Did you know that a private bachelor’s degree at Tio is affordable to anyone? Your student finance can even be higher than the total costs of a Tio bachelor’s degree. Two years after graduating, you only have to pay back € 20 every month. Below, we will explain how this works.
Hotel & Event Management is a private bachelor’s degree from Tio University of Applied Sciences. Because this is a private bachelor programme, the tuition fee is higher than that of government-funded education. With more budget, Tio can invest more into better lecturers, smaller classes, appealing projects and more lectures. The focus Tio puts on the quality of its education leads to satisfied students.
The overview below applies to Dutch students and students from the EU/EEA. For non-EU/EEA students, requiring a visa, Tio has put together a package fee. Detailed information on the package fee can be found below.
Annual course fees for EU-students
Academic year 2018-20191
Tuition fee EU per year2-3-4-5
Enrolment fee (one-off)
Total first academic year
- A registration is valid from 27 August 2018 to 31 August 2019 or from 1 January 2018 to 31 January 2019.
- Tuition fee includes the cost of study materials.
- For continuing students, the tuition fee is indexed annually up to 3%.
- The tuition fee for the fourth academic year is € 9,000.
- An extended registration costs €2,700 per semester. An extended registration just for internships and final thesis costs €390 per month. These amounts can be indexed annually up to 5%.
Financing this bachelor programme
Package fee for non-EU/EEA student (student needing a visa)
Tio welcomes students from all over the world. The information on this page is meant for students requiring a student visa to study in the Netherlands.
Tio has put together a package fee for students requiring a visa. This fee has to be paid upfront so Tio can proceed with the visa application and housing arrangements.
In the table below you find the total package fee and a summary of what is included in the fee.
Package fee (first year)
Visa (MVV) and/or residence permit1
Housing2 (€ 650 per month x12)
Insurance3 (€ 50 per month x12)
Annual tuition fee
Book and readers
included in tuition fee
- The costs for a visa and/or residence permit are determined by the Dutch Immigration and Naturalisation Service. These prices are an indication of the expected costs and may vary.
- Tio arranges housing through different housing agencies for visa students. The exact amount for housing depends on the room and may vary accordingly.
- The prices mentioned are estimates. The exact amounts may vary. The student will be informed in time of price changes. Tio will apply for the required insurance for non EU/EEA students.
- The visa deposit is a safeguard for Tio. If the student does not breach the visa conditions regulation, then the amount will be transferred back to the student (with deduction of transaction costs).
- This deposit and remainder will be refunded to the student by the end of the first year after the final calculation of all costs.
Affordable to everyone
For Dutch students and students from the EU/EEA only
Did you know that a bachelor programme at Tio is affordable to anyone? You can even get more student finance than you will pay for a Tio bachelor programme.
The overview below1 is based on the assumption that you pay your tuition fee in ten instalments. To pay in 11 instalments, you require a start-up capital of € 250, since you have to pay the enrolment fee two weeks after registration. The overview demonstrates that you can get more student finance than you need to pay for a bachelor programme at Tio. After 12 months, you will end up with a positive balance of around € 2,245.
DUO allows you to get a loan at extremely favourable conditions: you do not pay interest (0%), you have a long time to repay the loan (35 years) and, after graduating, you will never have to repay more than 4% of your additional wages above the minimum wage every month.
Study loan: Mortgage – yes or no?
No matter how high your study debt is, it is always possible to get a mortgage. For more information on this subject, you can ask one of our financial advisers during the open day.
Income from DUO per year
Expenses per year (1st year)
Additional charge 11 instalments
Tuition fee loan
- This fictional example is intended to demonstrate how a bachelor programme may be financed. The actually amount of the student finance may vary and is dependent on several variable factors. No rights can therefore be derived from this example and the data used in it.
- Tuition fee including study materials of ± €1,000.
Student finance: € 20,745 per year
For Dutch students and students from the EU/EEA only
As a student you may be eligible for student finance up to € 20,745 per year. The student finance consists of a loan, tuition fee loan, student travel product and a supplementary grant (depending on parental income). The student finance is paid out in monthly terms and will be deposited into your account at the end of every month.
The amounts below are based on data from DUO for the period from September to December 2018. No rights can be derived from this information.
You are eligible to receive a supplementary grant if your parents have a joint annual income of less than € 48,800. The amount of the supplementary grant depends on the income of the parents and how many of their children are studying. If your parents’ income is less than € 31,000 per year, you are eligible to receive the maximum amount of the supplementary grant: € 391 per month. After obtaining your bachelor’s degree (within ten years) the supplementary grant converts to a gift.
