Can I get an education loan to study in France?

Yes, many Indian lenders, including public banks, private banks, and NBFCs, offer loans for France.

What’s the interest rate for studying in France?

Public banks offer education loans in France at 8% to 11%, while private banks range from 9.5% to 13%. NBFCs typically charge interest rates of 11% to 14%, depending on the borrower's profile and lender.

Can I get a France education loan without collateral?

Yes, unsecured loans are available without collateral, primarily through private banks and NBFCs. A strong co-applicant with good credit is usually required.

How much loan can I get to study in France?

You can get up to 100% coverage of tuition and living costs. Loan amount depends on your university, course, and financial profile.

When does repayment start for France education loans?

Repayment begins after the moratorium period, which includes your course duration plus 6 - 12 months post-completion.

Are there special loans for Indian students in France?

Yes, many lenders have custom schemes for Indian students applying to top French universities. Nomad Credit helps identify the right options.

Cost of Living in France: Student Edition

Dreaming of studying in France? Here’s a clear breakdown of living costs, covering your everyday expenses, rent, food, transportation, and more, to help you plan more effectively.

Monthly Living Expenses for Students in France

Expenses can vary depending on the city; Paris tends to be at the upper end, while smaller cities like Lyon or Toulouse are more affordable. Here are the estimated monthly living expenses in France:

Expense	Typical Monthly Cost (EUR)
Accommodation (shared)	€500 - €800
Meals & Groceries	€200 - €300
Transport (local pass)	€30 - €60
Utilities & Internet	€60 - €100
Miscellaneous (books, outings)	€100 - €150

France Student Living Expenses: What You’ll Spend Monthly

Here’s a breakdown of typical monthly or unit costs for essential items that international students planning to study in France should plan for.

List of Items	Average Cost (EUR)
Meal for 2 People at a mid-range restaurant	€50
Gasoline (1 litre)	€1.80
Basic Utilities (Electricity, Heating, Cooling, Water, Garbage)	€180
Internet (60 Mbps or More, Unlimited Data)	€30
Apartment (1 Bedroom) in City Centre	€900

Note: Costs may vary by city, with Paris generally 20–30% higher.

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France Cities: True Cost of Living

France offers low-cost education, but the cost of living in different cities can vary significantly. Some cities may have a lower monthly budget, fewer part-time job opportunities, or fewer housing options. The table below provides basic cost-of-living comparisons between some main cities in France:

Rank	City	Cost of Living (Index)
1	Paris	88.40
2	Lyon	80.25
3	Marseille	78.90
4	Nice	77.35
5	Bordeaux	76.70
6	Strasbourg	75.60
7	Toulouse	74.80
8	Nantes	73.45
9	Lille	72.90
10	Grenoble	72.30

How to Finance Your French Study Budget

Indian students can fund their tuition and living expenses in France with flexible education loans in France designed for international studies.

Loans for Indian Students: Available through public banks and (non-banking) lenders or the NBFCs
No Collateral Options: Available to eligible students with good co-applicants
What is Covered: Covers tuition, housing, insurance, and daily expenses
Nomad Credit Advantage: Get free, personalized lender matches for your France loan

Frequently Asked Questions

What is the average monthly cost of living for students in France?

Most international students spend between €1,000 to €1,500 per month, depending on the city. Paris tends to be more expensive than cities like Toulouse or Nantes.

Which French cities are the most affordable for students?

Cities like Toulouse, Nantes, and Grenoble are among the most budget-friendly. They offer lower rent and daily expenses compared to Paris or Lyon.

Can I get a student loan to cover living expenses in France?

Yes, many education loans for France cover tuition and living costs, including rent, food, and transportation. Nomad Credit can help match you with lenders that offer full coverage.

What is the average rent cost for students in France?

Rent varies by city; shared housing costs around €400-€700/month, while city center apartments in Paris can cost up to €1,000 or more.

What part-time job options are available for students?

International students in France can work up to 964 hours per year (20 hours/week). Many take up roles in cafes, retail, or on-campus services to support their living costs.

How can I reduce my cost of living in France?

Choose smaller cities, share housing, cook meals at home, and utilize student discounts on transportation and cultural activities to manage your budget wisely.