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When it comes to travelling the world, there are few experiences compared to a student exchange.

When it comes to travelling the world, there are few experiences compared to a student exchange. You can spend a semester or a full year in a foreign country, making friends, learning the language and experiencing a new culture every day – all while working towards your degree.

Here are five Canadian students and their take on why going on exchange was the best decision they ever made.

Name: Jen Redrup, 21

Home University: University of Ottawa

Exchange University: Université de Liège, Belgium

Program: French & History

Favourite memory: I think my favourite memories from my time abroad are the pizza nights my Belgian roommates and I used to have. We would all order pizza together and it would take so long to arrive that by the time it did we were all so excited and we would all sit in the living room and talk and laugh and eat and just enjoy each other’s company. It was these nights that I really felt I was a part of the country and a part of the culture. I felt like I belonged. It was really amazing.

Biggest challenge: Essentially going it alone. Especially when you first arrive you feel completely alone; you have no support system and you are completely out of your comfort zone and that’s very difficult to get through. I did some smaller trips by myself and that was also quite a challenge. Being somewhere completely new where you have to rely solely on yourself is really scary, but in the end I found it incredibly empowering.

Money management: I opened up a bank account when I was in Belgium just to be able to pay my telephone bill there, but other than that it wasn’t really necessary. I had easy access to funds through my Canadian debit card, the banks just charge you a fee for using a card that isn’t theirs, plus a conversion fee. I had saved up a bunch of money before I left for the exchange and my parents were able to transfer me money into my Canadian account when I needed a little extra and I was easily able to take out the money in Euros.

Advice for future students: Whatever it is, just do it. Whether it’s going on the exchange, going out for drinks with a group of people you just met, taking small trips, exploring a new city… whatever it is, do it. You learn so much about yourself and the world around you by just throwing yourself in there and doing it even when you don’t feel like you’re ready. You are a lot more capable than you think you are.

My favourite memory was probably a day-long bike ride I took one day with friends. We biked through some small towns and farms in the Netherlands and ended up finding a nice park and having a picnic. The sun was out and the weather was beautiful that day, which doesn't always happen in the Netherlands. It was just a really happy day that I look back on a lot.

Name: Robert Mackenzie, 21

Home University: Ryerson University, Toronto

Exchange University: Hogeschool Utrecht, the Netherlands

Program: Journalism

Favourite memory: My favourite memory was probably a day-long bike ride I took one day with friends. We biked through some small towns and farms in the Netherlands and ended up finding a nice park and having a picnic. The sun was out and the weather was beautiful that day, which doesn’t always happen in the Netherlands. It was just a really happy day that I look back on a lot.

Biggest challenge: The biggest challenge was dealing with homesickness. I had never lived away from family before; so living on my own in a new country with a new language was something I had to adapt to. I think homesickness is pretty natural for most people who do something like this. For me, being around people and friends always helped whenever I wasn’t feeling my best. It helped that I spent the majority of my time with a group of international students dealing with similar issues and feelings.

Money management: I was able to use my home bank account. I had to switch from a student account to one that allowed me to withdraw cash anywhere without fees. For any non-cash purchases I just used my Visa. I also got a small scholarship from my school that basically paid for my flight and a month of rent, so that helped a lot too.

Advice for future students: My advice for future students would be to just enjoy it as much as possible. You might get homesick from time to time, you might be worried about money and budgeting at other times, but you have to realize that this is an opportunity and experience that you likely won’t be able to recreate in the future. So travel as much as you can, make as many friends as you can and try and make as many happy memories as possible.

Name: Angelica Land, 22

Home University: Carleton University, Ottawa

Exchange University: Monash University, Melbourne, Australia

Program: Criminology and Criminal Justice

Favourite memory: My favourite memory was definitely Surf Camp, held by a club at the university called the Monash Board Riders. We spent a weekend at Venus Bay where both exchange students and domestic students learned the basics of surfing during the day, and were split up into teams to play games at night. It was an amazing opportunity to watch and learn from experienced surfers.