Study loan and tuition fee loan
Loan of € 10,445 per year
Students may borrow a maximum of € 870.46 per month, which is € 10,445 per year. This sum includes the supplementary grant (up to a maximum of € 391). If you do not receive a supplementary grant or if your supplementary grant is lower than the maximum, you may borrow the difference.
Tuition fee loan € 10,300 per year
Bachelor students who are eligible for student finance may also apply for a tuition fee loan from DUO. The tuition fee loan for a bachelor programme at Tio amounts to € 10,300 per year. It is paid out in twelve monthly terms of € 858.33, at the same time as the rest of the study grants.
Conditions for a loan
The loan is taken out in the student’s name. No third party guarantor is required. The 2018 interest rate has been fixed at 0%, therefore you will pay no interest on your student loan. The interest rate changes annually, but is fixed for 5 years after you complete your bachelor course. Payment of the interest-bearing loan starts ± 2 years after completion of the bachelor programme and takes a maximum of 35 years. The amount of your earnings is hereby taken into account. Anyone earning less than minimum wage is exempt from repayment. Furthermore, you will never have to repay more than 4% per month of your income above minimum wages.
Calculation example: This means that as a starter on the job market with an gross income of about € 2.000 a month, you will have to repay about € 20 a month, regardless of how high your student loan is. This amount will increase by € 4 a month per every additional € 100 you earn.
Borrowing with flexible repayment
You can borrow from DUO at very favourable terms. The new student finance system allows you more time to repay. The mandatory repayment period is set at 35 years since 1 January 2016. Anyone earning less than minimum wage is exempt from repayment. You will also never have to repay more than 4% a month of any income you earn above minimum wage.
Borrowing from DUO
Every year, you can borrow around € 20,000 from DUO; that comes to a total of around € 60,000 if you take a three-year programme at Tio. You start repaying two years after you graduate. Naturally, you can start repaying the loan sooner if you want. You are also entitled to five payment-free years that you can fall back on if you are going through an expensive phase in your life and need your money for other things (e.g. young children or buying a house).
Conditions for a DUO loan
The loan is taken out in the student’s name. This does not require any guarantee from a third party. The interest rate for 2018 is set at 0%. The interest is applicable from the first month you receive the loan. The interest rate is subject to annual changes. After graduating the interest rate will be fixed for five years at a time.
More time to repay
The new student finance system allows you more time to repay your loan. The mandatory repayment period is set at 35 years since 1 January 2016. If you earn less than the minimum wage, you do not have to repay your loan. Repayment of the interest-bearing loan starts ± 2 years after obtaining your bachelor's degree and lasts for a maximum of 35 years. Furthermore, you never have to pay more than 4% of your additional wages above the minimum wage every month. If you have any leftover debt after 35 years, that sum is waived.
The fictional example1 below displays how much you would have to repay each month. Per July 2017, the minimum wage is set at € 1,565.40 per month (≥ 23 years of age). You pay off 4% of the difference between your income and the minimum wage: € 2,050 - € 1,565.40 = € 484.60 x 4% = € 19.38 paid off per month.
HEM starting salary
2x Average income
Maximum payment of 4%
€ 19.83 per month
€ 51.22 per month
€ 165.06 per month
- This fictional example is intended to illustrate the repayment of bachelor student grant. The actual payments differ for each person and depend on several variable factors. No rights can therefore be derived from this example and the data used in it.
- Higher Education Guide 2018 for gross monthly incomes.
- CPB, average gross income 2017.
Student travel product
The student travel product is part of the student finance. There are two types of subscriptions: a week subscription and a weekend subscription. If you spend time abroad as part of your bachelor programme, you are eligible to receive a monthly public transport compensation of € 91.62.
Student under the age of 18
It is possible to receive student finance for a bachelor programme if you are under 18. From September 2017, you are entitled to student finance from the month your studies start. If you start your bachelor programme at Tio on 1 September and you have yet to turn 18, you will receive your first student finance payment in late September. If you start on 1 January and you are under 18, you will receive your first student finance payment in late January.
If you will turn 18 in the current academic year, nothing will change about your entitlement to child benefits. This may lead to an overlap / double payment with the student finance.
Conditions for students from the EU/EEA
As an EU/EEA student, you are entitled to student finance and a student travel product, provided that you work a minimum of 56 hours a month based on an official employment contract. Please note that this employment will have to be in effect at least three months before you start your bachelor programme. Your entitlement to student finance will continue for the duration of your contract. You can also make use of the tuition fees loan on offer (annual amount of € 10,300). If you work less than 56 hours a month, you can still apply for a tuition fees loan, but you are not entitled to student finance. For more information visit DUO’s website.
