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College Can Be Affordable

More than 2/3 of our students receive financial aid, including scholarships, grants, work-study, and loans.

Â鶹ԭ´´ students may be eligible to receive assistance paying for financial aid-eligible coursework† through one or more of the following financial aid programs. Students’ combined financial aid from all sources cannot exceed theirÌýCost of Attendance.

Achieve Â鶹ԭ´´

Achieve Â鶹ԭ´´Ìýis a generous financial aid program that covers tuition and additional expenses like textbooks for students who qualify.

• You may qualify for the 2026/27 academic year if you are eligible for the Federal Pell Grant andÌýcompleted theÌýÌýby January 15, 2026.
• Students who are ineligible to complete theÌýÌýmay complete theÌýNon-Federal Aid Application.
• If you are not eligible for Pell but yourÌýÌýis below 12,000, you can still save up toÌý60%Ìýon your fees with a Â鶹ԭ´´ State grant, such as the Â鶹ԭ´´ Grant or Â鶹ԭ´´ State Opportunity Grant.
• New and continuing students are eligible, and non-resident students can also receive funding to cover a portion of their tuition and fees.

Grants

Grants are awarded to students based on financial need and usuallyÌýdo not need to be repaid. Grants may be used to pay for tuition and fees, books and supplies, transportation and other expenses related to attending college. The following grant programs are currently available to eligible Â鶹ԭ´´ State students.

Federal Pell Grant

TheÌýÌýis available to students pursuing theirÌýfirst bachelor’s degreeÌýwho demonstrate aÌýhigh level of needÌýaccording to the results of theÌý. The amount awarded for each semester depends on a student’s financial need, costs to attend school, and number of credits taken. Students may receive a Pell Grant for up to a lifetime maximum of 12 full-time semesters.

Federal Supplemental Education Opportunity Grant (FSEOG)

TheÌýÌýprovides need-based grants to help low-income undergraduate students finance the costs of postsecondary education. Priority is given to those students withÌýexceptional needÌýaccording to theÌý (those with the lowestÌý) and thoseÌýwho are also Federal Pell Grant recipients.

Silver State Opportunity Grant (SSOG)

The SSOG Program was established by the Â鶹ԭ´´ Legislature in 2015 to provide grants to eligibleÌýlow-income undergraduate students Ìý(Ìýof 8,500 or less) who areÌýcollege-readyÌýto assist with funding a portion of the cost of attending a community or state college within the Â鶹ԭ´´ System of Higher Education (NSHE).Ìý Limited funds are awarded to students enrolled inÌý15 or more financial aid-eligible credits† in a semester on a first-come, first-served basis according to a formula established by the NSHE Board of Regents.Ìý Students should complete theÌýÌýor theÌýNon-Federal Aid ApplicationÌýin order to be considered for this award. SSOG will be released after attendance is confirmed, about 2-3 weeks after the semester begins.

Â鶹ԭ´´ State Access Grant

Funded from both state and institutional sources, these grants are awarded on a first-come, first-served basis to undergraduate studentsÌýwho receiveÌýthe with a Ìý of 12,000 or lessÌýbased on theirÌý. Award amounts are based both on a student’s SAI and number of credits taken in a term.Ìý The priority deadline is January 15Ìýto be considered for the upcoming academic year.

Â鶹ԭ´´ Grant

This institutionally-funded grant is awarded on a first-come, first-served basis to undergraduate students who areÌý, do not receive the Federal Pell Grant, and have an of 12,000 or less according to theirÌý. Award amounts are based both on a student’s EFC and number of credits taken in a term.Ìý The priority deadline isÌýJanuary 15Ìýto be considered for the upcoming academic year.

Â鶹ԭ´´ State Opportunity Grant

This institutionally-funded grant is awarded to undergraduate NS students who areÌýnotÌý, but have an of 12,000 or less according to their Ìýor Â鶹ԭ´´ StateÌýNon-Federal Aid Application. Award amounts are based both on a student’s SAI and number of credits taken in a term.

Nursing Differential Grant

This fee-funded grant is awarded on a first-come, first-served basis to students enrolled in the pre-licensure bachelor of science in nursing (BSN) program and have anÌýof zero or less according to their Ìýor Â鶹ԭ´´ StateÌýNon-Federal Aid Application. Award amounts are based both on a student’s SAI and whether they are enrolled in the full-time or part-time track.Ìý

Graduate Access Grants

These fee-funded grants are awarded on a first-come, first-served basis to students enrolled in a graduate program who have an of 12,000 or less according to their Ìýor Â鶹ԭ´´ StateÌýNon-Federal Aid Application. Award amounts are based both on a student’s SAI and whether they are enrolled in a full-time or part-time track.Ìý

Scholarships

Please visit theÌýscholarship pageÌýfor the most up-to-date information.

