The Cost

The Cost of College

We understand that the decision to invest in a quality education is substantial. That’s why we provide a sound program of need-based financial assistance.

Typical packages include scholarships, grants, loans, work study, and outside awards.

The table below outlines the estimated cost of attendance for an incoming freshman for the academic year. A breakdown of the cost of attendance figures for the 2014–2015 academic year is provided here as figures for the 2015–2016 academic year have not yet been finalized. These figures will be updated once the costs for the new academic year have been approved.

Cost Breakdown: 2014–2015

ItemExpected Cost
Room & Board$13,708
Indirect Costs (Books, supplies, etc.)$1,310
Other Expenses$990

Paying for college is more straightforward than you might expect!

The next few pages should provide you with all the information you need to get the most from your financial situation and help ensure you can attend the university you want.

Of course, if you want more assurance, you can always contact us.

Merit vs. Need

Merit vs. Need

Like many colleges and universities, we distinguish between two types of financial assistance: support based on merit and support based on need. Merit-based assistance usually takes the form of scholarships, while need-based aid is typically awarded as grants, loans, work study, etc.

The College of Arts, Sciences and Engineering awards all merit-based scholarships. Questions about merit-based scholarships should be addressed to the Office of Admissions. The Financial Aid Office evaluates eligibility for need-based assistance and sends award notices. A financial aid offer from the University often includes both types of aid.

Merit-based aid is automatically reapplied to your financial package each year. However, since your family’s financial situation will likely change from year to year, you must reapply for need-based aid each year.

You Should Also Know…

  • Every application is individually reviewed so that factors such as assets, family size, and number in college are considered, in addition to the family income.
  • We distribute merit-based aid regardless of a family’s demonstrated financial need.
  • Like most private universities, the University uses an Institutional Methodology (IM) to calculate an expected family contribution (EFC). This means the EFC at Rochester will be different from that provided by other sources, depending on each family’s individual circumstances.
  • Students who complete all application materials on time and are admitted to the University will receive a financial aid award letter shortly after their notification of admission. Late applicants may not receive their award letter until after the May 1 deposit deadline, so it’s important to keep track of deadlines.

Merit Scholarships

Merit Scholarships (Merit-Based Aid)

The University of Rochester awards merit-based scholarships to freshman and transfer students who demonstrate outstanding academic achievement and potential, regardless of financial circumstances. Merit scholarship amounts range from $2,000 per year to full tuition.

All admitted undergraduate applicants to the College are considered for merit scholarships. Merit scholarships are awarded to students during the admission process and renewed annually if satisfactory academic performance and full time status is maintained. Students are eligible to receive only one scholarship. Students who receive annual scholarships of $15,000 or more have a GPA requirement of 3.0.

If you qualify for University of Rochester tuition benefits:

If at least one of your parents is an employee of the University of Rochester, you may be eligible for dependent child tuition benefits. Since both the benefit and scholarship funds can help with the costs of tuition only, you may be eligible to receive a combination of tuition benefit and scholarship funds that can approach or match, but not exceed, the cost of tuition. It is our policy that tuition benefits must be applied to your bill before merit scholarships. University of Rochester tuition benefits and scholarship funds cannot be applied to non-tuition related expenses, e.g. housing and dining services. Read more information on tuition benefits.

Click below to learn more about the merit scholarships we offer:


Jessica Cohen ’15
Rush Rhees Scholarship
Pittsburgh, PA
Major: Neuroscience
Clusters: Psychology and Music
Activities: Ski Club; BCS Undergraduate Council

Why did you choose the University of Rochester? “Rochester is a very strong school academically, but the main feature that stood out to me was the cluster system. Not having to design my schedule around some unwanted history credit and instead being able to take an interesting psych class instead is great. Additionally, I like the size of the school — it’s small enough to provide a much more personal feel than a campus of 40,000 students, but not so small as to be claustrophobic. Plus, the campus is beautiful in the spring when the cherry blossom trees start to bloom.”

What do you think best prepared you for life at the University of Rochester? “Taking AP and IB courses. When teachers and counselors say that classes in college are different than they are in high school, they’re telling the truth. There may be less homework in college, but having effective study skills is really important in order to balance success in class and fun outside of it (especially in the sciences). AP and IB classes helped me to develop the basis for these skills.”