Above mentioned information does not apply to Dutch students.
Health care benefit
(For Dutch students only)
If you are (over) 18 years old and your income is lower than € 27,857 per year, you are entitled to a healthcare benefit. The healthcare benefit is maximised at € 88 per month for incomes under € 20,000. To be eligible for a healthcare benefit, it does not matter who pays for your health insurance. Your parents can pay the bills, as long as the insurance policy is in your name.
As a bachelor student, your student finance is a performance grant. It is a loan that must be paid back after you earn your bachelor´s degree. The student travel product and the supplementary grant may be turned into gifts, as long as you graduate within ten years of the first month in which you received student finance.
Earning an income
Per September 2015, there is no limit to how much income you can earn without losing your right to student finance. That means you can earn as much as you want, for example with your job or your own business.
Statutory tuition fee
Tio is a private education institute. The statutory tuition fee of € 2,060 (2018-2019 academic year), therefore, does not apply.
Students who begin their bachelor programme in 2015 to 2018 and complete it will receive a voucher from DUO with a value of around € 2,000 for additional training. This voucher can be used up to 5 to 10 years after you graduate.
Tio offers scholarships to foreign students from the European Union (EU /EEA) and to non-European students for its English bachelor programmes. The scholarship is awarded for one academic year.
Tio super talent scholarship
The amount of this scholarship is € 8,950 per full degree student. The scholarship is awarded for one academic year. It is possible to apply for this scholarship every year. You are eligible if you meet the following criteria:
- You must have outstanding study results.
- You must have an IELTS Academic score of 7.0 or higher, TOEFL iBT score of 100 or higher, Cambridge exam of CAE-A or higher or CEFR C1 level or higher.
Tio talent scholarship
The amount of this scholarship is € 4,475 per full degree student. The scholarship is awarded for one academic year. It is possible to apply for this scholarship every year. You are eligible if you meet the following criteria:
- You must have above average study results.
- You must have an IELTS Academic score of 6.5 or higher, TOEFL iBT score of 90 or higher, Cambridge exam of CAE-B or higher or CEFR C1 level or higher.
How to apply for a scholarship
If you would like to be considered for a scholarship, you need to provide Tio with the following information:
- Send your letter of motivation and curriculum vitae in English to firstname.lastname@example.org.
- Attach a letter of recommendation in English from your former (secondary) school.
- Attach a legalised copy of all Higher Education qualifications translated into English.
- Attach a legalised copy of recent mark/grade lists translated into English.
- Attach a legalised copy of your English language proficiency (IELTS/TOEFL/Cambridge exam).
Within two weeks of your scholarship application, you will be informed whether or not the scholarship can be awarded. When awarded, the scholarship is paid out as a discount on your tuition fee. All scholarships are subject to availability and only available for non-Dutch nationality students.
Starting without start-up capital
For Dutch students only
Loan from Ficon
Apart from loans from the government, you can finance your bachelor programme via FiCon. This will enable you to follow a bachelor programme at Tio without a start-up capital. Your parents can apply for a loan from FiCon for each academic year. At the beginning of the academic year, FiCon pays the tuition fees to the loan applicants. Since the tuition fees are being paid in full, Tio provides a discount of € 350.
Study plan for bachelor students
The tuition fees loan from DUO forms the basis of a loan from FiCon. You repay the loan to FiCon in 12 instalments by means of the monthly payment of the tuition fees loan and the received student finance or an own contribution.
Repaying the loan
A student borrows € 17,550 for the first academic year (€ 17,900 tuition fees (study materials included) - € 350 discount) from FiCon. She repays this loan in 12 instalments of € 1,494 (including monthly interest; depending on the rate of interest). For this, she can use the monthly payment of € 858 from the tuition fees loan. She pays the difference, in this case € 636 per month, from the loan from DUO (maximum of € 867 per month) or pays this herself.
A loan from FiCon may cost no more than paying the tuition fees in instalments to Tio yourself, due to the discount you receive for the one-off payment and the extra charge for paying in 11 instalments.
Applying for a loan
Your parents/guardians apply for the loan after an introductory meeting with FiCon. During this meeting, your wishes during and after your study course are explored. Every month during your studies, a certain amount of the outstanding loan plus interest will be paid. It is also possible to make penalty-free repayments. Before taking out the loan, it is important that your parent(s) have income, as they are the main contracting party for the loan.
