Tuition fees
It pays to earn a degree from Tio. It is an investment in your future. Tio is a private educational institution. Thanks to greater financial resources, Tio is able to invest in smaller classes, exciting projects, excellent lecturers and more lessons. The attention Tio pays to the quality of its education results in satisfied students and high-quality education.
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 fees for EU-students | Academic year 2023-2024 |
|---|---|
Tuition fee EU per year3-4-5-6 | € 22,250 |
Enrolment fee (one-off) | € 95 |
Total first academic year | € 22,345 |
- The three-year bachelor programme runs from 1 January 2023 or 1 August 2023 through 31 August 2026. The four-year bachelor programme runs from 1 January 2023 or 1 August 2023 to 31 August 2027. The Associate degree programme lasts two years: from 1 January 2023 or 1 August 2023 through 31 August 2025.
- Tuition fee includes study materials, the study trip (in the 3rd year), examination and examination fees and projects.
- The tuition fees are indexed annually with a maximum of 5%.
- Tuition fee for the 4th academic year of the bachelor programme: 50% of the indexed tuition fee.
- An extended registration costs € 500 per exam subject/practice assignment per academic year. An extended registration only for graduation costs 25% of the indexed tuition fee per academic year.
How to finance this high-quality programme
There are several options for financing Tio's tuition fees:
- Own income or loan through family.
- Student finance through DUO or home government.
The options, and other matters such as electives and payment in instalments, are explained below.
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 package fees for students requiring a visa. The package 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 costs for the first year at Tio and a summary of what is included in the package fee.Fees
Academic year 2023-2024
Tuition fee per year1-2
€ 22,250
Enrolment fee (applies to all applications)
€ 95
Tuition fee 4th year bachelor programme
50% of the indexed annual tuition fee
- If the tuition fee is paid at once, a € 350 discount applies. If the tuition fee is paid in 12 instalments2, the total tuition fee is € 22,250. For students from outside the EU/EEA who choose to pay in 12 monthly instalments, the first two instalments will be invoiced before the start of the academic year - on 1 July and 1 August for the September intake or on 1 November and 1 December for the January intake.
- The Dutch immigration authority requires you to prove that you are able to meet the financial requirements of living and studying in the Netherlands. In order to show that you are able to meet the financial requirements towards Tio, we offer several options. Tio will inform you accordingly and assist you.
Non-EU package fee original
Visa1 (arranged by Tio)
€ 210
Insurance (arranged by Tio)
€ 600
Housing2 (arranged by Tio)
€ 8,300
Deposit3
€ 2,390
Total
€ 11,500
- 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.
- Housing fees may vary depending on availability.
- 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) by the end of the first year after the final calculation of all costs.
Non-EU package fee light
Visa1 (arranged by Tio)
€ 210
Insurance (arranged by Tio)
€ 600
Housing
Bank statement for € 8,300 (self-arranged)
Deposit2
€ 2,390
Total
€ 3,200
- 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.
- 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) by the end of the first year after the final calculation of all costs.
Student finance via DUO
For Dutch students and students from the EU/EEA only
As of September 2023, the student finance consists of a basic grant*, a loan, tuition fee loan, the student travel product and a supplementary grant (depending on parental income). Bachelor students are eligible for student finance even if they are under 18.
The student finance is paid out in monthly terms and will be deposited into your account at the end of every month.The amounts listed below are based on DUO data for the period from September to December 2023. No rights can be derived from this information.
* Note: The government plans are not yet final, because the Senate still has to vote on them. That will probably happen in July.Amounts
Living at home
Living away from home
Student travel product
✓
✓
Basic grant
€ 110,30
€ 439,20
Supplementary grant
€ 416,00
€ 416,00
Loan
€ 266,97
€ 266,97
Tuition fee loan
€ 964,17
€ 964,17
Total per month
€ 1.757,44
€ 2.086,34
The various components of the student finance are explained below.
