What are the fully funded scholarships in Germany that cover tuition, a monthly stipend, health insurance, and travel?
Yes, DAAD Study, STEM, EPOS, and ERP scholarships pay €992 a month plus insurance and travel, but not tuition, so pair one with a tuition-free programme. Erasmus Mundus Joint Masters is the option that covers tuition and mandatory costs as well.
Your closest options to a truly fully funded German master's combine a DAAD scholarship with a tuition-free public university programme, or apply directly for an Erasmus Mundus Joint Master's, which covers tuition on its own.
Comprehensive Scholarship Options
| Scholarship | Eligible level | Monthly funding | Covers tuition? |
|---|---|---|---|
| DAAD Study Scholarship | Master's, all disciplines | €992, plus insurance and travel allowance | No, choose a tuition-free programme |
| DAAD STEM Study Scholarship | Master's in STEM fields | €992, plus insurance and travel allowance | No, tuition-free programme required |
| DAAD EPOS | Master's, 2-plus years of experience | €992, plus insurance and travel allowance | Programme-specific |
| Erasmus Mundus Joint Masters | Master's, multi-country programmes | Living and travel allowance, insurance included | Yes, no tuition or mandatory participation costs |
| DAAD ERP Study Scholarship | Master's in Economics or Business | €992, plus insurance and travel allowance | No, tuition-free programme required |
Why Fully Funded Needs a Second Check
- DAAD explicitly excludes tuition: the stipend, insurance, and travel allowance are real, but you must independently choose a programme that does not charge tuition.
- EPOS has a fixed programme list: you can only apply through the specific development-related programmes it funds, not any German master's.
- Semester contributions still apply: even a tuition-free programme usually carries a small administrative semester fee.
My Advice
If your goal is genuinely zero out-of-pocket cost, prioritise Erasmus Mundus Joint Masters applications alongside your DAAD applications, since it is the one route here that pays tuition directly rather than requiring you to separately find a tuition-free programme. Apply to Erasmus Mundus early, most calls close around October to January for the following academic year, since its deadlines run earlier than typical German university admissions cycles.
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