Additional information will be available during the open days held at Tio. These products are described in a prospectus. A loan can only be obtained if the parent(s) and/or student meet the FiCon conditions for participants. Ficon is registrered with the Netherlands Authority for the Financial Markets (Autoriteit Financiële Markten, AFM) as an intermediary, under number 12009222. The loan application is dealt with and assessed in accordance with the AFM guidelines. For more information please contact FiCon by phone: +31 (0)10 411 43 63.
Optional costs (optional courses and languages)
The courses and languages listed below are optional and therefore not mandatory.
Academic year 2018-2019
Additional foreign language
Company emergency response (in Dutch only)
Cooking 2.0 (in Dutch only)
Introduction to finance and accounting
Search engine marketing 1 (in Dutch only)
Search engine marketing 2 (in Dutch only)
Wine study 1
Wine study 2
How can I pay the tuition fees? (payment in instalments)
There are three ways for you to pay the tuition fee, optional subjects and seminars:
- You can pay the full amount in one go; before 1 August 2018 (1 December 2017 – January enrolment) or within 14 days of the invoice date. You will get a €350 discount on the tuition fee;
- You can pay in 7 instalments;
- You can pay in 11 instalments (additional charge €350).
If you choose to pay in instalments, this happens through a direct debit authorisation on the above dates. The tuition fee, the optional courses and seminars will be invoiced around 1 July 2018 (1 December 2017).
01-08-2018 / 01-12-2017
01-09-2018 / 01-01-2018
01-10-2018 / 01-02-2018
01-11-2018 / 01-03-2018
01-12-2018 / 01-04-2018
01-01-2019 / 01-05-2018
01-02-2019 / 01-06-2018
01-03-2019 / 01-07-2018
01-04-2019 / 01-08-2018
01-05-2019 / 01-09-2018
01-06-2019 / 01-10-2018
01-07-2019 / 01-11-2018
* Please note: When you pay the full amount in one go, you have to transfer the total amount to Tio yourself. In the event of an extended registration, you must pay the full amount at once and you are not eligible for a discount.
(for non-EU/EEA degree students)
Full degree students from outside the EU/EEA are required to pay the full amount before 1 July 2018 (for students starting in September) or 1 November 2017 (for students starting in January).
(payment in 11 instalments - only available to Dutch and EU/EEA degree students)
A bachelor student has applied for student finance (maximum loan), receives a tuition fee loan and pays in 11 instalments. The overview below indicates how much startup capital is required to be able to start a private bachelor programme at Tio. After July, the full amount of the tuition fee has been settled with Tio.
Costs of bachelor programme
Student finance per year2
11 instalments x € 1.6601
(1 October until 1 July)
12 instalments x € 1,728.79
(24 September until 24 August)
Total € 18,250
Total € 20,745
Total € 250
- This pertains to paying in instalments, excluding any optional courses and seminars. The optional courses and seminars can be paid in the same instalments as the tuition fee itself.
- Student finance (maximum loan + tuition fee loan = €1,728.791). You receive the first student finance payment around 24 September.
Comparison of tuition fees
Completing a bachelor programme at Tio is an investment in your future. If you choose to do the three-year course, it is possible for you to start your career sooner, and start earning money immediately. An investment with a fast return.
Investing in your future
Taking a bachelor programme at Tio pays off; it is an investment in your future. The quality of Tio’s programmes is exceptional and you are given all possible support to help you achieve a successful future. Furthermore, Tio is highly regarded in the business world, which generally allows Tio graduates to find a job quickly. If you enrol in the accelerated programme, you can start working sooner. This pays off instantly, so you can earn back your investment in a short while.
Compared to a government-funded bachelor progrmme, a three-year programme at Tio costs €23,350 more. This difference is a lot smaller than you might expect, because students can start working sooner: starting one’s job a year earlier will result in a net sum of around €21,500, based on the average starting salaries within the Tio sectors (as listed on the programme pages, the Higher Education Guide 2017 for gross monthly wages, loonwijzer.nl/home/salaris/brutonetto for calculating net wages out of gross wages).
The illustrative calculation1 below provides an overview of the costs of a three-year Tio programme in comparison with a government-funded four-year programme.
Tuition fee2 entire programme + enrolment fee
Costs of all study materials
Included in tuition fee
Financial benefit of starting work sooner3
- € 21,500
Difference after 4 years
- This fictional example is intended to illustrate the investment in a Tio bachelor programme and a programme at a government-funded institute. The actual investment differs per student and depends on several variable factors. No rights can therefore be derived from this example and the data used in it.
