If you have a connection to the military — whether you’re on active duty, a veteran, in ROTC or planning to serve in the future, or even if you’re a military spouse or dependent — there are military scholarships available to you.
Some are specific to certain U.S. military branches, while others are more generic. Some military scholarships are merit-based, while others are need-based, and some require a service commitment.
Below is a list of scholarships so you can find the right military scholarship program for you. Beyond these options, you may find additional military scholarships through your state, college, military branch or other military-related organizations.
- Active duty scholarships
- Scholarships for veterans and dependents
- ROTC scholarships
- FAQ on military scholarships
Here’s a list of awards geared primarily toward active-duty service members. Some of these programs also cover spouses and children, as well as veterans, and are listed again in the subsequent section.
- F. Edward Hebert Armed Forces Health Professions Scholarship Program
- Army Women’s Foundation Legacy Scholarship Program
- Pat Tillman Foundation Tillman Scholar program
- Navy SEAL Foundation scholarships
- Colonel Loren J. and Mrs. Lawona R. Spencer Scholarship
- Captain Jodi Callahan Memorial Scholarship
- Coast Guard Foundation Scholarships
- Marine Corps Scholarship Foundation
- Women’s Overseas Service League scholarships
Amount: Full tuition for up to four years, monthly stipend of more than $2,200, $20,000 signing bonus
The U.S. Army’s Health Professions Scholarship Program is available for students pursuing medical, dental, veterinary, optometry, specialty nursing or clinical/counseling psychology degrees. The program pays for your tuition and in return, you agree to serve in the Army for at least eight years total: at least two years on active duty and the remaining time in the Reserve. The Army recommends applying for the program at the same time you’re applying to your degree program. This scholarship is part of the Armed Forces Health Professions Scholarship Program (HPSP), which also includes the Navy and Air Force.
Amount: $1,000 for certificate programs and community college coursework, $2,500 for undergraduate and graduate degree programs
The Army Women’s Foundation Legacy Scholarship Program awards scholarships to women who have served or are currently serving in the U.S. Army, U.S. Army Reserve or Army National Guard, as well as the children of women who have served honorably in one of those capacities.
There are four types of scholarships in this program, each with slightly different eligibility requirements:
- Community College Legacy Scholarship: Must be a high school graduate with a 2.5 grade point average (GPA) or GED, currently enrolled in an accredited community college.
- Certificate Program Legacy Scholarship: Must be a high school graduate with a 2.5 GPA or GED, currently enrolled at an accredited school.
- College and University Legacy Scholarship: Must be enrolled at an accredited college or university and have completed 30 credit hours with at least a 3.0 GPA.
- Graduate Program Legacy Scholarship: Must have an undergraduate degree with a cumulative 3.0 GPA, and be currently enrolled in or accepted into a master’s or doctoral program.
Amount: $11,000 per academic year, on average
The Tillman Scholar program is open to veterans and active duty service members from all branches of the U.S. military and also to their current and surviving spouses. To be eligible, you must be a full-time student pursuing an undergraduate or graduate degree. This scholarship is merit-based and the application requires a resume, two 400-word essays and a letter of recommendation, among other things. Applicants also must have submitted the Free Application for Federal Student Aid (FAFSA).
The Navy SEAL Foundation scholarship is available for active duty SEALS, active duty Special Warfare Combatant-Crewman (SWCC) and active duty Naval Special Warfare (NSW) support personnel who are on their second tour (as well as the spouses of these military members), as well as veteran SEALs and SWCC. This scholarship is merit-based and the application requires a 500-word essay.
Branch: Air Force
The Colonel Loren J. and Mrs. Lawona R. Spencer Scholarship is designed for members of the U.S. Air Force who are pursuing a graduate degree in management and administration. Numerous types of Air Force personnel may qualify: officers, enlisted members, Air Force civilians, full-time members of the National Guard or full-time Reservists. The application requirements include a letter of recommendation from your Air Force supervisor or commander, a minimum GPA of 3.0 (on a 4.0 scale) and a 600-word essay.
Branch: Air Force
The Captain Jodi Callahan Memorial Scholarship is designed for members of the U.S. Air Force who are pursuing a master’s degree in a non-technical field. You may qualify if you’re on active duty, in the Air National Guard or a full-time member of the Air Force Reserve (either as an officer or an enlisted member). The application requirements include a letter of recommendation from your Air Force supervisor or commander, a minimum GPA of 3.0 (on a 4.0 scale) and a 600-word essay.
Amount: $1,000 – $5,000
Branch: Coast Guard
The Coast Guard Foundation offers multiple scholarships for enlisted Coast Guard members, spouses of Coast Guard members and children of Coast Guard members (including the Fallen Heroes Scholarship, for those whose parents died in the line of duty). In addition, there is also a scholarship available to members of the Coast Guard Reserve and their families. Each scholarship has slightly different eligibility requirements — review your preferred scholarship’s page for details on applying.
