If you are going to a German public university outside Baden-Württemberg, Germany is close to tuition-free but has the higher insurance and proof-of-funds bill. Italy has a lower insurance cost and a proof-of-funds requirement that is no longer dramatically lower than Germany’s, but its tuition can add a real, variable cost Germany mostly avoids. Or let a scholarship cover the gap — several fully funded scholarships for Pakistani students pay enough to clear both countries’ requirements. Run both budgets with your own numbers — insurance, proof of funds, and your specific university’s tuition band — before deciding, rather than picking a country on reputation alone.