Why do so many immigrants get into serious financial trouble in Germany — especially with bills, Inkasso, SCHUFA, electricity providers, or even the Finanzamt?

In this episode, I share real-life experiences of how small mistakes — like ignoring or not properly reading official German letters — can quickly turn into major financial and legal stress.

If you’re living in Germany as a student, worker, entrepreneur, or new immigrant, this conversation will help you understand:

• How Inkasso cases actually start

• How SCHUFA entries can damage your credit score

• Why electricity bills (Stromabrechnung) are sometimes estimated — and what to do about it

• How to deal with letters from the Finanzamt

• Why reading and responding to official letters is non-negotiable in Germany

• How to negotiate large bills

• How to request installment payments (Ratenzahlung)

• What to do when you don’t understand a German letter

🎧 Follow the conversation on Setlinn: https://setlinn.com

If this episode helps you, share it with someone who recently moved to Germany. You might save them from a serious mistake.

Disclaimer:
This episode reflects personal experiences and is for informational purposes only. It does not constitute legal or financial advice. Always verify information independently or consult qualified professionals when necessary.

How to Save Money in German Supermarkets

Many people in Germany believe that expensive brands automatically mean better quality — but that’s not always true.

In this episode, we break down how you can save serious money in German supermarkets simply by choosing store brands (Eigenmarken) instead of famous logos. Inspired by a German documentary, we discuss real product comparisons between big-name brands and supermarket own brands from Aldi, Lidl, Rewe, Edeka, Netto, DM, and Rossmann.

You’ll learn:

• How many Germans cut their grocery bills significantly
• Why store brands are often produced by the same manufacturers as expensive brands
• How to read labels smarter and shop more intentionally
• How one family saved almost €500 per month by changing how they shop

If you’re a student, expat, or immigrant living in Germany — or planning to move — this conversation will help you spend wiser and stretch your budget further.

Follow Immigrant Hub Germany for more honest conversations about studying abroad, visas, relocation, and building a life in Europe.

Disclaimer: This episode is based on publicly available information and personal experiences. It is not financial or legal advice. Please always do your own research before making decisions.

Moruff shares his inspiring journey from Nigeria to Germany—and how his master’s thesis won a Best Master’s Thesis Award one year after graduation.

In this episode, Moruff breaks down how he studied in Germany with a DAAD scholarship, applied for additional scholarships while already in Germany, and what truly makes a master’s thesis stand out in German universities. He also opens up about challenging a thesis grade, publishing academic research, and how discipline, consistency, and persistence paid off in the long run.

In this episode, you’ll learn:
• How DAAD scholarships work for students in Germany
• Applying for scholarships after arriving in Germany
• What examiners look for in an outstanding master’s thesis
• Academic lessons for Nigerian and international students
• Why long-term consistency matters more than quick wins

This conversation is a must-listen for students planning to study abroad or already navigating life and academics in Germany.

🎧 Follow Setlinn for more real stories on studying abroad, visas, relocation, and life in Europe.

⚠️ Disclaimer: The information shared is based on personal experiences and may not apply to everyone. Always conduct your own research before making decisions.

Germany Opportunity Card (Chancenkarte): The Reality After 8 Months in Germany

The Germany Opportunity Card Visa (Chancenkarte) is often marketed as an easy pathway to jobs and settlement in Germany — but the reality can be very different.

In this episode, we share a raw and unfiltered experience after 8 months in Germany on the Opportunity Card.

Adam, an immigrant from Algeria, breaks down the real challenges many Opportunity Card holders face: employers who don’t understand the visa, job applications that lead nowhere, being ghosted even after interviews, and why German language skills often matter more than degrees or work experience.

🔗 Read the full guide:
A Comprehensive Guide to the Germany Opportunity Card
https://setlinn.com/explore/post/a-comprehensive-guide-to-the-opportunity-card-in-germany

Join the conversation on Setlinn:
https://setlinn.com

Follow/Subscribe for honest conversations about studying abroad, visas, relocation, and life in Europe.

🎧 Recommended episodes:
• Study in Italy on a Fully Funded Scholarship (Master’s with HND)
https://youtu.be/-do8gc5H_J8

• If You Want to Study Abroad, START Doing This
https://youtu.be/4u32CZjqr4E

Disclaimer:
The information shared is based on personal experiences and may not apply to everyone. Immigrant Hub Germany and its representatives are not licensed consultants and are not liable for any outcomes resulting from the use of information shared. Always conduct your own research and verify official sources before making decisions.

