Summer jobs have an impact on student subsidies
Support|In August, university students who will continue their studies may be completely unpaid in August. What to consider when income changes with summer jobs?
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College students can remain in August without living support with the reform.
Students will be transferred from general housing allowance to the study allowance for housing allowance as of August 1.
If the student grant is not raised in August, the support for housing will not be received throughout the month.
The annual income threshold for student aid has been raised and you can earn about € 20,000 per year for 9 support months.
Student Moving away from the general housing allowance at the end of the summer will have a significant impact on many income. Some of the students to continue will be completely without living support for a month.
On the other hand, internships or summer work can multiply the income of a college student. If you have not taken care of your annual income thresholds, you will have to shell out or restore support later.
How can a student plan their summer financially?
Housing subsidies
Until July 31, students are covered by general housing allowance. General housing allowance should be checked whenever your own income increases by at least € 400. The comparison is made to the previous aid decision. There is no annual income limit for general housing support, so you need to monitor your income on a monthly basis.
A good rule is that it is always worth checking the housing allowance than to stop directly. Kela checks the housing allowance at least once a year and the over -paid subsidies will be recovered.
On August 1, students will move to the study allowance, with some exceptions. The housing allowance is paid only for months from which the student receives student aid. Generally, university studies will begin in August -September, when the student grant and the housing allowance can be obtained from 1 September.
If the university student does not raise student grants from August yet, he or she is not entitled to a housing allowance or general housing allowance for that month.
Kela’s benefit manager Piia Kuusisto Confirms that a student who will continue his or her studies may remain in full -related benefits in August this year if he or she is entitled to study grant until the beginning of September.
Where do I rent the money?
What if the money is not enough for rent when the reform enters into force? Student aid can be raised as early as August, and the student is also entitled to the study allowance for the study allowance. From the beginning of August, the student will also be able to raise a student loan.
Only the student’s own income is influenced by the amount of the student subsidy housing allowance and is determined by the same income limits as student aid. If the annual income threshold is exceeded, both the housing allowance and the study allowance must be returned to Kela. In this case, it is advisable to first return the support from the months for which it has received the least amount.
For example, from 2025, it is advisable to restore the aid in the early part of the year alone, as then the student has only received study money.
Study grant
It is also possible to raise student aid for the summer if the studies are completed between June and August. Currently, the amount of student grants for university students is EUR 279.30 per month.
If the summer is at work, it is advisable for the student to ensure that the annual income threshold for the student subsidy is not exceeded. Simply the more student earns, the less support months can be used. The earned amount is calculated from gross income, or salary before deductions. The income limits can be checked on Kela’s website.
If the income exceeds the limit, the student allowance may be canceled from the following months or the aid paid to Kela can be returned. The aid should always be returned by the April of the following year.
The annual income threshold for student aid has been raised for years 2025-2026. If a student raises support for nine months during the calendar year, he or she can earn around € 20,000. Last year, the corresponding amount was about 18,000.
For each month of support, income may be EUR 1,118 and in months, when the student does not raise support, the revenue may be EUR 3,355. Income can be obtained at any time during the calendar year, as long as they do not exceed the annual income.
Tax card up to date
If a student wants to avoid stumps, the most important thing is to ensure that the annual income limit for the tax card is sufficiently high. All student income, that is, not only wage income, but also tax subsidies, should include the tax card’s income limit.
The study allowance for a study allowance is tax -free income, but instead, the study allowance is a taxable income that can affect the tax rate.
For the new tax card, an estimate of the amount of the student allowance is needed during the year.
What?
Annual Income Formula
Student She is working from the beginning of June until the end of August, three months. He does not raise student grants from the time. The student’s gross salary is € 2,200 per month for summer jobs. For other 9 months, he raises student aid. In addition to their studies, the student works and earns € 1,000 a month.
If The annual income limit is exceeded by € 374, the student does not have to repay the support.
Income threshold The formula is then:
EUR 1,118 x 9 months + 3 355 euros x 3 months = 20 127 euros. (+374 euro)
Student The total salary per summer is EUR 6,600. The salary of the work done alongside studies is € 9,000. Thus, the total income is EUR 15,600. The amount goes inside the formula, ie it is less than € 20,127, so the student does not have to repay the subsidies or cancel the support for the coming months.
In the example, the student is an independent 18 -year -old university student. The example is indicative. More information on income limits can be found on Kela’s website.