When you applied for admission, what accomplishments did you hope would be recognized by the Office of Admissions? “Musically, I was proud to be the leader of my section in band and to be the manager of the musical’s pit my senior year. Academically, I maintained a 5.0 (out of 5.0) throughout high school and was one of the valedictorians of my class. I had completed the National Novel Writing Month challenge (50,000-word novel in 30 days) four times by the time I started applying. These were all accomplishments I’d worked hard for, and I hoped I’d communicated that effectively to Admissions.”

Dean’s Scholarship
Winners of Dean’s Scholarships have demonstrated both academic achievement and the potential to make unique contributions to Rochester student life. The Dean’s Scholarship is a reward for students’ hard work in high school and a statement of our trust in their continued success here on campus.

Genesee Scholarship
Named for the river surrounding our campus, the Genesee Scholarship aims to answer some of the financial challenges a research-university education may present over four years. Genesee Scholars will shape our residential and academic communities and inspire their teachers and classmates, helping to make the University of Rochester “ever better.”

Renaissance & Global Scholarship
Renaissance & Global Scholars are an exceptional group of students who come to Rochester from across the United States and all around the world. Not only are they academic all-stars, but they also have unique backgrounds that add to the diversity of our student body and extraordinary life experiences that enhance the classes in which they are enrolled.
Watch a video of Renaissance & Global Scholar, Anna Parker!

Rush Rhees Scholarship
Benjamin Rush Rhees was University president from 1900 to 1935. He helped establish the three complementary Rochester campuses: our College home on the beautiful River Campus, the adjoining Medical Center at Strong Memorial Hospital, and the world-renowned Eastman School of Music in downtown Rochester. We believe Rush Rhees Scholarship winners will bring similar vision and broad interests to the University community.

Wilder Trustee Leadership Scholarship
Named after John Wilder, the first President of the Board of Trustees, this scholarship recognizes students who demonstrate academic excellence (rigor, grades) and extracurricular achievement. Recipients of this scholarship must have demonstrated continued leadership in at least one of the following areas: clubs, scouts, student government, community service, or sports. These students have the potential to make strong, unique contributions to Rochester student life.

Jaclyn CapitaJaclyn (Jackie) Capita ’18
Rochester Early Collegiate Scholarship
Rochester, NY
Major: Neuroscience with a possible minor in Legal Studies 
Activities: Off Broadway On Campus, Badminton Club, and the Rising Leader Program

What do you think best prepared you for life at University of Rochester? Without a doubt in my mind I would say participating in the Pre-College Programs over the summer definitely prepared me for my life at the University of Rochester. I did Pre-College Programs all four summers of my high school years. Through participating in this program, I gained valuable skills that made me more curious, collaborative, sociable, and open-minded. The people, the environment, and the knowledge all really inspire you to learn more and to do more. I recommend this to any student who wants to experience something new and fun over the summer, who wishes to experience a little taste of the profession they are interested in, or who just want to get the feel of a college campus!”

What are your future plans at UR? “My future plans are to hopefully study abroad my junior year in perhaps Belgium or England. I am also hoping to start doing research in the field of Neuroscience in my sophomore year. In addition to this, I would love to become a Pre-College counselor for the summer of 2015 and also take part in the Take 5 program and major in either Music, Psychology, or English.” 

Meliora Alumni Scholarship
The Meliora Alumni Scholarship exists to recognize admitted children and grandchildren of University of Rochester alumni. Their contributions as a new generation of students will help us shape Rochester for the future, while also honoring our unique traditions and history. Completion of the Meliora Alumni Scholarship Application is required for consideration. Click here for the application.

Rochester Early Collegiate Scholarship
Students’ early exploration and connection to Rochester through a summer program, along with their excellent academic record, makes them ideal additions to campus. This scholarship recognizes that they have the skills of a Rochester student and is a statement of trust in their continued success here on campus. We look forward to seeing what they accomplish here.


Kaia WilliamsKai Williams ’18
FIRST Robotics Scholarship
Grand Junction, CO
Major: Optical Engineering
Activities: FIRST Robotics, FIRST LEGO League, Optical Society of America, UR Robotics Club

Why did you choose the University of Rochester? “I originally found out about the U of R as a result of my participation in FIRST Robotics. The University of Rochester offers one of the most generous scholarships available to FIRST students, and receiving it made college much more affordable to me. When I visited campus, the faculty and staff were the most welcoming and accommodating I’d ever met at any school: they gave me an impromptu tour of the Optics labs after I’d stopped into a faculty member’s office on a whim, and I was enamored of the campus as soon as I took my first tour.”

