The Office of Financial Aid and Student Employment processes Graduate Student loans. Additional financial information is provided by the Graduate School in their financial support section.
This page provides information about applying for federal and private loans, the estimated cost of attendance, and applying for an additional loan (cost of attendance appeal). Click on the headings below to review the information.
Applying For Loans
We will use your FAFSA application to evaluate your eligibility for the Federal Direct Unsubsidized Loan. Most graduate borrowers are limited to $20,500 per year but this amount may be impacted if you receive funding from your field or department. If you need additional funding through the Graduate PLUS Loan, please submit the Graduate PLUS Federal Loan Request Form.
To apply for the upcoming academic year:
You may apply for and receive graduate federal loans if you will be enrolled in six (6) or more credits over the summer.
To apply for summer graduate federal loans:
If you are not a citizen or permanent resident of the United States or are ineligible for federal student loans, you may apply for a student educational loan through an alternative/private lender.
Private lenders will vary on the interest rate, how much can be borrowed, and repayment terms. Research the different options to see which you prefer and apply directly through that lender.
****The selection of a private lender is the students’ choice. Many vendors offer educational loans. Any list of vendors provided is a partial listing of the largest commercial lenders compiled based on services offered to students, interest rates, and past loans taken out by students. The Graduate School receives no compensation or items of value from these vendors. Students should consult with lenders regarding loan terms, particularly whether or not lenders sell loans and if terms or conditions beneficial to the borrower travel with the loans that are sold.
Please review the loan information for graduate students page.
Cost of Attendance
Cornell Graduate School’s estimated cost of attendance includes costs that a typical, full-time student will encounter in a traditional academic year — fall and spring semesters. Estimated costs are tailored to each student and depend on several factors, including degree type, college, campus, academic program or field, and enrollment pattern.
2023–24 Estimated Cost of Attendance
The cost of attendance reflects estimated expenses prior to financial aid. To find details on which column is applicable, find your field.
|Estimated Expense||Endowed Colleges (Professional Degrees**)||Professional Degree** Programs in NYC||Contract Colleges (Professional Degrees**)||Endowed Colleges (Research Degrees***)||Contract College (Research Degrees***)|
|Tuition||$65,204||*Depends on degree program||$42,688||$29,500||$20,800|
|Student Activity Fee||$85||$85||$85||$85||$85|
|Health Fee||$500||Health Fee is only charged if enrolled on Ithaca Campus||$500||$500||$500|
|Housing Allowance (On- or Off-Campus)||$11,562||$19,980||$11,562||$11,562||$11,562|
|Dining Allowance (On- or Off-Campus)||$6,992||$6,992||$6,992||$6,992||$6,992|
|Books & Supplies||$2,700||$2,700||$2,700||$2,700||$2,700|
|Personal & Miscellaneous||$2,420||$2,590||$2,420||$2,420||$2,420|
|TOTAL||$92,505||*Depends on degree program||$69,989||$56,801||$48,101|
*In absentia tuition charge (all colleges): $400; Current tuition rates can be viewed on the Office of the Bursar's Tuition Rates and Fees webpage.
**Professional degrees (MAT, MFS, MHA, MILR, MLA, MMH, MRP, and MPS)
***Research degrees (M.A., M.S., M.S./Ph.D., Ph.D.) and non-degree students
Cost of Attendance Appeal
You may find that you need additional loan due to your actual cost of attendance being greater than the estimated cost of attendance. Complete and submit the Graduate Student Budget Increase Application.