Amount: $6,000 to $40,000 over four years ($1,500 to $10,000 per year)
Branch: Marine Corps
The Marine Corps Scholarship Foundation awards scholarships to students pursuing bachelor’s or associate degrees, as well as career and technical education certificate programs. The application requires a photo, school transcript and your family’s 2019 tax return, as well as documentation of your parent’s military service. To qualify for an award from the Marine Corps Scholarship Foundation, you:
- Must be a child of a Marine or a Navy Corpsman, or a chaplain or religious programs specialist attached to a Marine unit.
- Must have a cumulative GPA of at least 2.0 on an unweighted 4.0 scale.
- Your family must have an adjusted gross income of less than $103,000.
Amount: $500 to $1,000 per year, on average
The Women’s Overseas Service League scholarships are awarded to female students who have completed at least one semester of college with a minimum 2.5 GPA, and you must be pursuing a professional or technical degree program. The application requires a resume, three reference letters and a 250-word essay about your career goals, including “evidence of your commitment to a career in the military or other public service occupation.”
Note that veterans may also qualify for some of the scholarships listed under “Active duty” above.
- AMVETS National Service Foundation Scholarships
- AMVETS Dr. Aurelio M. Caccomo Family Foundation Memorial Scholarship
- American Legion Legacy Scholarship
- Purple Heart Scholarship
- Coast Guard Exchange Scholarship Program
- Army Women’s Foundation Legacy Scholarship Program
- Marine Corps Scholarship Foundation
- Coast Guard Foundation Scholarships
Amount: Up to $4,000 over four years ($1,000 per year)
American Veterans (AMVETS) is a veterans service organization that offers multiple military scholarships through its National Service Foundation scholarship program. The scholarships are for honorable veterans and military members who are on active duty, in the National Guard or in the Reserves, and the spouses, children and grandchildren of those veterans or current military members. These scholarships can be used to pay for undergraduate courses. To apply you must complete the FAFSA, provide SAT or ACT scores, and write a 350- to 500-word essay, among other requirements.
Amount: Up to $12,000 across four years ($3,000 per year)
American Veterans (AMVETS) also offers two memorial scholarships, including the Dr. Aurelio M. Caccomo Family Foundation Memorial Scholarship. Like the National Service Foundation Scholarships, this scholarship is for undergraduate coursework. To apply you must complete the FAFSA, provide SAT or ACT scores, and write a 350- to 500-word essay, among other requirements.
Amount: Up to $20,000
The American Legion Legacy Scholarship is designed for children of U.S. military members who died while on active duty on or after Sept. 11, 2001, as well as children of post-9/11 veterans have a combined disability rating of 50% or above, as assigned by the U.S. Department of Veterans Affairs. The scholarships are need-based and can be used for undergraduate- or graduate-level coursework. The application requires that you submit the FAFSA, as well as information about your college financial aid package and any other government veterans benefits you’re awarded.
Amount: $1,500 to $5,000
The Purple Heart Scholarship Program awards scholarships to Purple Heart recipients, as well as their spouses, children and grandchildren. To be eligible, the Purple Heart recipient must be a member of The Military Order of the Purple Heart (MOPH). The scholarship can be used to pay for full-time enrollment at an accredited undergraduate program or trade school.
The Coast Guard Exchange Scholarship Program is for dependent children of Coast Guard members (including active duty, reserve, retired, current Coast Guard auxiliarists and current civilian employees) who are pursuing an undergraduate degree. Students must be in their final year of high school to apply. The application requirements include a high school transcript, SAT or ACT scores, a one-page essay and two letters of recommendation.
This award is listed above under “Active duty scholarships” and also includes children of women serving in the Army.
This award is listed above under “Active duty scholarships” and also includes children of Marines.
This award is listed above under “Active duty scholarships” and also includes children of Coast Guard members.
Finally, here are some scholarship awards for Reserve Officer Training Corps (ROTC) cadets.
Amount: Full tuition, plus a stipend for living expenses
There are multiple Army ROTC scholarships for graduating high school students who are interested in enrolling in Army ROTC, as well as current college students and enlisted soldiers. These full-tuition, merit-based scholarships also provide $420 a month for living expenses and allowances for books and fees. The application process and commitment requirements vary depending on whether you’re an incoming college freshman, already enrolled in college or are already enlisted.
Amount: $2,000 to $3,000
AFCEA is an international non-profit organization that connects militaries, governments and industry communities. The AFCEA Educational Foundation ROTC scholarships are designed for sophomores and juniors who are enrolled in the Army, Navy, Marine Corps or Air Force ROTC. To be eligible, you must be pursuing a major in a science, technology, engineering or mathematics (STEM) field that supports the mission of the AFCEA Education Foundation such as biometrics, computer engineering, cybersecurity or robotics technology.