When you applied for admission, what accomplishments did you hope would be recognized by the Office of Admissions? “In my application, I tried to stress that rather than being a “jack of all trades,” I’d tried to focus instead on accomplishing great things in a few different activities. I focused on the fact that I was a Dean’s List finalist in FIRST Robotics, an IB Candidate, and a leader in my local community. I hoped that these qualities would show that I really gave my all in what I attempted. I hoped that these qualities would provide an accurate reflection of who I was, and that Admissions could then decide if I was a good fit for the U of R.”

FIRST Robotics Scholarship
Students who participate on a FIRST team and have an excellent academic record, make ideal additions to campus. The creativity, inventiveness, and drive necessary to succeed on a FIRST team will also help them to succeed at Rochester. Get more information about the FIRST Scholarship Program. Completion of the FIRST Scholarship Application is required for consideration. Click here for the application.

Prince Street Scholarship
The Prince Street Scholarship, named after the original campus location in the Arts District of downtown Rochester, recognizes high academic achievers who possess an outstanding creative capacity in one or more artistic fields. These are awarded to qualifying students regardless of their intended major or career path.

Simon Scholars Case Award
This $15,000 scholarship is awarded to winners of an annual case competition event. Students who receive this scholarship and are admitted to the Simon Business School after successful completion of their undergraduate program will continue to receive the award for any full-time MBA or master’s degree program. Get more information.

STEP Scholarship
The University of Rochester is proud to offer this scholarship to participants in the Science and Technology Entry Program (STEP) to help bring them and their unique talents and perspective to campus.

Steven J. Harrison Scholarship
This 1/3 tuition scholarship is awarded to students admitted to the GRADE (Guaranteed Rochester Accelerated Degree in Education) Program, a five-year BA/BS + MSEd program for students interested in becoming educators. The University of Rochester is honored to offer this scholarship in memory of Steven Harrison, a 2000 graduate of the College and a 2001 graduate of the Warner School’s English teacher education program. He was a dedicated teacher at East High School and was taking leadership classes at the Warner School as he pursued a second master’s degree and certification as a school administrator when he passed away in 2006. Get more information on GRADE.

Whipple Science & Research Scholarship
This scholarship is named after George Hoyt Whipple, Professor of Pathology and Dean of the School of Medicine and Dentistry at the University of Rochester in 1921.Whipple was a successful scientist and one of three researchers awarded the Nobel Prize for Physiology or Medicine in 1934 for his work on regeneration of blood and the treatment of anemia.

Youth Orchestra Scholarship
This award is given to outstanding students who have demonstrated musical excellence and commitment through participation in a regional youth orchestra and who intend to pursue a significant academic challenge in a discipline other than, or in addition to, music.


Natajah Roberts ’14
Jesse Moore Urban League Scholarship
Cleveland Heights, OH
Major: English
Minor: Movement Studies
Clusters: Brain and Cognitive Sciences; History
Activities: Phi Sigma Sigma sorority, Volunteer Coordinator for ArtAwake

What do you think best prepared you for life at University of Rochester? “I was homeschooled from third–ninth grade, so I’ve always had a fluid definition of “learning” and “education.” During my junior and senior year of high school I took a few classes at a local university for both high school and college credit. It was a great opportunity for me to see the level at which I was expected to work in college, but also to understand that learning is more of a personal experience and less of a requirement.”

What unique opportunities have you taken advantage of at UR? “I was lucky enough to be elected as Volunteer Coordinator for ArtAwake and it was a great experience. A group of about 12 students locate an abandoned space in the city of Rochester and use it to host a one-day art and music festival in the spring. This year it was held at the former Rohrbach’s Brewery building with about 14 bands playing throughout the day and over 200 pieces of art from students and residents of Rochester. It’s one of the many UR-sponsored events that I think everyone should experience.”

Ahora Scholarship
Ahora winners are academically excellent students from Latin America and the Caribbean who will bring unique experiences and perspectives to our campus community.

Haudenosaunee Nations Scholarship
The Haudenosaunee Nations Scholarship is awarded to academically excellent students coming to Rochester from one of the six nations: Mohawk, Oneida, Onondaga, Cayuga, Seneca, or Tuscarora. The University is proudly centered near the Western Door of the Seneca Nation. The scholarship is a reward for their hard work in high school and an investment in their continued success here on campus.