Student Employment

Student employment provides opportunities for eligible students toÌýwork part-timeÌýin positions across campus and in the community. In order to be considered for a student employment job,Ìýapply for open “student” postings throughÌýÌý In order to qualify, students must be enrolled at least half-time as a degree-seeking student in the current or upcoming term and be eligible for employment in the USA. Students may not exceed 19.5 hours of work per week, and areÌýpaid twice per month. Funding is provided by both the institution and the Federal Work-Study program.Ìý Federal Work-Study is awarded to employed students who demonstrate need according to theÌý.

Federal Direct Loans

When you complete theÌý, you may be offeredÌýÌýas a part of your award offer package. Remember that you mustÌýrepay the full amount of the loan plus interest to the U.S. Department of Education beginning six months after you graduate, or stop attending school at least half-time. We’ve teamed up with , a non-profit organization that provides Federal Student Loan repayment counseling services, at no cost to you!

Eligibility Criteria

To be eligible for a Federal Direct Loan a student must:

1. be a U.S. citizen or permanent resident alien;
2. be taking at least six financial aid-eligibleÌýcredit†Ìýhours and be matriculated in a degree or certificate program;
3. not owe any refunds on a Pell Grant or other awards received and not be in default on repayment on any type of student loan.

Maximum Loan Amounts

Dependent Undergraduate Students

A first-year Dependent student (parent information is required on theÌý), with less than 30 earned or transfer credits, may borrow up to $5,500 per year with a maximum of $3,500 of that amount being in a subsidized loan. Second-year dependent students, with at least 30 earned or transfer credits, may borrow up to a maximum of $6,500 per year with a maximum of $4,500 of that amount in a subsidized loan. Third-year and beyond dependent students, with at least 60 earned or transfer credits, may borrow up to a maximum of $7,500 per year with a maximum of $5,500 in subsidized loans. A dependent undergraduate student may only borrow up to an aggregate limit of $31,000.

Independent Undergraduate Students

Independent students (parent information is not required on theÌý) may have up to an additional $4,000 in unsubsidized loans per year. A first year independent student, with less than 30 earned or transfer credits, may be eligible to borrow up to $9,500 per year with a maximum of $3,500 of that amount being in a subsidized loan. Second year independent students, with at least 30 earned or transfer credits, may be eligible to borrow up to $10,500 per year with a maximum of $4,500 in a subsidized loan. Third year and beyond independent students, with at least 60 earned or transfer credits, may be eligible to borrow up to $12,500 per year with a maximum of $5,500 in a subsidized loan. An independent undergraduate student may only borrow up to an aggregate limit of $57,500.

Post-Baccalaureate Students

Post-Baccalaureate independent students in the School of Education can borrow up to $12,500 each academic year, or $5,500 for dependent students, inÌýof which up to $5,500 may be subsidized.

Graduate Students

Graduate students can borrow up to $20,500 each academic year inÌý. WhileÌý will become unavailable to new graduate borrowers beginning July 1, 2026, graduate students who were enrolled in the same program of study at Â鶹ԭ´´ State as of June 30, 2026, received a Direct Loan for that program before July 1, 2026, and remain continuously enrolled in the same program may continue to borrow Graduate PLUS Loans for up to three academic years or the remainder of their expected time to credential, whichever is less. Students who qualify under this limited exception may borrow up to the total Cost of Attendance (COA) minus unsubsidized loans or other aid received, subject to federal eligibility requirements and credit approval.ÌýIn this , SoFi® breaks down exactly what’s changing, who is impacted, and what these updates mean for graduate students and families.

Pre-Graduate Students

Students in the Speech-Language Pathology Master’s Preparatory Plan (SLP-MPP) can borrowÌýÌýfor one consecutive 12-month period.Ìý Dependent undergraduates may borrow up to $5,500, which may be all subsidized depending on eligibility. Independent undergraduates (and dependent undergraduates whose parents don’t qualify for Direct PLUS Loans) can receive up to $12,500, of which a maximum of $5,500 may be subsidized.

Parent PLUS Loans

The U.S. Department of Education makes Direct PLUS Loans, commonly referred to as a, to eligible parents of dependent students. Beginning July 1, 2026, new annual and lifetime limits will apply of $20,500 per year and $100,000 lifetime, including previous PLUS loans.

Private Loans

If you are unable to borrowÌý, or these loans are not sufficient to cover your cost of attendance at Â鶹ԭ´´ State, you may be able to obtain aÌýcredit-based loan from a private student loan lender.Ìý ÌýBecause these loans are not regulated by the U.S. Department of Education, it is up to you to research and understand the terms for borrowing and repayment.Ìý We’ve partnered withÌýto provide you with a list of lenders that Â鶹ԭ´´ State students have borrowed from in the past, along with the ability to compare the terms of these loans.

Financial Aid Eligible Credits

† In order to qualify for any financial aid funding, including grants, scholarships or loans, a course must fulfill an unmet requirement for a student’s degree or certificate program at Â鶹ԭ´´.