College application fees can add up quickly, with some schools charging as much as $90 simply to apply. If you can’t afford these fees, don’t worry — you might be able to get a college application fee waiver.
Application fee waivers allow you to apply to college for no-cost so that you can save your money for future school expenses. Here’s our list of what you need to know about what a college application fee waiver is and how to get fee waivers for your college applications.
College application fee waivers completely cover your application fees, so you can search for schools without worrying about the cost of applying to each one. Although not all colleges accept waivers, there are thousands of schools that do.
Carrie Warick, director of policy and advocacy at the National College Access Network, said that fee waivers can help remove the barrier to admission that many low-income students face.
“Lowering all fees would help students think more broadly about where they go to college, but our first target would be to expand the availability and use of fee waivers for low-income students,” Warick said.
Some college application fee waiver programs require proof of your household’s income, so it’s a good idea to track down pay stubs or tax returns ahead of time to streamline the process.
If you’re struggling to come up with the cash to apply to colleges, these programs might be able to help.
Income-eligible students can qualify for a waiver for the SAT or SAT subject tests and apply to as many colleges as they want at no-cost.
College Board’s SAT and college application fee waiver program is available to low-income students in their junior or senior year of high school. You are eligible for the waivers if you meet one of these college fee waiver requirements:
- You’re eligible for the National School Lunch Program (NSLP).
- Your household income is within the USDA’s Food and Nutrition Service’s Income Eligibility Guidelines.
- You’re enrolled in a federal, state, or local program that aids students from low-income families.
- Your family receives public assistance.
- You live in a foster home.
- You’re in a federally subsidized public housing program.
- You’re homeless.
- You’re a ward of the state or an orphan.
As for how to get fees waived for your college applications through College Board, contact your high school counselor. You’ll need to show proof of eligibility, such as your family’s tax returns or proof of your enrollment in a government program.
Nearly 900 schools allow students to use the Common Application to apply. By using the application, students can fill out just one application and submit it to all of the schools on their list.
The schools that use the Common Application try to ensure that fees won’t deter students from applying. If you’re in a precarious financial situation, the Common App fee waiver can help.
The Common App waiver has the same eligibility requirements as the College Board waiver. You can apply for it within the Common App, and your school counselor will be asked to confirm your information.
To help make college more accessible for all, the National Association for College Admission Counseling (NACAC) offers a college application fee waiver, as well.
The NACAC waiver has the same eligibility requirements as the waivers from College Board and Common App. However, NACAC requires you to send the application directly to your school of choice.
NACAC recommends using its fee waiver to apply to up to four schools.
If you are ineligible for the above programs, or you have used your waiver for four schools already, don’t worry — that’s still not the end of the story. You might be able to qualify for a fee waiver directly from the colleges you choose.
Many schools have their own waiver programs, including institutions like Dartmouth and the University of Colorado-Boulder.
School-specific waiver programs can have more flexible eligibility requirements. For example, Dartmouth offers pre-approved waivers to military veterans and students who participated in the Dartmouth Bound campus visitation programs.
If you need a waiver, contact the school’s financial aid office and explain your situation. You might be eligible for programs you didn’t know existed.
Choosing a college can be overwhelming and stressful. The last thing you need is to worry about the cost of applications.
If application fees are too expensive for you, check out college fee waiver programs so you can focus on getting your application (and the dreaded admissions essay) perfect.
Already accepted to your favorite school? If you’re worrying about how you’re going to pay for four years of college (or more), check out this article on scholarships that cover tuition and more.
Rebecca Safier contributed to this report.
Need a student loan?Here are our top student loan lenders of 2020!
|* The Sallie Mae partner referenced is not the creditor for these loans and is compensated by Sallie Mae for the referral of Smart Option Student Loan customers.
1 Sallie Mae Disclaimer: Click here for important information. Terms, conditions and limitations apply.
2 Important Disclosures for College Ave.
College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
(1)All rates shown include the auto-pay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
(2)This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate (“APR”): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
(3)As certified by your school and less any other financial aid you might receive. Minimum $1,000.
Information advertised valid as of 11/4/2019. Variable interest rates may increase after consummation.
3 Important Disclosures for Discover.
Discover's lowest rates shown are for the undergraduate loan and include an interest-only repayment discount and a 0.25% interest rate reduction while enrolled in automatic payments.
4 Important Disclosures for CommonBond.
Offered terms are subject to change and state law restrictions. Loans are offered through CommonBond Lending, LLC (NMLS #1175900).
5 Important Disclosures for Ascent.
Before taking out private student loans, you should explore and compare all financial aid alternatives, including grants, scholarships, and federal student loans and consider your future monthly payments and income. Applying with a cosigner may improve your chance of getting approved and could help you qualify for a lower interest rate. Ascent Student Loans may be funded by Richland State Bank (RSB). Ascent Student Loan products are subject to credit qualification, completion of a loan application, verification of application information and certification of loan amount by a participating school. Loan products may not be available in certain jurisdictions, and certain restrictions, limitations; and terms and conditions may apply. Ascent is a federally registered trademark of Turnstile Capital Management (TCM) and may be used by RSB under limited license. Richland State Bank is a federally registered service mark of Richland State Bank.
* Application times vary depending on the applicant’s ability to supply the necessary information for submission.
5 Important Disclosures for Citizens.
Undergraduate Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As March 1, 2020, the one-month LIBOR rate is 1.62%. Variable interest rates range from 2.72% – 10.98% (2.72% – 10.83% APR) and will fluctuate over the term of the loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 4.72% – 12.19% (4.72% – 12.04% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown requires application with a co-signer, are for eligible applicants, require a 5-year repayment term, borrower making scheduled payments while in school and include our Loyalty and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens One is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of the loan.
Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. We also have several resources available to help the borrower make a decision at http://www.citizensone.com/EdRefinance, including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review.
Citizens One Student Loan Eligibility: Borrowers must be enrolled at least half-time in a degree-granting program at an eligible institution. Borrowers must be a U.S. citizen or permanent resident or an international borrower/eligible non-citizen with a creditworthy U.S. citizen or permanent resident co-signer. For borrowers who have not attained the age of majority in their state of residence, a co-signer is required. Citizens One reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Citizens One Student Loans private student loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, and if applicable, self-certification form, school certification of the loan amount, and student’s enrollment at a Citizens One Student Loans-participating school.
Please Note: International Students are not eligible for the multi-year approval feature.
Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.
Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount.
|2.75% – 10.65%*,1||Undergraduate and Graduate|
|2.84% – 10.97%2||Undergraduate, Graduate, and Parents|
|2.80% – 11.37%3||Undergraduate and Graduate|
|3.52% – 9.50%4||Undergraduate and Graduate|
|3.14% – 11.88%5||Undergraduate and Graduate|
|2.72% – 10.98%6||Undergraduate and Graduate|