- Including annual price indexing of a maximum of 3%, this is an estimate.
- Source: Higher Education Guide 2017.
Who pays the tuition fee?
72% of the bachelor students (partially) pay for the tuition fee themselves, as revealed by a survey among bachelor students who started their bachelor programme at Tio the past 2 years. This means that the majority of students (partially) pays for their study course themselves.
Source: Survey among new students 2016 & 2017
How much does studying cost?
What expenses will come your way when you start your studies? Below, you will find an estimate of the costs you may expect when you start your studies. Of course, the costs are different for students who continue to live at home, compared to those who find a room of their own.
Average study costs per month
Tuition fees (2017-2018)
Rent for a room
Internet and tv
Transportation (in addition to the student travel product)
Entertainment, going out and sports
Clothing and shoes
Student society activities
€ 10 - 20
Average monthly rent for a room
* Healthcare benefits (for Dutch students only)
If you are 18 years or over, you must take out your own health insurance. Remember to also apply for healthcare benefits. If your annual income is lower than € 27,857, you are entitled to receive healthcare benefits.
Prices and price guarantee
1. The obligation on the part of the Student to pay the enrolment fee and the tuition fee in full arises at the entering into the Study agreement. This obligation is unconditional. The liability to pay the tuition fee is not depending on actually attending the educational programme, the expiry of the time, or of any terms and conditions whatsoever. The same applies to the liability to pay the price for optional subjects and seminars, always provided that the payment obligation arises at the time of admission to the optional subject or the seminar (this can be at the entering into of the Study agreement, but also later).
2. If Tio and the Student have agreed to payment by instalments for the tuition fee, the Student will make the payments by instalments no later than on the agreed final payment date. If no payment by instalments has been agreed the amount owed will be paid in full within 14 days after the invoice date.
3. The payment term for all other amounts is 14 days after the invoice date.
4. Each payment, regardless of any description provided with the payment, will serve to settle the invoice that has been outstanding the longest.
5. The price for books is included in the tuition fee. The following are not included in the tuition fee: costs attached to the purchase of personal items (laptop, clothing, pens etc.), costs attached to internships, final theses and travel expenses. Photocopying and printing costs are also not included, with the exception of a photocopying/printing card good for 150 black and white sheets, which will be provided to the Student.
6. The study programme fee is annually indexed with a maximum of 3% for continuing students, as mentioned in the study guide 2018/2019. This price guarantee applies only if the Student has registered prior to 1 February (1 October if the academic year starts at 1 January for the following study year). To applications after the aforementioned dates, fees as listed in the study guide that applies to the next academic year apply.
7. To an extended registration applies that the price of the extended registration at the time of the first full-time registration for the Programme that is extended, will be indexed annually with a maximum of 5%. This price guarantee applies to a maximum of two years after the nominal study duration within Tio; after that the prices in the study guide that applies to the academic year in which the Student wishes to follow the education on the basis of the extended registration will apply.
8. The fee for attending twice in the same study year is equal to 50% of the fee set out in the study guide that applies to the academic year in which the Student wishes to follow the study year for the second time.
9. Non-attendance of lectures (for example due to sickness) will not result in reduction in tuition fees, or other fees.
Upon registration study course fees become due in full regardless whether attendance of classes has taken place. It is possible to terminate the study agreement. However, termination will not lead to restitution of study course fees except in the circumstances as set out below. After applying for admission you have a cooling off period of 14 days in which you can terminate the agreement. After this period you may be entitled to a partial restitution of the study course fees (the dates between the parentheses are applicable to 1 January enrolment).
- If you terminate before 1 July (1 Nov.), 100% of the study course fees will be credited, with the exception of the enrolment fee.
- If you terminate in July (Nov.) 75% of the study course fees will be credited.
- If you terminate in August (Dec.) 50% of the study course fees will be credited.
- There will be no restitution for termination after 31 August (31 Dec.).
When in doubt, you can submit a request before 1 July (1 Nov.) to the student administration for a conditional registration. The complete general terms and conditions can be found at tio.nl/en/general_terms_and_conditions. Tio requires termination by registered mail making sure the date of termination is secured. This is also possible via the website (tio.nl/en/cancellationform).
During the open days, internal and external specialists are present who can tell you more about the possibilities of financing a bachelor’s degree at Tio. For more and up-to-date information, you can also consult the website of DUO.