Basic and supplementary grant
Basic grant
As of September 2023, the basic grant will return to student finance for higher education and there will be a distinction in amounts for students living at home and those living away from home. The basic grant for students living at home is € 110.30 per month and for students living away from home € 439.20 per month. For those living away from home, this includes a purchasing power measure of € 164.30 for the academic year 2023-2024, intended to help students for one year because purchasing power has fallen.Supplementary grant
You are eligible to receive a supplementary grant if your parents have less than € 70,000 in joint annual income. The amount of the supplementary grant depends on the income of the parents and how many of their children are studying. The maximum amount of the supplementary grant is € 416 per month. Calculate what the amount is in your situation via the calculation tool on duo.nl. After obtaining your degree (within ten years) the supplementary grant converts to a gift.Study loan and tuition fee loan
Loan of € 3,203 to € 8,195 per year
Students may € 266.97 per month. If you do not receive a supplementary grant or if your supplementary grant is lower than the maximum, you can borrow the missing amount on top of the loan.Tuition fee loan of € 11,570 per year
Students who are eligible for student finance may also apply for a tuition fee loan from DUO. The tuition fee loan for a bachelor or master programme at Tio amounts to €11,570 per year. It is paid out in twelve monthly terms of €964.17, at the same time as the rest of the student finance.Conditions for a 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 2023 is set at 0,46%. As soon as you receive the first payment of your loan, your loan will start to accrue interest that you must pay back later. The interest rate is subject to annual changes. After graduating the interest rate is frozen for five years at a time.Borrowing with flexible repayment
You can borrow from DUO at very favorable conditions. Read below how that works.
Loan and repayment via DUO
You start repaying your loan two years after graduating. Of course, you can start your repayments sooner if you wish. You can make use of a payment-free period of up to five years, which you can rely on when you are going through an expensive time and need the money for other things (e.g. raising young children or buying a house). Having student debt will affect your ability to get a mortgage in the future. However, it will not prevent you from getting a mortgage.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 2023 is set at 0,46%. As soon as you receive the first payment of your loan, your loan will start to accrue interest that you must pay back later. The interest rate is subject to annual changes. After graduating the interest rate is frozen for five years at a time.Repay student debt in 35 years
The repayment period is set at 35 years. Repayment of the interest-bearing loan starts ± 2 years after graduating and lasts for a maximum of 35 years. Additionally, the monthly amount you have to pay is never more than 4% of the income over the ability to pay exemption. If you earn less than the minimum wage, you do not have to repay your loan. If you have any leftover debt after 35 years, that sum is waived.Example
In the table below, a fictional calculation example1 shows how much the monthly repayment is per programme. The ability to pay exemption2 for 2023 is € 25,069.82. You pay off 4% of the difference between your annual income and the ability to pay exemption. Example for bachelor programme Hotel and Event Management: € 29,924.64 - € 25,069.82 = € 4,845.82 x 4% = € 194.19 / 12 months= € 16.18 repayment per month.Starting salary3 of the programme
Maximum payment4 of 4%
Average income5
€ 3,077 (gross p.m.)2x Average income5
€ 6,154 (gross p.m.)Commerce Economics & Entrepreneurship
€ 29.88 per month
€ 49.36 per month
€ 182.28 per month
Hotel and Event Management
€ 16.18 per month
€ 49.36 per month
€ 182.28 per month
International Business Management
€ 28.19 per month
€ 49.36 per month
€ 182.28 per month
International Tourism Management
€ 16.18 per month
€ 49.36 per month
€ 182.28 per month
- This fictional example is intended to illustrate the repayment of the bachelor or associate degree 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.
- Ability to pay exemption = annual minimum wage + holiday allowance.
- Higher Education Guide 2023 for gross monthly incomes.
- Any interest is added to this amount.
- CPB, average gross income 2023.
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 € 120.96 instead of the student travel product.
Student under the age of 18
It is possible to receive student finance for a bachelor programme if you are under 18. If you will turn 18 in the current academic year, nothing will change about your entitlement to Dutch child benefits. This may lead to an overlap / double payment with the student finance (for Dutch students).
Student finance for students from the EU/EEA
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 (the start date of your employment contract must be the 1st of the month) or if you have a monthly income of at least 50% of the social security norm. Your entitlement to student finance will continue for the duration of your contract. Do you work less than 56 hours per month, or is your monthly income less than 50% of the social security norm? Then DUO will assess your situation separately.
- You are also entitled to student finance if you have been living in the Netherlands for 5 consecutive years or more, or if your parent or partner works, or has worked, in the Netherlands for at least 56 hours per month. They must be citizens of an EEA country or Switzerland. You can also make use of the tuition fee loan on offer (annual amount of €11,570). If you work less than 56 hours a month, you can still apply for a tuition fee loan, but you are not entitled to student finance.
