Financial aid for students with a family
If you are a student and have a family, you are entitled to Kela’s support for families with children. If you study during your maternity or parental leave, you can also get student financial aid.
If you study full-time and take out student financial aid, you will get the minimum amount of maternity allowance. If you interrupt your studies during the maternity leave, inform Kela about it so that you will be paid the maternity allowance in full. Maternity allowance is paid for 105 working days, which is about four months. In addition to working days, Saturdays are also included.
Also remember that parental allowances and other taxable family benefits are income that is taken into account in the annual income limits.
If you only work on Sundays and on mid-week holidays, the employment income will not affect your maternity allowance. If you work from Monday to Saturday, your maternity allowance for the days you work will be the minimum amount. Submit your working days in Kela’s e-Services or by calling the service number for families with children. If you get a special maternity allowance before your maternity leave starts, you cannot work at all or study full-time.
Students are entitled to paternity leave and paternity allowance if they are married to or live together with the child’s mother and participate in the care of the baby. If you live in a different address from the baby’s mother, you must participate in the care of the child to receive the paternity allowance.
You cannot study full-time or work during the paternity leave. Inform Kela of the dates of your paternity leave, the dates when you will not study or take out study grant. You can still study part-time during your paternity leave. You must take your paternity leave before the child turns two.
The mother or the father can work during the parental allowance period. The minimum amount of the allowance is paid for the days they work. Working on Sundays or mid-week holidays does not affect the parental allowance. If a parent who studies gets student financial aid, the parental allowance paid will be the minimum amount.
Yes. A student who receives student financial aid and has a dependant aged under 18 is entitled to a provider supplement paid by Kela. It is paid in addition to the study grant. The number of children does not affect the amount. Kela pays the provider supplement automatically when the details of the guardianship are in the Population Information System.
Students are entitled to general housing allowance on the same conditions as everyone else. The housing allowance is paid jointly to the entire household. The pace of your studies in terms of individual courses does not as such affect the amount of the allowance, but you must estimate the date of your graduation in your application.
After the child is born, you should apply for a review of the housing allowance. The amount of the housing allowance may change when the size of your household and your income change.
If you study as an apprentice without pay (training agreement), you are entitled to student and family benefits just like any other student.
If your employer pays you a salary (apprenticeship), you are entitled to student benefits for the dates you study at your educational institution. If you are a student with a family, you can also apply to the education provider for a family benefit if you suffer a loss of income during the time you study at the institution.
You can get a single-parent supplement to child benefit even if you and the child’s other parent have joint custody. If the other parent does not pay maintenance to you or the amount is too small, you may get maintenance allowance. If you are on a low income, you may also be entitled to a housing allowance.
Child home care allowance or private day care allowance does not prevent you from receiving student financial aid. However, note that they are income that is taken into account in the annual income limit concerning student financial aid. You can get a child home care allowance or private day care allowance if you child is not in municipal day care.
The amount of the day-care fee is determined by the family’s total gross income and the size of the family. When you apply for a place in day care for your child, you have to provide documents showing all the income your family has, for example the student financial aid received by the parents. Parents on a high income pay more for the day care of their children than parents on a low income. Parents with the lowest income do not pay anything for the place in day care.