Where to find help with student finances?
Kela
Study grants, housing allowance, and other benefits.
Book an appointment with customer service or use the chat service if needed.
Financial advice clinics
Vantaa: Financial concerns? Visit the Financial Counselling Clinic – Vantaa and Kerava Wellbeing Services County (in Finnish – accept cookies to use the automatic Google translator on the upper right corner of site)
Ohjaamo
Support for employment, education, and everyday matters for individuals under 30.
Takuusäätiö
Financial counselling and support for debt situations
Chat with financial advisors, get budgeting help, and explore payment arrangement options.
“Ask About Money” chat
Martat
Everyday management and tips for handling money
Information on affordable cooking, reducing waste, and household finances.
Study counselling and student welfare staff at your own educational institution
Support for studying and personal life situations – often also help with applying for benefits.
Other sites
- Advice on various everyday financial matters, such as planning your spending, sticking to a budget, and questions related to debts: Financial and debt counselling – The National Legal Services Authority
- Municipal financial and debt counselling: The Finnish Competition and Consumer Authority
- FSHS – When financial stress affects your mood or studies. Mental health services for higher education students: Finnish Student Health Service
- Diaconal work: Meet with a diaconal worker – Vantaa parishes, Diaconal services – Church in Espoo, Diaconal help and support – Lutheran church in Helsinki
Remember: Ask for help in time. You are not alone.
What is important in managing finances?
- Recognize your spending habits
- Know your income and expenses
- Plan your spending
- Know how you will manage bill payments
- Track your expenses in a way that suits you
- Plan your purchases and how you will pay for them
- Identify your financial “warning signs”
- Tip! Check out penno.fi