International Baccalaureate (IB) Scholarship
IB Scholarship winners have excelled in one of the most rigorous college preparatory programs available. The IB Diploma Programme prepares ideal candidates to take advantage of the unique University of Rochester learning environment. This award is an acknowledgment of their hard work and determination.

Jesse Moore Urban League Scholarship
This scholarship is awarded in partnership with Urban League affiliates on the basis of students’ academic and personal achievements and life experiences. The award is named after Professor Emeritus Jesse Moore, for his commitment to helping students excel and train for continuing leadership. He is a long-time supporter of the Urban League and documented the early years of the movement as part of his academic work. The University of Rochester shares the National Urban League’s goal to ensure that our nation’s youth are well-educated and equipped for economic self-reliance in the 21st century.

Lorenzo de Zavala Scholarship
Through a partnership with the National Hispanic Institute, the University is proud to offer this scholarship as an incentive for students to bring to our campus the skills they gained through participation in the Lorenzo de Zavala Youth Legislative Session, one of the NHI’s summer programs. Get more information.

Native Peoples Scholarship
Winners of the Native Peoples Scholarship are academically excellent students who are involved in studying, promoting or supporting Native American, Alaska Native, Native Hawaiian and other Pacific Islander (including Melanesian, Polynesian, Chamorro, and Samoan) cultural heritage, community, and study.


Eric Davis ’16
Joseph C. Wilson “Change” Scholarship
Newton, MA
Major: Financial Economics
Minor/Clusters: Business
Activities: I am in the Theta Chi fraternity and I was a staff writer for the campus times. In addition, this year I plan to be involved with Colleges Against Cancer as well as the Finance and Economics Council.

When you applied for admission, what accomplishments did you hope would be recognized by the Office of Admissions? “I really wanted Admissions to notice I care for my community, as well as others outside of it. Throughout high school I participated in many different services to help others. These include working in the preschool at my high school, coaching baseball and basketball, Invisible Children, and working with Native Americans in Montana. I felt these activities defined me as a person, and I was glad that Admissions was able to notice them.”

What piece of advice would you give to a prospective student interested in the University of Rochester? “Anyone interested in the University should try to stay overnight with a current Rochester student. For me, this was the main way I came to my choice. I was able to meet all kinds of people and get a feel for how the school is run behind the scenes. In addition, this allowed me to ask the students many questions, which helped me better understand the school.”

7th Generation Scholarship
The “7th Generation” Philosophy of sustainability comes from the Haudenosaunee (Iroquois) Confederacy and many other Indigenous peoples of North America. Haudenosaunee leadership must consider the impact their decisions would have on the seventh generation to come. This scholarship, in honor of the Haudenosaunee, is designed for students who have explored and promoted these same values of environmental action and sustainable development.

Harper Scholarship
Martha Matilda Harper was a 19th century entrepreneur who lived in Rochester. Having worked as a servant girl in her youth, Harper rose above the confines of poverty, launching over 500 beauty shops throughout the world under her innovative business model—creating the first retail franchise in America. The Harper Scholarship is for students who have demonstrated interest and leadership in expanding political, social, and economic equality for women worldwide.

Joseph C. Wilson “Change” Scholarship
In 1968, Xerox founder Joseph C. Wilson (UR Class of ’31) issued a famous directive affirming the importance of workplace diversity—a commitment still sustained today, with University Trustee Ursula Burns serving as the first African American woman CEO of a Fortune 500 company. Wilson “Change” Scholarships recognize a continuing need to acknowledge, celebrate, and promote integration and diversity in the workplace and on campus. Wilson Scholars demonstrate leadership by promoting bridge-building dialogues across racial, ethnic, religious, cultural, and linguistic lines in diverse environments.

Mock Trial and Model United Nations (MUN) Scholarship
Winners of Mock Trial and Model United Nations (MUN) Scholarships are academically excellent students who have a history of participation and leadership in these worldwide debate programs.

Rochester Pledge Scholarship
The University has a proud history of patriotism: Francis Bellamy, author of the original Pledge of Allegiance, graduated from Rochester in 1876. Continuing that legacy, the Rochester Pledge Scholarship ensures that the sacrifices veterans have made in order to serve our country do not go unnoticed. Check out our Resources for Veterans for more information.


Nahoma Presberg ’15
Rochester Promise Scholarship
Rochester, NY
Major: Psychology, American Sign Language (ASL)
Minor: Brain and Cognitive Sciences
Activities: LOGOS literary magazine; Publicity Manager; Partners in Reading; ASL Club; GRADE

What do you think best prepared you for life at the University of Rochester? “While it is hard to pinpoint one thing that prepared me for life at the University of Rochester, learning to work with my teachers to understand the material the best that I could greatly attributed to my success at UR. While professor/student relationships are very different in a university setting, it is important to figure out your learning style and work to your strengths in order to maximize success.”

