I am paying less. I am debt-free. I am a smart investor ...

I am paying less.

I am debt-free.

I am a smart investor.

Costs and Financial Aid 2018-19

I am informed.

I am borrowing wisely.

I am ready for my future.

The State University of New York

suny.edu/smarttrack ? 1.800.342.3811

Compare Options for New York Residents

Average tuition and fees2

SUNY Community

College $5,240

(unweighted)

SUNY Four-Year College $8,700

Out-of-State

Public College $25,6203

Private

College $34,7403

$$$$$$$$$$$$$

$5k

$35k

2

The Value of SUNY

SUNY has the resources worthy of a state as varied and innovative as New York, all within a fair, responsible rate of tuition. Our 64 unique campuses are regularly recognized for their academic programs and quality of education. SUNY campuses have been named outstanding in a variety of categories including America's Best Colleges and Most Selective Public Universities in the Nation.

When you compare SUNY's tuition and fees to national averages, the value of a SUNY education is clear. It's just one more reason why SUNY is a smart investment and a sound economical decision.

Which SUNY Are You?

Compare Graduation Rates1

Bachelor's degree programs at public institutions

69%

SUNY Average

59%

National Average

Compare Tuition and Fees2

Bachelor's degree programs for in-state residents at public institutions

$8,700

SUNY Average

$9,9703 National Average

Sources: 1 SUNY Office of Institutional Research, 2010 Cohort 2 2017-18, Enrollment-Weighted 3 The College Board, Trends in College Pricing 2017

Cost of Attendance

The information provided below represents the 2018-19 average costs of attendance for undergraduates. Actual costs vary depending on the college, its location, full-time or part-time enrollment, program of study, delivery method of program, housing accommodations, personal expenses and other individual factors. You can use these numbers as a guide to estimate costs for 2019-20.

Your campus may offer options to make payments over time.

Calculate a personalized estimate of your net cost of attendance at suny.edu/howmuch.

SUNY Four-Year College

These costs are paid directly to the college:

Cost Tuition New York Residents* Tuition Non-New York Residents** Student Fees Room and Board (living on campus) Total New York Residents Non-New York Residents

Per Academic Year $6,870 $16,650 $1,610 $13,310

$21,790 $31,570

SUNY Community College

Cost Tuition New York Residents Tuition Non-New York Residents** Student Fees Room and Board (living on campus) Total New York Residents Non-New York Residents

Per Academic Year $4,680 $9,600 $720 $10,430

$15,830 $20,750

These costs are not paid directly to the college and will vary based on individual choices:

Cost

Per Academic Year

Cost

Books and Supplies

$1,350

Books and Supplies

Personal Expenses

$1,640

Personal Expenses

Transportation (Non-New York residents add $100) Total

$1,110 $4,100

Transportation (Non-New York residents add $100) Total

Per Academic Year $1,350 $1,160 $1,280 $3,790

** Tuition rate for Excelsior Scholarship recipients pursuing a bachelor's degree is $6,470. After crediting the Excelsior Scholarship and certain other student financial aid awards, the net charge for tuition for these students is $0.

** Tuition rate for non-New York residents enrolled in a distance-learning program is $8,240 at most campuses. Tuition rate for non-New York residents enrolled at University at Buffalo and Stony Brook University is $24,540. Tuition rate for non-New York residents enrolled at University at Albany and Binghamton University is $23,710. Technology Colleges may charge a reduced non-New York resident tuition rate for associate degree programs.

$286

per credit

Who is eligible for the New York resident rates? Review residency requirements here: suny.edu/smarttrack/residency

Cost of part-time study for New York residents attending a SUNY four-year college

3

Your cost of attendance may be offset by tax credits.

Up to $2,500

per student per year

The American Opportunity Credit

Up to $2,000

per year

The Lifetime Learning Credit

4

Types of Aid

These types of financial aid do not require repayment.

Program Campus Merit Scholarships

Private Merit Scholarships

Amount Varies by campus

Varies

Federal Pell Grant

Federal Supplemental Educational Opportunity Grant (FSEOG)

Federal Iraq and Afghanistan Service Grant

Up to $6,095 Up to $4,000

Up to $5,717

Federal Teacher Education Assistance for College and Higher Education (TEACH) Grant

Up to $3,752

Federal Work Study

Varies

Considerations Student must meet eligibility criteria. Find details here: suny.edu/scholarships

Thousands of scholarships are offered by all kinds of organizations. Learn more at sites like scholarships, and .

Student must demonstrate financial need.

Student must be Pell Grant eligible.

For student whose parent or guardian died as a result of military service in Iraq or Afghanistan after 9/11/01. Student must be Pell Grant ineligible.

For student who intends to teach in a high-need field in a school that serves students from low income families. The program requires a four-year service obligation and will convert into a loan if the service obligation is not met. Learn more at:

The work study amount depends on your level of financial need, other aid received, the availability of jobs, and your schedule.

Federal Veterans Benefits

Resident tuition and fees, For student who is an eligible veteran. Learn monthly housing allowance, more at: benefits.gibill books and supplies stipend

New York Tuition Assistance Program (TAP)

The Excelsior Scholarship and other New York State Scholarships

SUNY Tuition Credit

Up to $5,165 Varies Varies

Available to New York State resident attending a school in New York State. Amounts are based on net taxable income and other factors.

Scholarships are awarded based on various factors. Some may require certain conditions be met or have a service component. Learn more at hesc..

Student must be TAP eligible. Award is based on tuition and amount of TAP received.

State University Student Assistance (SUSTA)

Up to $500 per semester Student must be TAP eligible. Award is based on amount of unmet financial need.

Types of Aid

These types of financial aid require repayment.

Program

Federal Direct Subsidized Loan

Amount

Annual limits: Freshmen: $3,500 Sophomores: $4,500 Juniors and Seniors: $5,500

Federal Direct Unsubsidized Loan

Federal Direct PLUS Loan

Annual limits (inclusive of subsidized loans): Freshmen: $5,500 Sophomores: $6,500 Juniors and Seniors: $7,500

Independent students and dependent students whose parents cannot borrow under PLUS may be eligible for additional unsubsidized loans.

Up to cost of attendance

Alternative Loan

Varies

Terms for Loans Dispursed July '18 - June '19 Interest rate is 5.05%. Government pays interest while student is in school. Repayment begins 6 months after student graduates, withdraws or drops below half-time enrollment.

Interest rate is 5.05%. Interest accrues while the student is in school. Repayment begins 6 months after student graduates, withdraws or drops below half-time enrollment.

Considerations

Student must demonstrate financial need. A loan fee will be charged. The rate for loans disbursed between October `18 and September `19 is 1.062%.

A loan fee will be charged. The rate for loans disbursed between October `18 and September `19 is 1.062%.

Interest rate is 7.6%. Interest accrues while the student is in school. Repayment begins 60 days after the loan is disbursed.

Less favorable than government loans.

Parent must meet credit standards. A loan fee will be charged. The rate for loans disbursed between October `18 and September `19 is 4.248%.

Student must meet credit standards. Should only be considered after all other financial aid is exhausted.

75%

of all full-time SUNY undergraduates receive some form of

financial aid

$0

Tuition paid by Excelsior Scholarship recipients. To be eligible, students must be New York State residents

and meet income requirements. Learn more at hesc.excelsior

What is EFC?

The information you report on your financial aid application will determine your family's expected family contribution (EFC). The college uses this

number to determine your financial need. Cost of Attendance ? EFC = Financial Need

5

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