All students applying for federal assistance must submit the FAFSA (Free Application for Federal Student Aid).
Tuition scholarships are granted by the University of Rochester academic department to which the student is applying. These typically cover a specific percentage of tuition costs and are based on merit. Domestic and International students are eligible for these awards.
An assistantship is a form of financial assistance provided to graduate students in support of the student’s program, through either research assistantships or teaching assistantships.
Graduate fellowships are recognized nationally as a means to acknowledge and support outstanding graduate students in pursuit of their advanced degree objectives.
Employer tuition benefits may be available to you. Contact your employer’s benefits office for details. You are required to notify your financial aid counselor of any expected tuition benefits.
Our students are often excellent candidates for outside scholarships. Look to family employers, local foundations, clubs, and community agencies for scholarship opportunities. Students are required to notify our office of any outside scholarships that will be received during the academic year.
Listed below is information on several types of federal loans available to students, including the criteria associated with borrowing each type of loan.
It is important to pay attention to the academic year dates when applying for federal loans. For financial aid purposes, an academic year starts in the fall semester/quarter and extends through the summer of the following year. Depending on when you will be enrolling in your program, multiple applications may be required.
For example, if you start a program in the summer term, you will need to complete two FAFSAs, as your enrollment will cross two academic years. You’ll need to complete one FAFSA for the summer term, the end of one academic year, and one FAFSA for the fall term, the beginning of a new academic year. Fall 2018 is the start of the 2018–2019 academic year.
To be eligible for federal student loans, you must be:
• US citizens or permanent residents.
• Enrolled at least half time (6 credit hours per term) in a degree-granting program.
Please note: Audited courses do not count in determining enrollment status.
Review additional information on the Federal Direct Unsubsidized Loan option, including interest rates, fees, and borrowing limits on the Loans page.
Graduate students can borrow a PLUS Loan to help pay for their education expenses as long as they:
Review additional information on the Graduate PLUS loan option, including interest rates, fees, and borrowing limits on the Loans page.
State educational loans:
Review additional information on the State Educational Loan options on the Loans page.
These educational loans are offered by banks and educational lenders as a supplement to (not a replacement for) federal student loans. Alternative loans may also be referred to as “private educational” or “supplemental” loans, as they are not affiliated with federal or state loan programs.
International students will most likely need to secure a private/alternative loan with a US cosigner. If you do not have a US cosigner, please try to obtain a loan through a bank in your native country, especially if they offer students loans in the United States.
Please note: The following types of students should speak to a financial aid counselor before pursuing alternative loans:
Review additional information on the Alternative Educational Loan options on the Loans page.