Types of Aid

College is an investment, but financial aid can help cover the cost. From grants and scholarships to loans and work-study, there are many ways to fund your education. Explore what's available and how to apply.

At a Glance: Types of Aid

• Loans: Borrowed money that must be repaid
• Scholarships: Merit- or need-based awards that do not need to be repaid
• Grants: Need-based aid that does not need to be repaid
• Work-Study: Part-time jobs that help students earn money while in school
• NYS Funding: State grants and scholarships for New York residents
• Aid for Students with Disabilities: Specialized grants, scholarships, and support services to help cover educational costs

68%+

of SUNY Empire students receive some type of financial aid

Loans

Loans can help cover college costs, but they must be repaid with interest. Whether you're a student or a parent, there are federal and private loan options to consider. Explore your choices to find the best fit for your needs and budget.

Federal PLUS Loans

PLUS Loans help graduate students and parents of dependent undergraduate students pay for school. A credit check is required, and loan amounts can cover up to the full cost of attendance. Flexible repayment options may be available.

Federal Direct Stafford Loan Program

Stafford Loans are available to undergraduate and graduate students. Some are subsidized, meaning the government pays the interest while you're in school. Others are unsubsidized, where interest accrues from the start. Repayment begins after graduation or when you drop below half-time enrollment.

Alternative Loans

Alternative (private) loans come from banks, credit unions, or lenders. They can help when federal aid isn’t enough. Terms vary by lender, so check interest rates, repayment plans, and credit requirements before applying.

Scholarships

Scholarships are one funding source that doesn’t need to be repaid. They are usually awarded based on merit. SUNY Empire offers a variety of scholarships to help make your education more affordable. Use our scholarship portal to find and apply for awards that match your qualifications. Start your search today.

Search for Scholarships

 

Grants

Grants are another source of funding that doesn’t need to be repaid. They are typically awarded based on financial need, but some also consider academic goals or career plans. Explore your options to see what might be available to you.

Pell Grants

Pell Grants are federal grants awarded to undergraduate students with financial need. Eligibility is determined through the FAFSA. Award amounts vary based on a variety of factors, including income and enrollment status.

TEACH Grant

The federal TEACH Grant supports students who plan to become teachers in high-need fields. In exchange for funding, recipients must agree to teach in a low-income school or educational service agency for four years.

Opportunity Grant

The Federal Supplemental Educational Opportunity Grant (FSEOG) provides extra financial aid to undergraduate students with the greatest financial need. Unlike Pell Grants, funds are awarded directly by the SUNY Empire financial aid office. Funds are also limited, so apply early.

Earn While You Learn

The Federal Work-Study (FWS) Program offers a chance to earn money through part-time jobs while enrolled in school. Work on campus or with approved community organizations. Work-study wages do not need to be repaid and can help cover educational expenses like books, supplies, or personal costs.

Work Study

 

New York State Programs

New York State (NYS) offers financial aid programs to help make college more affordable for eligible residents. These programs include grants and scholarships that don’t need to be repaid.

NYS Grants & Scholarships

New York provides a variety of grants and scholarships for eligible students, including awards based on financial need, academic merit, and specific career paths. Explore your options and find funding that fits your goals.

Tuition Assistance Program

The Tuition Assistance Program (TAP) is a grant for New York State residents enrolled in an undergraduate degree program. Award amounts vary based on income and enrollment status. Apply by completing the FAFSA and TAP application.

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