For more information visit DUO’s website.
Student grant via home government
You can apply for a student grant at your home government, even if you are doing your full time bachelor programme in the Netherlands. Please check if this also applies to your situation. Check the rules and conditions at the website of your home government.Above mentioned information does not apply to Dutch students.
Health care benefit
(For Dutch students only)
If you are 18 years of age or older and your income is lower than € 38,520 per year, you are entitled to a healthcare benefit. The healthcare benefit is maximised at € 154 per month for incomes under € 25,070. 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.More information
Performance-related grant
As a bachelor and master student, your student finance is a performance grant. It is a loan that must be paid back after you earn your degree. The student travel product, basis grant and 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
You can earn as much as you want without losing your right to student finance, for example with your job or your own business.Statutory tuition fee
Tio is a private educational institution. The statutory tuition fee of € 2,314 (2023-2024 academic year), therefore, does not apply.
Scholarships
Tio offers scholarships to foreign students from the European Union (EU /EEA) and to non-European students for its English study programmes. The scholarship is awarded for one academic year.
Tio super talent scholarship
The amount of this scholarship is € 11,125 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 € 5,562 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 admissions@tio.nl.
- 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).
After the deadline of July 1st (September enrolment) or November 1st (January enrolment), 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.
Payment options (payment in instalments)
The tuition fee for the 2023-2024 academic year is €22,250. There is a one-time enrolment fee of €95. The study programmes start in August and January. For both enrolment moments, you can pay the tuition fees and optional courses in two ways:
- You can pay the full amount in one go; before 1 August 2023 (1 January 2023 – January enrolment) or within 14 days of the invoice date. You will receive a € 350 discount on tuition fees.
- You can also pay in 12 instalments. The first instalment is due on 1 September (1 February for those who start classes in January).
If you choose to pay in instalments, this happens through a direct debit authorisation on the dates mentioned below. The tuition fee and the optional courses will be invoiced around 1 July 2022 (1 December 2022 – January enrolment). Invoices will be sent by email.
* Please note: When you pay the full amount in one go, you have to transfer the total amount to Tio yourself.Expiration date
September / JanuaryOne-off
payment*12 instalments
01-08-2023 / 01-01-2023
✓
01-09-2023 / 01-02-2023
✓
01-10-2023 / 01-03-2023
✓
01-11-2023 / 01-04-2023
✓
01-12-2023 / 01-05-2023
✓
01-01-2024 / 01-06-2023
✓
01-02-2024 / 01-07-2023
✓
01-03-2024 / 01-08-2023
✓
01-04-2024 / 01-09-2023
✓
01-05-2024 / 01-10-2023
✓
01-06-2024 / 01-11-2023
✓
01-07-2024 / 01-12-2023
✓
01-08-2024 / 01-01-2024
✓
Other tuition fees
If you are completing your programme after the nominal duration of the study programme, or if you are repeating an academic year (for instance due to long-term illness), other tuition fees apply. We list them for you below:
Type
Annual amount
Repeating the academic year
50% of the tuition fee*
Completing modules after the nominal duration
€ 500 per unfinished module
Writing your thesis after the nominal duration
25% of the tuition fee*
* Tuition fees are indexed annually by up to 5%.
Optional costs
The courses and languages listed below are optional and therefore not mandatory.
Optional
Academic year 2023-2024
Introduction days
€ 295
Wine study
€ 500
What study costs should I consider?
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 studying. Naturally, 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
€ 1,854
Study materials
Included
Rent for a room
€ 426
Internet and tv
€ 25
Groceries
€ 173
Transportation (in addition to the student travel product)
€ 72
Entertainment, going out and sports
€ 124
Clothing and shoes
€ 53
Health insurance*
€ 115
Household insurance
€ 5.75
Liability insurance
€ 2.50
Mobile phone
€ 19
Student society activities
€ 10 - 20
Source: nibud.nl
Average monthly rent for a room
Amsterdam
€ 611
Eindhoven
€ 436
Enschede
€ 355
Groningen
€ 414
Hengelo
€ 305
Rotterdam
€ 515
Utrecht
€ 474
* 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 € 31,998, you are entitled to receive healthcare benefits.
Need advice?
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.