You find a course with a tuition figure, convert it to naira, and the plan suddenly looks affordable. Pause before using that number as your budget: it may cover only tuition, while visa costs, housing, travel and other charges sit elsewhere.
Separate the costs first
Start with the university’s official fee page and record the tuition in the currency shown, such as GBP, USD, CAD or EUR. Check whether the amount applies to your course, study level and intake, and whether it is per year or for the full programme.
Then list costs the tuition page may not include: accommodation, food, local transport, health cover where required, visa and application fees, travel, books and any deposit. Use the relevant government immigration page for visa-related fees and requirements. Keep each amount in its original currency and note its source and last-checked date.
Treat funding as a separate check
Search for scholarships on the university’s official funding pages and on the official site of the scholarship provider. Check eligible countries, courses, study levels, covered costs and the application deadline; an award may cover only part of the expenses or have separate application steps.
A naira conversion can help with planning, but the exchange rate and transfer costs can change between budgeting and payment. Keep the official foreign-currency figures beside any conversion, and do not treat a possible scholarship as money already secured. Your budget is more useful when every figure has a currency, a source and a date.