Does the military pay for college? In many cases, yes. The GI Bill offers education benefits to help veterans and their families pay for an undergraduate or graduate degree, or a career training program. You can get up to 36 months of benefits, which help cover expenses including tuition, books and housing.
How can you check if you qualify for the GI Bill? The U.S. Department of Veterans Affairs’ website has information about GI Bill eligibility requirements. There are different versions of the GI Bill, including the Montgomery GI Bill and the Post-9/11 GI Bill. The department’s GI Bill Comparison Tool can help you weigh your options.
Should veterans report educational benefits as income on FAFSA? No. Veteran education benefits are considered a resource and shouldn’t be reported on the FAFSA. However, you will need to report non-education veterans benefits, such as disability benefits and VA educational work-study allowances.
Are college grants for veterans available? Yes. Options may include the federal Pell Grant and the Iraq and Afghanistan Service Grant, which is for students whose parents died while serving in Iraq and Afghanistan after 9/11. There are also military grants and scholarships available from private organizations, state governments, military branches and colleges.
Andrew Pentis contributed to this report.
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|0.94% – 11.98%1||Undergraduate|
|1.13% – 11.23%*,2||Undergraduate|
|0.94% – 11.44%3||Undergraduate|
|1.47% – 11.31%4||Undergraduate|
|0.95% – 11.18%5||Undergraduate|
|1.03% – 11.01%6||Undergraduate|
|0.00% – 23.00%8||Undergraduate|
|* 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 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.
Rates shown are for the College Ave Undergraduate Loan product and include autopay 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.
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. This informational repayment example uses typical loan terms for a first year graduate student 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 7.10% fixed Annual Percentage Rate (“APR”): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 11/24/2021. Variable interest rates may increase after consummation. Approved interest rate will depend on the creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.
2 Sallie Mae Disclaimer: Click here for important information. Terms, conditions and limitations apply.
3 Rate range above includes optional 0.25% Auto Pay discount. Important Disclosures for Earnest.
Actual rate and available repayment terms will vary based on your income. Fixed rates range from 3.19% APR to 13.03% APR (excludes 0.25% Auto Pay discount). Variable rates range from 1.19% APR to 11.69% APR (excludes 0.25% Auto Pay discount). Earnest variable interest rate student loan refinance loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate (SOFR) published by the Federal Reserve Bank of New York. The variable rate is based on the rate published on the 25th day, or the next business day, of the preceding calendar month, and using the daily interest rate based on actual days in the year and rounding up, plus a margin and will change on the 1st of each month. The rate will not increase more than once per month. Although the rate will vary after you are approved, it will never exceed 36% (the maximum allowable for this loan). Please note, Earnest Private Student Loans are not available in Nevada.
4 Important Disclosures for Ascent.
Ascent loans are funded by Bank of Lake Mills, Member FDIC. Loan products may not be available in certain jurisdictions. Certain restrictions, limitations; and terms and conditions may apply. For Ascent Terms and Conditions please visit: AscentFunding.com/Ts&Cs.
Rates are effective as of 01/01/2022 and reflect an automatic payment discount of either 0.25% (for credit-based loans) OR 1.00% (for undergraduate outcomes income-based loans). Automatic Payment Discount is available if the borrower is enrolled in automatic payments from their personal checking account and the amount is successfully withdrawn from the authorized bank account each month. For Ascent rates and repayment examples please visit: AscentFunding.com/Rates.
1% Cash Back Graduation Reward subject to terms and conditions, please visit AscentFunding.com/Cashback. Cosigned Credit-Based Loan student borrowers must meet certain minimum credit criteria. The minimum score required is subject to change and may depend on the credit score of your cosigner. Lowest APRs are available for the most creditworthy applicants and may require a cosigner.
5 Important Disclosures for SoFi.
UNDERGRADUATE LOANS: Fixed rates from 2.99% to 10.66% annual percentage rate (“APR”) (with autopay), variable rates from 0.95% to 11.18% APR (with autopay). GRADUATE LOANS: Fixed rates from 4.08% to 10.90% APR (with autopay), variable rates from 1.00% to 11.29% APR (with autopay). PARENT LOANS: Fixed rates from 4.23% to 10.66% APR (with autopay), variable rates from 1.15% to 11.18% APR (with autopay). For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. Interest rates for variable rate loans are capped at 13.95%, unless required to be lower to comply with applicable law. Lowest rates are reserved for the most creditworthy borrowers. If approved for a loan, the interest rate offered will depend on your creditworthiness, the repayment option you select, the term and amount of the loan and other factors, and will be within the ranges of rates listed above. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Information current as of 11/01/2021. Enrolling in autopay is not required to receive a loan from SoFi. Loans originated by SoFi Lending Corp. or an affiliate (dba SoFi), licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. NMLS #1121636 (www.nmlsconsumeraccess.org).
