                    Q5: Can I work while on a scholarship that covers living costs?<\/strong><\/h3>\n
                    \n\n

                    Usually yes, but check your student visa details. Some countries limit work hours but allow part-time jobs.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"

                    Studying abroad can be life-changing but it can also be expensive. Many students focus on scholarships that pay tuition fees, but what about the costs of living like rent, food, travel, books, and daily expenses? Fortunately, there are high-value scholarships that not only cover tuition but also provide stipends or allowances to help you live […]<\/p>\n","protected":false},"author":2,"featured_media":1655,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[],"class_list":["post-2157","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-study-abroad"],"_links":{"self":[{"href":"https:\/\/kampus-group.com\/ng\/wp-json\/wp\/v2\/posts\/2157","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kampus-group.com\/ng\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kampus-group.com\/ng\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kampus-group.com\/ng\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/kampus-group.com\/ng\/wp-json\/wp\/v2\/comments?post=2157"}],"version-history":[{"count":1,"href":"https:\/\/kampus-group.com\/ng\/wp-json\/wp\/v2\/posts\/2157\/revisions"}],"predecessor-version":[{"id":2158,"href":"https:\/\/kampus-group.com\/ng\/wp-json\/wp\/v2\/posts\/2157\/revisions\/2158"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kampus-group.com\/ng\/wp-json\/wp\/v2\/media\/1655"}],"wp:attachment":[{"href":"https:\/\/kampus-group.com\/ng\/wp-json\/wp\/v2\/media?parent=2157"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kampus-group.com\/ng\/wp-json\/wp\/v2\/categories?post=2157"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kampus-group.com\/ng\/wp-json\/wp\/v2\/tags?post=2157"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}