Biggest challenge: I would say the biggest challenge from my exchange happened in the first couple days. I really had to get used to feeling uncomfortable in an unknown place. I decided the only thing I could do was put myself out there and attend all the exchange student events, which was definitely worth doing!

Money management: Managing money was also a big challenge. It’s important to be realistic when planning out your finances. There are, of course, ways of saving money but I wouldn’t recommend missing out on potentially once-in-a-lifetime experiences to save a buck. You’re on the other side of the world, spend the money on the road trip. In terms of banking, I chose to open an Australian bank account but I also used my credit card for purchases.

Advice for future students: I would recommend doing tons of research of things you’d like to do while you’re there. Make a bucket list and check off as many things as you can; before you know it, you’ll be halfway done your exchange with nothing checked off. Don’t be afraid to put yourself out there. All exchange students are in the same boat as you and are looking to meet new people. Don’t be shy; everyone is looking to make friends and the exchange community is especially welcoming.

Jenna Carter - Queen's University

Name: Jenna Carter, 21

Home University: Queen’s University, Kingston

Exchange University: St. Andrews University, Edinburgh, Scotland

Program: International Relations

Favourite memory: My favourite memory from being away in Scotland would have to be my day trip to the Scottish highlands. Ever since watching the flying car scene in the second Harry Potter movie, I have been dying to see the filming location. I was speechless when we saw the scenery – nothing can describe how beautiful it is in person.

Biggest challenge: Courses in Scotland are much more self-directed which forces students to be on top of their course material. I usually take five courses at Queen’s but at St. Andrews I am only taking two as the courses are much heavier. The course load was tricky at first because of how open it made my schedule. It took me the first month to learn how to manage my days so I would treat school like a nine-to-five job.

Money management: I was awarded the Robert T. Jones Jr. Scholarship through Queen’s University to help offset tuition costs and the Val Hanbidge Keast Scholarship to help cover travel costs. I also worked during the summer which helped me save up money to fund parts of this exchange. Since I am on a full-year exchange, it’s been quite convenient to get a UK bank account as it prevents unnecessary international fees.

Advice for future students: Try to take every opportunity to travel as much as you can. There are so many incredibly helpful websites like Rome2Rio, Skyscanner, Gogobot and Kiwi that are great for budget trip planning.

Name: Emma Moroni, 21

Home University: University of Guelph

Exchange University: Université de Nice Sophia-Antipolis, Nice, France

Program: French Literature

Favourite memory: My fondest memories happened in and around Nice. I was so blessed to have had the opportunity to live in a place that was not only surrounded by the sea but also had the mountains. One day we went hiking in a place called Valberg – a beautiful little ski town in the mountains. Having just recently moved to France, and having undergone the stress of trying to figure out my new life, the stillness and freshness of the mountain air was almost dreamlike.

Biggest challenge: The biggest challenge that I had to overcome was when I had medical issues. Before leaving for France, my dentist had warned me that I may need to get my wisdom teeth out. Lo and behold, while I was in France they both got infected. Because I was absolutely terrified even thinking about the idea of having to book an appointment with a French dentist, I put it off as long as possible. Not the smartest decision, let me tell you. Eventually one day, they were both so infected that I couldn’t even eat anymore. That was the moment that I realized I had to suck it up and face my fear of the French language. And I’m glad I did, because not only did I get medication for my teeth, but I also became friends with the dentist and even gained the confidence to book myself a haircut!

Money management: I opened up a French bank account which made it easy to withdraw money without extra charges. In order to try to have a little bit of spending money, I also tutored two French children in English twice a week. The family paid me quite generously and they were the kindest people I have ever met.

Advice for future students: Get out of your comfort zone. As cliché as that sounds, do it. Do things that scare you. I was terrified at the idea of having to depend solely on myself but I conquered my fear, and it was the best decision I’ve ever made. I travelled solo to three countries and six cities. You not only get to do things at your own pace, but you also make wonderful friends. The most important advice I can give you is to truly live in the moment. Savour every sound, every view, every food, because before you know it, you’ll be wishing you were back there.

For more student finance tips and information visit RBC's Student Hub.