6 Important Disclosures for Citizens Bank.
Citizens Bank Disclosures
Undergraduate Rate Disclosure: Variable interest rates range from 1.03% – 11.01% (1.03% – 10.24% APR). Fixed interest rates range from 3.23% – 11.70% (3.23% – 10.83% APR).
Graduate Rate Disclosure: Variable interest rates range from 1.89% – 10.66% (1.89% – 10.41% APR). Fixed interest rates range from 4.64% – 11.23% (4.64% – 10.95% APR).
Business/Law Rate Disclosure: Variable interest rates range from 1.89% – 9.22% (1.89% – 8.50% APR). Fixed interest rates range from 4.24% – 9.74% (4.24% – 9.02% APR).
Medical/Dental Rate Disclosure: Variable interest rates range from 1.89% – 8.02% (1.89% – 7.72% APR). Fixed interest rates range from 4.18% – 8.54% (4.18% – 8.24% APR).
Parent Loan Rate Disclosure: Variable interest rates range from 1.97%-7.06% (1.97%-7.06% APR). Fixed interest rates range from 4.55%-7.58% (4.55%-7.58% APR).
Bar Study Rate Disclosure: Variable interest rates range from 4.44% – 9.58% (4.44% – 9.52% APR). Fixed interest rates range from 7.39% – 12.94% (7.39% – 12.82% APR).
Medical Residency Rate Disclosure: Variable interest rates range from 3.53% – 7.03% (3.53% – 6.75% APR). Fixed interest rates range from 6.99% – 10.49% (6.97% – 10.08% APR).
IS Variable Rate Disclosure: Variable Rates advertised are 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 of December 1, 2021, the one-month LIBOR rate is 0.09%. Variable interest rates will fluctuate over the term of the loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree and presence of a co-signer. Your final variable rate may be based upon the 30-day average SOFR index, as published by the Federal Reserve Bank of New York. The maximum variable rate is the greater of 21.00% or Prime Rate plus 9.00%.
ERL Variable Rate Disclosure: Variable interest rates are based on the 30-day average Secured Overnight Financing Rate (“SOFR”) index, as published by the Federal Reserve Bank of New York. As of December 1, 2021, the 30-day average SOFR index is 0.05%. Variable interest rates will fluctuate over the term of the loan with changes in the SOFR index, and will vary based on applicable terms, level of degree and presence of a co-signer. The maximum variable interest rate is the greater of 21.00% or the prime rate plus 9.00%.
Fixed Rate Disclosure: Fixed rate ranges are based on applicable terms, level of degree, and presence of a co-signer.
Lowest Rate Disclosure: Lowest rates are only available for the most creditworthy applicants, require a 5-year repayment term, immediate repayment, a graduate or medical degree (where applicable), 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. Rates are subject to additional terms and conditions, and are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change.
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. Borrowers should carefully review federal benefits, especially if they work in public service, are in the military, are considering possible loan forgiveness options, 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. 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 on our website 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.
Eligibility Criteria: Applicants must be a U.S. citizen, permanent resident, or eligible non-citizen with a creditworthy U.S. citizen or permanent resident co-signer. For applicants who have not attained the age of majority in their state of residence, a co-signer is required. Citizens Bank reserves the right to modify eligibility criteria at any time. Citizens Bank private student loans are subject to credit qualification, completion of a loan application/Promissory Note, verification of application information, and if applicable, self-certification form, school certification of the loan amount, and student’s enrollment at a Citizens Bank participating school.
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.
7 Important Disclosures for Funding U.
Funding U Disclosures
Offered terms are subject to change. Loans are made by Funding University which is a for-profit enterprise. Funding University is not affiliated with the school you are attending or any other learning institution. None of the information contained in Funding University’s website constitutes a recommendation, solicitation or offer by Funding University or its affiliates to buy or sell any securities or other financial instruments or other assets or provide any investment advice or service.
8 Important Disclosures for Edly.
1. Loan Example:
About this example
The initial payment schedule is set upon receiving final terms and upon confirmation by your school of the loan amount. You may repay this loan at any time by paying an effective APR of 23%. The maximum amount you will pay is $22,500 (not including Late Fees and Returned Check Fees, if any). The maximum number of regularly scheduled payments you will make is 60. You will not pay more than 23% APR. No payment is required if your gross earned income is below $30,000 annually or if you lose your job and cannot find employment.
2. Edly Student IBR Loans are unsecured personal student loans issued by FinWise Bank, a Utah chartered commercial bank, member FDIC. All loans are subject to eligibility criteria and review of creditworthiness and history. Terms and conditions apply.