Why did you choose the University of Rochester? “I chose the University of Rochester because I like the size of the school and I like the programs that it offers. I am also a part of the Guaranteed Rochester Accelerated Degree in Education program, also known as GRADE. Through this program, I look forward to completing my master’s degree in education in my fifth year.”

Rochester Promise
The University of Rochester has renewed the Rochester Promise, a tuition-free scholarship program available to Rochester City School District graduates. Rochester Promise is one of several tuition-assistance programs and partnerships the University offers to first-generation and low-income college students nationwide. Read the press release.

Say Yes to Education
The University of Rochester is a proud partner of the Say Yes to Education Program. Say Yes students who are admitted to the College, including all qualified graduates of the Syracuse and Buffalo City School Districts, and whose family income is less than or equal to $100,000, will receive full tuition funding through a combination of federal, state and university grants. This partnership highlights the University’s commitment to fostering quality education and providing exciting opportunities for all students, including those from financially-challenged urban school districts.

Wilson IB Scholarship
The Wilson IB Scholarship represents a historic partnership between the University of Rochester and the Rochester City School District, celebrating the achievements of students who meet the challenge of one of the world’s most demanding high school curricula. Established in 2004, the scholarship provides full tuition to students who have successfully completed the International Baccalaureate diploma at Wilson Magnet High School.

Hillside Work Scholarship
The University of Rochester is proud to offer this award to participants in the Hillside Work-Scholarship Connection, in recognition of their achievements both in school and in the community. We have no doubt that their careers at Rochester will be filled with similar accomplishments.

Rochester Rotary Oratorical Scholarship
This scholarship recognizes those that have the trademark skills of a Rochester student, clearly evidenced by the confidence, eloquence, and poise they have displayed by participating in the Rochester Rotary Oratorical Contest on Ethics.


Ha Hyung (Harry) Lee ’16
George Eastman Young Leaders Scholarship
Sunderland, MA
Major: Chemical Engineering 
Activities: Delta Upsilon fraternity, business manager for the American Institute of Chemical Engineering and STEM Initiative, building manager for Wilson Commons

Why did you choose the University of Rochester? “The moment that I visited the U of R, I instantly knew that I belong here. It’s a bit cliché, given how many college students say that in their testimony of their future Alma Mater, but it is very true. The university combines the beauty of the rustic scenery and the vivacity of an urban city. Furthermore, the lack of general education requirements told me that the University wants me to pursue whichever subject I feel most passionate about.”

What was your favorite class in high school, and why? “My favorite class in high school was history. Like the saying “to move forward, we must look backward,” I learned that lessons in history could be applied in the future as well. I love the fact that one historical event does not happen independently; instead, it happens by the repercussion of many other events that preceded it.”

What do you think best prepared you for life at the University of Rochester? “My internship at a polymer research lab helped prepare me for life at U of R. During my time there, I learned that I am really interested in that type of research and that allowed me to foresee myself as a future engineering student.”

High School Awards
The University of Rochester is pleased to sponsor four prestigious high school award programs which recognize outstanding achievements in leadership and academics. Each year, participating high schools may nominate up to four qualified juniors, one for each of these awards. Of the nominees admitted to the University of Rochester, a select group of scholars are chosen to receive these merit scholarships

Bausch + Lomb Honorary Science Award
Every year since 1933, Bausch + Lomb and the University of Rochester have given this award to honor outstanding high school students who have demonstrated excellence in the sciences.

Frederick Douglass and Susan B. Anthony Award in Humanities and Social Sciences
The University of Rochester honors outstanding high school students who have made a commitment to addressing difficult social issues through study, action, and dialogue.

George Eastman Young Leaders Award
Every year, the University of Rochester honors outstanding achievement by high school students in leadership and academics with the George Eastman Young Leaders Award.

Xerox Award for Innovation and Information Technology
The University of Rochester honors exceptional high school students who have demonstrated outstanding achievement in the pursuit of innovative approaches and an appreciation for the possibilities of technology.

Learn more about the High School Awards program.

