Preview Chapter One:

The Dutch government offers various student finance options (studiefinanciering), including loans, grants, and supplementary aid. Depending on your nationality and situation, you may qualify for financial support from DUO, the government agency responsible for student funding. This section explains:

• Who qualifies for student finance and how to apply
• The difference between loans, grants, and supplementary aid
• Scholarships available for international and Dutch students
• Tips for maximizing your financial aid while avoiding unnecessary debt

If you’ve lived in the Netherlands for a while, you might have seen the infamous blue envelope from the Dutch Tax Authority (Belastingdienst). But did you know that as a student, you may be entitled to tax refunds and benefits? In this section, we’ll cover:

• How to claim a tax refund on your part-time job
• What the healthcare allowance (zorgtoeslag) is and how to apply
• Other tax benefits and deductions that can save you hundreds of euros

From public transport to museum passes, being a student in the Netherlands comes with plenty of discounts—if you know where to look. Many students overlook these savings, but small discounts can add up over time. This section highlights:

• The best student discount programs in the Netherlands
• How to save money on transportation, food, entertainment, and tech
• Why signing up for a student bank account can give you extra benefits

With the right knowledge, you can maximize your student benefits, reduce expenses, and take control of your finances—all while focusing on your studies.