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Welcome Admitted Students!

Congratulations on your offer of admission — we’re so excited to welcome you to the Big Red community!
We know costs and financial aid are a very important part of your college decision. Cornell proudly provides financial aid offers that meet 100 percent of demonstrated financial need to all eligible undergraduate aid applicants. If you haven’t yet, please take a few moments to learn more about Cornell’s Commitment to Access and Affordability.
Viewing
Viewing your Cornell Financial Aid Offer
To view your Cornell Financial aid offer, log into Student Center with your admissions login.
Student Center
Note: students admitted in Cornell's Early Decision round receive a preliminary financial aid estimate. Aid estimates include an expected family contribution for the upcoming academic year and standard estimated costs for the current academic year. All costs are subject to change. Official aid offers, including updated estimated costs and grant or scholarship aid, will be available in the spring after Cornell's Board of Trustees approves tuition rates for the upcoming academic year.



Understanding your Cornell Financial Aid Offer
Your financial aid offer includes three important sections:
Estimated Cost of Attendance (COA) — Cornell’s estimated cost of attendance includes amounts a typical full-time undergraduate student may expect for a traditional academic year (Fall and Spring), before financial aid. The estimated cost of attendance is used to determine your eligibility for need-based grant and scholarship aid. Your actual costs to attend may vary.
What’s included in my estimated cost of attendance?
The estimated cost of attendance includes standard amounts billed by the university (such as tuition, housing and food if living on-campus, and fees charged to all students), and certain amounts not billed by the university (such as books and supplies, personal items, and transportation).
Are there any other costs I should be aware of?
Your estimated cost of attendance for financial aid only includes mandatory fees charged to all students. Fees not charged to all students are excluded – for example, optional course fees, gym memberships, premium on-campus or off-campus housing options, and the cost of the Cornell Student Health Insurance Plan (SHP). Need-based grant or scholarship aid is not available for these costs.
Cornell requires all students to have health insurance. If you are not covered by a family policy or your insurance coverage does not meet university requirements, you will be automatically enrolled in and billed for the Cornell Student Health Plan (SHP). Because the cost of SHP is not charged to all students, it is not included in the estimated cost of attendance for financial aid.
You may request student loan funding to cover the cost of optional fees and the Cornell Student Health Insurance Plan (SHP).
Expected Family Contribution (EFC) — Your Cornell expected family contribution is an estimate of your family’s “out-of-pocket” costs for the academic year. Your expected family contribution is determined annually using information from your CSS Profile and other documents such as tax forms, tax schedules, and W-2 forms. Cornell considers both income and assets in our calculations. Your expected family contribution includes both student and parent contributions.
If you have unusual family circumstances (such as parental abandonment or incarceration, refugee/asylee status), or if your family has experienced special economic circumstances (such as job loss), please consider using the appropriate appeal process to request a secondary review of your Cornell EFC.
Financial Aid — Your Cornell aid offer includes financial aid from a variety of sources that equals your financial need for the academic year. Financial aid offers include Cornell grants and scholarships, federal and state grants and scholarships (gift aid that does not have to be repaid), work-study (self-help aid that must be earned), and reasonable student loans (self-help aid that must be repaid), depending on your total family income.
Your aid offer includes aid from all available sources known to Cornell, including federal, state, private, and university aid programs. Your aid offer may be revised, if additional aid from either internal or external sources becomes available. All aid offers are contingent upon availability of funds.
Additional student, parent, or private loan options may be available to finance your expected family contribution.
As a member of the Ivy League, all undergraduate grant and scholarship aid is need-based - Cornell does not offer merit-based or athletic scholarships.
The difference between your estimated cost of attendance and your calculated affordable expected family contribution is your financial need for financial aid purposes. Your expected family contribution, financial need, and eligibility for Cornell grants and scholarships are determined using income and asset information from your CSS Profile. Eligibility for federal aid is determined using information from your FAFSA® form.
Financing Options
Outside Scholarships
If you are expecting an outside scholarship from an external organization your financial aid offer will be reevaluated. Please upload a copy of your scholarship award letter to our Secure Document Upload portal.
International Students
If you are an international student, please carefully review the Terms of International Scholar Awards. Unless you qualify for an exemption, 14% of grant and scholarship aid in excess of “qualified” tuition and fees will be withheld from your aid, per federal Internal Revenue Service (IRS) tax requirements.
Military-Affiliated Families
Thank you for your service to our nation! If you are interested in utilizing Post-9/11 GI Bill and/or Yellow Ribbon benefits, please visit our Veterans Education Benefits page.
Other Education Financing Options
Cornell offers several other flexible payment and financing programs to assist your family, including:
- Semester-by-Semester Billing
- Cornell Installment Plans
Next Steps
1. Discuss
Discuss your Expected Family Contribution. Talk with your family about how your expected family contribution will be paid or financed. Fall semester charges are billed by the Bursar’s Office in early July and payment is due in early August each academic year.
2. Accept
Accept or decline self-help aid (work-study or loans) in Student Center. Cornell requires active acceptance of all self-help aid (work or loans) offered. Grants and scholarships (gift aid) included in your aid offer do not need to be accepted. If you accept loans, be sure to complete federal Entrance Counseling and Master Promissory Notes online. If you accept work-study, begin searching for student employment opportunities.
3. Request
If you are interested in financing your expected family contribution, request additional federal or private student loans, or a Parent PLUS Loan after June 1st, 2025. (Why wait until June 1st, 2025? Parent PLUS and private student loans require a credit check which typically needs to be completed within 90 days of the first disbursement in mid-August.)
Next Steps Cont
4. Checklist
Check your “To Do” list in Student Center. Occasionally, we may require additional documentation to confirm eligibility for certain types of aid. If you have outstanding To Do list items, please respond promptly to avoid delay.
5. Watch
Watch for email updates from the Financial Aid Office. We communicate primarily with you via email. Parents should coordinate with students to access important email messages. Common items for us to email students about include verifying sibling(s) enrollment in college, loan promissory notes and entrance counseling, and reapplying for aid for future years.
We're here to help!
Big Red is available 24/7 and can answer many general financial aid questions. For more detailed questions contact the Financial Aid Office by email at finaid@cornell.edu. For questions involving personally sensitive issues, connect with a financial aid counselor by phone (607.255.5145), or by virtual appointment during regular office hours.