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College Finances

While it's true that a college degree comes with a price tag, keep in mind that you’re making a commitment to your future – a future where you’re prepared and ready to meet your goals head on.

the Cost of College

There may be a variety of costs associated with getting an education, so it’s good to be aware of them. Having an understanding of college expenses and a plan for paying them could help you save in the long run.

Tuition

Tuition

Tuition costs vary depending on the number of credits you’re taking, the program you’re in, and what financing options are available to help. Your tuition will likely cover the cost of enrollment in your classes, and sometimes other university fees, but it does not include variable costs like books, living expenses, or equipment.

other expenses

Other Expenses

Your total cost of attending college includes your tuition, fees and the indirect costs required to help you complete your education. These additional expenses might include

  • Textbooks
  • Supplies
  • Transportation
  • Loan fees
  • Technology costs, such as devices, software, Wi-Fi access
  • Additional options for study abroad programs, on campus housing, dependent care, or food allowances

Learn about tuition and expenses at DeVry University.

Ways to Save

While paying for college can feel like a big hurdle, several options are available to help you find ways to save.

Transfer credits

Military Benefits

International Student Benefits

Federal Work-Study

Employer benefits

Payment Plans

Transfer credits

If you’ve already taken a few college classes, or if you’ve received corporate training, you might be able to jump start your journey to your degree  by transferring your credits.  It’s important to consult with schools you are considering to find out which prior courses or learning experiences can qualify for transfer credits.

Military Benefits

If you’ve served in the military, or are on active duty in any of the five branches of the U.S. Armed Forces, you or your spouse are eligible for discounted military tuition rates for undergraduate or graduate programs; through the GI Bill®.

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International Student Benefits

The American Pathways for International Scholars program provides group tuition rates for students studying online from their home country.

Federal Work-Study

This program provides part-time work for students on or off campus. Wages are paid directly to the student through a combination of federal and institutional or agency funds. These funds do not count against loan eligibility.

Employer benefits

Many employers offer tuition reimbursement to their employees to help offset the costs of education. These benefits can include waived application fees, deferred billing plans, or a direct billing arrangement between your school and your employer. Talk to your human resources department about any education benefits available to you.

Payment Plans

Many schools offer payment plan options so you don’t have to pay for everything all at once. When you are considering a school, ask the Financial Aid office to explain payment plan options available to you.

Loans

Loans are available to financially assist you in order to pay for your education. Since loans must be repaid, and interest rates can vary, it’s wise to only borrow what you need for educational expenses. Speak to your prospective school’s Financial Aid office, to find out if there are any non-loan sources of financial assistance before utilizing a loan. Types of loans that may be available for you to consider include:

Federal Direct Subsidized Loans

Federal Direct Unsubsidized Loans

Federal Perkins Loans

Federal PLUS Loans

Private Loans

Federal Direct Subsidized Loans

These loans are available to undergraduate students with financial need. The government will pay the interest on these loans while the student is enrolled at least half time. You will have a six-month grace period before repayment begins, after you graduate, leave school, or enroll in less than half time per semester.

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Federal Direct Unsubsidized Loans

These are available to undergraduate and graduate students with no requirement to demonstrate financial need. The student is responsible for paying the interest while in school, however in some cases may defer paying interest, which adds it to the principal of the loan. Students who graduate, leave school, or enroll in less than half time per semester have a six-month grace period before repayment begins.

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Federal Perkins Loans

These are loans awarded to students who demonstrate exceptional need. The loans amount will vary by institution, and has fixed 5% interest rate. If you graduate, leave school, or enroll for less than half time per semester; you will have a nine-month grace period before repayment begins.

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Federal PLUS Loans

These are available to parents of dependent undergraduate students, while Federal Graduate PLUS Loans are available to graduate students.  Eligible student or parent borrowers may be able to borrow up to a maximum of unmet costs (cost of attendance) minus financial aid per academic year.

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Private Loans

These are loans provided by outside resources such as banks or credit unions with unique payment terms and interest rates.

Scholarships

Scholarship awards are available from various sources to help pay for tuition or other education expenses, and usually will not have to be paid back. In addition to scholarships offered by your university, you may also qualify for scholarships from outside organizations. Online scholarship search tools can help you find scholarships that might be a good fit for your depending on your background, financial position, special interests or other unique criteria.

Grants

Grants  are a form of financial aid provided by federal governments, states or other sources, that usually will not need to be repaid. Find out more about Federal Pell Grants, Federal Supplemental Educational Opportunity Grants, and more.

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Learn about ways to manage tuition costs at DeVry University.

College Financial Aid Checklist

If you’re ready to get started, here are a few steps you can take to begin budgeting your education.

eligibility

Determine your eligibility for federal aid. There are a variety of requirements, ranging from citizenship to previous academic standing and loan status.

dependency

Determine your dependency status. Additional information may be needed if you are considered a dependent of your parents or other guardians.

documents

Gather financial documents needed to complete the Free Application for Federal Student Aid (FAFSA®).

apply

Apply for your Federal Student Aid ID and complete your application at fafsa.ed.gov. If you are a dependent student, both you and a parent will need a FSA ID to electronically sign your FAFSA.

Financial Plan

Meet with your prospective school’s Financial Aid office to discuss your personalized financial plan.

Learn more about tuition and financial aid at DeVry University, or download our financial guide that includes checklists and other details.

GI Bill® is a registered trademark of the U.S. Department of Veterans Affairs (VA). More information about education benefits offered by the VA is available at the official U.S. government website: www.benefits.va.gov/gibill.

FAFSA® is a registered trademark of the U.S. Department of Education.