Jaemoy GreyJaemoy Grey ’17
Phi Theta Kappa Scholarship
Pembroke Pines, FL 
Major: Financial Economics 
Activities: Undergraduate Finance and Economics Council, UR Entrepreneurs, and Meliora Capital Management

What do you think best prepared you for life at University of Rochester? I was just an average college student with average dreams before joining Phi Theta Kappa Honors Society. After becoming a member of the society not only did my dreams blossom but my character and work ethic as well. With complete confidence, I can say that it was Phi Theta Kappa Honors society that prepared me for life at University of Rochester.”

After completing your degree at University of Rochester, what will you miss the most about UR? So far, I am in love with the many activities I can engage in at any given time, along with the beautiful campus and people. I can only hope that my next destination in life will have such beautiful views, and people such as those of U of R. I will miss both the beautiful architecture and the friendly people.”  

CollegeBound Scholarship
The University of Rochester has partnered with CollegeBound to identify well-rounded students from select schools who are eager to contribute to our campus community. The CollegeBound Scholarship provides qualified students with the opportunity to receive a first-rate education at a lesser cost.

National Merit Scholarship
This scholarship recognizes students who achieve Finalist status with the National Merit Scholarship Program and designate the University of Rochester as their first-choice college.

Phi Theta Kappa Scholarship
This scholarship is awarded to transfer students who are inducted members of the Phi Theta Kappa honor society. The University of Rochester is committed to recognizing the outstanding accomplishments of two-year college students in their quest for academic excellence, leadership, and service. As members of Phi Theta Kappa, these scholarship recipients have demonstrated great achievement and the potential to make strong and unique contributions to Rochester student life.

Raise Scholarship
Based on a partnership with Raise and student participation, all admissible students will be automatically considered for this scholarship. The micro scholarship is awarded for several areas that include academic achievements, testing, college interaction, extra-curricular and community involvement throughout high school. The level of micro-scholarship will vary based on student participation.

TRIO Scholarship
The University of Rochester is proud to recognize the accomplishments of TRIO program participants. Their success is an indicator of commitment to their futures as scholars and citizens.

Need-Based Aid

Need-Based Financial Aid

The University of Rochester is committed to meeting the full demonstrated need of all admitted students. We achieve this through the use of scholarships, grants, loans, and work opportunities. While every student’s financial aid package is different, the following are some of the most common financial aid programs. Amounts will vary based on each individual student’s demonstrated need.

Federal Pell Grant
The Pell Grant is a federal program designed to assist students whose families demonstrate the highest need.

Federal Supplemental Educational Opportunity Grant (FSEOG)
FSEOG is a joint program between the federal government and the University to provide additional funding to those students whose families demonstrate the highest need.

New York State Tuition Aid Program (TAP)
TAP is a New York State grant program based on a family’s taxable income and the student’s level of study. In addition to the FAFSA, a separate TAP application is required by the state. The UR TAP filing code is 1015.

Higher Education Opportunity Program (HEOP) Grants
HEOP is a joint program between New York State and the University to provide grant funding for admitted state residents coming from disadvantaged socioeconomic and educational backgrounds. For more information, contact your high school guidance counselor or call the University’s HEOP office at (585) 275-0651.

State Grants
Certain states outside New York will allow their grant programs to be used at schools in New York. Contact your state agency for more information.

Rochester National Grant
In addition to the various federal and state grant programs, the University of Rochester commits significant funding to its own need-based grant program.

Rochester International (RI) Grant
UR commits significant resources to need-based grant funding for international students. Eligibility is based upon an assessment of your family’s institutional need.

Student educational loans were developed to assist students whose families cannot cover the full cost of education. They are designed to help ensure the student’s ability to repay the loan. Features include:

  • An interest subsidy (the federal government pays the interest while the student is enrolled at least half time)
  • A 6-9 month grace period (the federal government pays the interest for 6-9 months after the student graduates or withdraws)
  • Deferment options (for example, the student may defer the loan and not make payments while enrolled at least half time in graduate school)

Federal Perkins Loan
The Perkins loan program is a joint program between the federal government and the University designed to provide low-interest loans to assist students whose families demonstrate the highest need.

Direct Subsidized Loans
The Direct loan program is a federal program designed to provide students demonstrating financial need with a low-interest loan to help cover the cost of education.

Federal Work-Study Program (FWS)
FWS is a joint program between the federal government and the University providing opportunities for students to work during the school year to earn money to help cover their educational expenses. Opportunities are available across campus, as well as in the surrounding community. Students utilize the Student Employment section of the Financial Aid Office website to locate and apply for positions. Once hired, students are paid an hourly wage for work performed. There is a special emphasis on community service opportunities.