From HND in Nigeria to a Fully Funded Master’s in Italy

Many people believe you cannot study for a Master’s degree abroad with an HND — especially without money.
In this episode, Cynthia shares her real-life journey from HND in Nigeria to a fully funded Master’s degree in Italy

In this episode, we talk about:
• How she moved from HND to a Master’s in Italy
• What the Italian fully funded scholarship really covers
• The documents required for the scholarship
• Why having very high grades is not always compulsory
• How Nigerians and Africans can study in Italy for free
• Common myths about studying abroad with HND

At Immigrant Hub, we share real stories — not theories — to help you see what is possible and how to prepare.
If others have done it, you can do it too, with focus, consistency, and the right guidance.

🔗 Join the conversation on Setlinn: setlinn.com

🎙️ Listen, follow & share this episode with someone who needs clarity about studying abroad with an HND.

Disclaimer:This episode is based on personal experience and may not apply to everyone. Viewers are advised to carry out their own research before making any decisions.

If You Want to Study Abroad, START Doing This Now!

Many people dream of studying abroad in Europe, America, or other countries, but very few are willing to do the work it actually takes. In this video, we break down what successful students do differently and the simple habits you must start practicing if you truly want to study or work abroad.

If you’re planning to:

• Study abroad in Europe
• Apply for a student visa
• Study in Germany, Italy, or other European countries
• Move abroad from Nigeria, Ghana, Kenya, Tanzania, or anywhere in Africa
• Avoid agents, scams, and misinformation

Then this video is for you.Follow the conversation on Setlinn: ⁠https://setlinn.com⁠

Watch next:

• How BSc Nurses Can Become Nursing Teachers in Germany → https://youtu.be/svJ8LDOB9CE
• How I Won the Erasmus Mundus Scholarship | NOHA Program → https://youtu.be/fLVMXIBdQ2U

Connect with Immigrant Hub Germany: Get real migration insights, practical guidance, and honest stories to help you make informed, empowered decisions about studying and working abroad.

From Nurse to Educator: How BSc Nurses Can Become Nursing Teachers in Germany

Becoming a nursing teacher in Germany might be the opportunity no one is talking about. With a growing shortage of nursing educators and new regulations taking effect by 2029, Germany is opening its doors to internationally trained nurses who want to transition from bedside care to the classroom. In this episode, we break down how BSc-qualified nurses—especially from Nigeria, Ghana, Kenya, Uganda, and beyond—can move into nursing education, earn more, and build long-term career stability in Germany.

In this video, you’ll learn:

• Who qualifies to become a nursing teacher in Germany

• BSc Nursing vs. Nursing Pedagogy: what’s the difference?

• How to apply for a Master’s in Nursing Pedagogy

• Student Visa vs. Work Visa: which path fits you best?

• How B2–C1 German language levels impact your chances

• How German nursing schools hire international educators

• Why nursing education is one of Germany’s most in-demand careers

Follow the conversation on Setlinn: https://setlinn.comWatch next:

• From Architecture to Aviation Design:My Journey in Germany → https://youtu.be/2EhcpI18NzE

• The Truth About Africans Moving Abroad → https://youtu.be/eTKx3WfFeto

Connect with Immigrant Hub GermanyGet real migration insights, practical guidance, and honest stories to help you make informed, empowered decisions about studying and working abroad.

The Dark Side of Migration: What No One Tells You

Migration is often painted as a dream come true — but behind the success stories lies a reality few talk about. In this episode, we uncover the hidden struggles many migrants face, from financial pressure and family sacrifices to broken promises by travel agents and the emotional toll of starting over abroad.

Follow the conversation on Setlinn: https://setlinn.com

Watch next:

• Why You Must Take Care of Yourself Before Helping Others → https://youtu.be/yourlinkhere
• The Real Struggles of Studying in Germany (with Emmanuela) → https://youtu.be/yourlinkhere

Connect with Immigrant Hub Germany:Discover real migration stories, uncover the truths of living abroad, and join a growing community dedicated to helping migrants make informed, empowered decisions about their future.