University Loans
The University has loan funding available for international students. These loans have a fixed interest rate to assist you in covering your college costs. These funds are limited and are awarded on the basis of your calculated need. Detailed information on the terms of these loans is sent under separate cover, with interest rates and repayment terms detailed.

Institutional Employment
Campus employment is not limited to the Federal Work-Study Program. Many students without FWS eligibility work in dozens of different departments on campus.

Unsubsidized Federal Direct Loan
The Direct loan program also offers an unsubsidized loan for students whose financial need is met through other resources (merit aid, family contribution, etc.). The interest on this low-interest educational loan accrues while the student is in school. The maximum yearly limit is determined by the Department of Education.

Federal Direct Parent Loan for Undergraduate Students (PLUS)
The PLUS program allows parents to borrow up to the cost of education minus any other financial aid offered. This loan offers an annual variable interest rate, and repayment begins 60 days after the second disbursement of the loan. Interested parents can access the online application. Parents will need a federal PIN to sign the application.

Alternative Loans
There are many private alternative loan options available. To learn more, please refer to the State Educational Loans page and the Alternative Loans page.

How to Apply

How to Apply for Need-Based Financial Aid

  • Complete the CSS PROFILE online at College Scholarship Service (CSS) PROFILE. The UR filing code is 2928. The CSS PROFILE is used to determine your eligibility for need-based University of Rochester grant funding. Because the PROFILE may include several steps, begin the process at least two weeks before the deadline.
    • Early Decision priority deadline: 12:00 am EST, December 1
    • Regular Decision priority deadline: 12:00 am EST, February 15*
  • Complete the CSS Non-Custodial PROFILE as instructed during the CSS PROFILE submission process. The Non-Custodial PROFILE is also used to help determine eligibility for need-based University funding.
    • Early Decision priority deadline: 12:00 am EST, December 1
    • Regular Decision priority deadline: 12:00 am EST, February 15*
  • Complete the Free Application for Federal Student Aid (FAFSA). The UR filing code is 002894. The FAFSA is used to help determine your eligibility for all federal aid programs.
    • Priority deadline for all students: 12:00 am EST, February 15
    • There is a useful option on the FAFSA called IRS Data Retrieval, which simplifies the application process for you. In order to utilize this option, you should file your FAFSA about two weeks after filing your federal tax return electronically. If you are unable to file the FAFSA using the IRS Data Retrieval process, please use the best possible estimates. You can always go back into the FAFSA once your taxes have been filed to update your estimates using the IRS Data Retrieval process.
  • We participate in the College Board’s IDOC service.
    • Applicants who are required to submit their 2014 tax information as part of their aid application will be contacted via email by the College Board with instructions and deadline information.
    • If you have submitted materials to IDOC for other schools, we will have access to those materials if we decide to request tax information.
    • If you are unable to submit your 2014 tax information to IDOC by the priority deadline of 12:00 am EST, March 1, be sure to submit your CSS PROFILE and FAFSA by the deadlines using estimates and send copies of your 2013 federal tax returns directly to the Financial Aid Office. Be aware that you will need to submit your 2014 tax information to IDOC as soon as you are able.
    • If you have questions regarding the IDOC process, email your counselor or visit the IDOC’s Frequently Asked Questions section on the College Board’s website.

*If you miss the deadline for your application, you can still apply for financial aid. Be aware that filing late will impact how quickly our office can review your information. We strongly encourage all students to apply by the deadline, as we are unable to guarantee full consideration for need-based University grant assistance due to limited funding. In all cases, do not wait for actual year-end income figures to file the forms. Use the best possible estimates to ensure you do not miss the priority deadlines.


General Awarding Guidelines

Students receiving merit- or need-based University scholarships/grants should be aware that certain restrictions apply:

  • Entering freshmen are limited to eight semesters of scholarship/grant assistance.
  • University scholarships/grants require full-time enrollment (at least 12 credits/semester).
  • University scholarships/grants are not available for summer coursework.



Early Decision Priority Deadlines (Applying for Fall 2015)

Priority DeadlineWhat We Need
12:00 am EST, December 1Submit the CSS PROFILE online at Our school code is 2928. The CSS PROFILE is used to determine your eligibility for need-based University of Rochester grant funding. 
12:00 am EST, February 15Submit the Free Application for Federal Student Aid (FAFSA) online at  Our school code is 002894.  The FAFSA is used to help determine your eligibility for all federal aid programs.
March–JuneYou will be emailed instructions on completing your financial aid application over the coming months.

Regular Decision Priority Deadlines (Applying for Fall 2015)

Priority DeadlineWhat We Need
12:00 am EST, February 15Submit the CSS PROFILE online at Our school code is 2928. The CSS PROFILE is used to determine your eligibility for need-based University of Rochester grant funding.  Submit the Free Application for Federal Student Aid (FAFSA) online at  Our school code is 002894.  The FAFSA is used to help determine your eligibility for all federal aid programs.
March–JuneYou will be emailed instructions on completing your financial aid application over the coming months.

Transfer Student Priority Deadlines (Applying for Fall 2015)

Priority DeadlineWhat We Need
12:00 am EST, March 15CSubmit the CSS PROFILE online at Our school code is 2928. The CSS PROFILE is used to determine your eligibility for need-based University of Rochester grant funding.  Submit the Free Application for Federal Student Aid (FAFSA) online at Our school code is 002894. The FAFSA is used to help determine your eligibility for all federal aid programs.
March–JuneYou will be emailed instructions on completing your financial aid application over the coming months.


Frequently Asked Questions

How do I apply for financial aid?

Incoming first-year undergraduates are required to complete the CSS PROFILE for the University of Rochester. Our school code is 2928. The CSS PROFILE is used to determine your eligibility for need-based University of Rochester grant funding. Those who are eligible for federal aid also need to complete the FAFSA to determine their federal eligibility. More details on the application process can be found on our website.

Are there income cutoffs for financial assistance?
No. Every application is individually reviewed so that factors such as assets, family size, and number in college are considered, in addition to the family income.

Are there any academic requirements to keep my financial aid once it’s been awarded to me?

Undergraduates in the College of Arts, Sciences, and Engineering must achieve a specified cumulative GPA and accumulate a specific number of credit hours at the end of each semester to continue receiving financial aid. These requirements are outlined in the Academic Standing – Satisfactory Academic Progress policy.

When will I learn about my financial aid?
Students who complete all application materials on time and are admitted to the University will receive a financial aid email notification shortly after their notification of admission. Every effort is made to ensure that all students receive their financial aid award information prior to the May 1 deposit deadline. However, late applicants may need to make a deposit decision prior to receiving an award.

What if I don’t get a financial aid email shortly after my letter of admission?
Students who do not receive financial aid notifications typically have not filed all of the materials requested by the Financial Aid Office. Check to make sure you have completed the CSS PROFILE and the FAFSA and that you included the University on the list of schools to receive the information. If you have any concerns about your financial aid application, contact the Financial Aid Office.

What is the IRS Data Retrieval Tool? 
Learn more here.

Are special circumstances considered?
If your family has concerns about contributing the portion of the cost not covered by financial aid, we encourage you to contact the Financial Aid Office so that we may discuss the situation with you. Every situation is unique, so we will work with you to determine what financing options are available to assist your family. In all cases, a written appeal detailing your special circumstances and providing appropriate documentation will be required in order for a further review of your file to take place.

Do I need to qualify for need-based financial aid to compete for scholarships?
No. You may compete for scholarships regardless of your family’s demonstrated financial need.

If I won a high school award, am I still eligible for other scholarships?
Yes, you will still be considered for other scholarships. However, students are limited to a single merit award, so students will receive the highest-valued award for which they qualify.

How do scholarships that I receive from outside the University of Rochester affect my financial package?
The amount of the outside scholarships received will reduce the work-study and loan awards before reducing university need-based grants. The combination of outside awards and Rochester-packaged awards may not exceed a student’s determined institutional need or estimated cost of attendance.

What if I have a National Merit award? How does this affect my financial aid award?
First-year students who have chosen the University of Rochester as their first-choice school will receive a university-sponsored renewable scholarship of at least $17,000. The Financial Aid Office will be notified of all recipients during the summer months. If the award is not yet part of the financial aid package, the Financial Aid Office will make the appropriate adjustments when notified of these awards.

What else do I need to know as a transfer student?
Application requirements and notification procedures differ based on the term for which you are seeking admission. For the most up-to-date information, please contact our office. There are some merit scholarships that are unique to transfer students. Transfer students are also subject to different general guidelines, such as loan levels and the number of semesters they may receive institutional funding. Transfer students only receive university aid until the graduation date that was determined at the time of admission.