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Navigating the cost of law school can be daunting, but scholarships offer a valuable way to reduce financial burdens and make your legal education more affordable. Whether you’re a prospective law student or currently enrolled, understanding the variety of scholarships available can help you secure funding for your studies.

Keep reading to learn the types of law school scholarships available, tips for finding law school scholarships, and strategies for crafting compelling applications to increase your chances of success.

The Average Cost of Law School

The average annual cost of tuition at a public, out-of-state law school in 2025 was $45,208 per year ($30,540 per year for in-state students). For private law schools, the average tuition in 2025 was $53,034 per year. And, according to Education Data Initiative, the average total cost of law school is $217,480.

Because students aren’t yet racking up those billable attorney hours, it can be helpful to research law school scholarship opportunities before applying to reduce the financial burden of law school.

Additional Costs Beyond Tuition (Books, Fees, Living Expenses)

As stated above, the average cost of law school is $217,480. This includes tuition, books, fees, and living expenses. Living expenses, including housing, transportation, and health insurance, will vary by location but often represent a large portion of a student’s total budget. Other expenses include:

•   Books: $1,000-$2,250 per year

•   Fees: $1,639-$1,790 per year

Together, these additional costs can make law school far more expensive than tuition alone suggests, so thorough financial planning is essential.

Recommended: Paying for College Without Financial Aid

Types of Law School Scholarships

Per the numbers mentioned above, there might be a fair amount of sticker shock for those who haven’t yet applied for graduate school and are only thinking of someday going the lawyer route. Fortunately, there are a range of options for aspiring attorneys seeking to fund law school.

Full-Ride Tuition Law School Scholarships

Some colleges may offer full-ride tuition scholarships and need-based grants for college. Full-rides, of course, are not available at all law schools. If a law school doesn’t explicitly advertise or highlight information regarding full-ride opportunities, interested students can contact the school to ask.

Students deciding whether to apply to law school may want to familiarize themselves with the language universities adopt to explain these scholarships. In some cases, specific scholarships are designated for particular students. Full-ride law school scholarships can be highly competitive — with some schools offering as few as two to four per enrollment year. One potential tip for the search for scholarships is to target law schools with more tuition help.

General Law School Scholarships

There are many options for law school hopefuls to find potential scholarships. These scholarships are often awarded by the school based on academic merit, LSAT performance, leadership experience, or a demonstrated commitment to the field.

In addition to school-sponsored awards, numerous organizations, foundations, and legal associations offer general scholarships for law students. These external scholarships may emphasize academic achievement, professional potential, or community involvement and are often open to applicants from various backgrounds and career interests.

And finally, don’t overlook smaller or less-publicized awards, which may go as unclaimed scholarships. These opportunities can provide meaningful financial support, and dedicating time to research them can give you an advantage in reducing your overall law school costs.

Law School Scholarships from Law Firms

Some law firms offer scholarships to law school students. Applying is typically a straightforward process, with many firms requiring a short essay, transcripts, and sometimes references to be considered. One such law firm scholarship is offered by the Dominguez Firm, which offers $2,500 and $5,000 annually to selected student applicants.

On top of this, there’s the rising trend of law firms helping new hires to repay a portion of their student debt once onboarded.

Diversity Law School Scholarships

Some scholarships are awarded to students with diverse backgrounds. One example of this is the Legal Opportunity Scholarship Fund offered by the American Bar Association. This $15,000 scholarship is awarded to law students from a racial or ethnically diverse background.

The USLaw Network Foundation also offers a $5,000 scholarship for up to 10 diverse students.

Law School Scholarships for Women

Some scholarships are offered to women attending law school. One resource is the American Association of University Women (AAUW) Fellowships and Grants, which offers scholarships to women in graduate studies, including law.

A specific scholarship for women is the Pearce Law Firm Empowering Women in Law Scholarship. This is a $1,500 scholarship awarded to female law students (or those accepted into J.D. programs) across the U.S. Recipients must submit a 700–1,000‑word essay explaining why more women should pursue law, their motivation to become a lawyer, and how they plan to make an impact.

Need-Based Law School Scholarships

Need-based law school scholarships are awarded to students whose financial circumstances make paying for law school particularly challenging. These scholarships consider factors such as family income, assets, employment history, and overall financial need rather than academic metrics alone. Many law schools use detailed financial aid applications to determine eligibility, while some external organizations also offer need-based awards to help reduce reliance on student loans.

Public Interest Law Scholarships

Public interest law scholarships support students committed to careers serving the public good, such as working in legal aid, nonprofit organizations, government agencies, or advocacy groups. These scholarships often emphasize a dedication to social justice and community impact, helping ease the financial burden of law school for those pursuing lower-paid but mission-driven legal roles.

One example is the Furman Public Policy Scholarship at NYU, which is a full-ride scholarship offered to someone with a commitment to public interest law.

Recommended: What Is a Graduate Fellowship? Tips for Applying

Finding Scholarships for Law School

Finding scholarships for law school starts with knowing where to look and which resources offer the most value. A strategic approach can help you uncover a mix of school-based, local, and national opportunities.

University Financial Aid Offices and Online Scholarship Databases

University financial aid offices and online scholarship databases are essential starting points for finding law school funding. Financial aid offices can guide you toward school-specific awards, FAFSA-related aid, and institutional grants, while reputable databases like LSAC, Fastweb, and AccessLex compile hundreds of external scholarships, making it easier to search by eligibility, interests, and financial need.

Local Bar Associations and Legal Organizations

Local bar associations, community foundations, and legal organizations frequently offer scholarships aimed at supporting aspiring attorneys within their region. These awards may prioritize students committed to public service, diversity in the legal field, or specific areas of law. Because they draw from smaller applicant pools, local scholarships can be more accessible.

Recommended: Applying to Graduate School: Smart Tips & Strategies

Negotiating Wiggle Room

Doing all this research and the math around law school scholarships could put applicants in a more informed position when evaluating which program to attend — and, potentially, help them to identify schools more likely to be interested in their application.

A reality of today’s admissions process for law school is negotiating scholarships. Some schools have a strict policy against negotiating, but others fully expect their initial offer to be countered. That’s why it can help to save acceptance letters and anything in writing from schools that offer admission.

Suggestions for Negotiating Law School Scholarship Offers

Offer letters could be shared with competing schools, asking if they’re able to match another university’s aid. It might be uncomfortable asking for more tuition assistance upfront, but a little discomfort now could help applicants shoulder less law school debt later on.

Doing research on law schools (and figuring out the likely cost of living expenses at each institution) could help applicants to determine which scores or grades to aim for in an effort to make law school more affordable for them. Tabulating expenses (and having records on hand) may also demonstrate to universities that the amounts being negotiated are based on well-documented expenses.

Timing Your Negotiation for Maximum Leverage

To maximize your chances of a successful negotiation, begin the conversation before the deposit deadline but early enough for financial aid offices to reassess your package. Reaching out during this window increases your chances of securing a higher scholarship while demonstrating professionalism and genuine interest in the school.

Recommended: Law School Loan Forgiveness and Repayment Options

Federal vs Private Loans for Law School

Students wanting to apply to law school should consider the differences between federal and private student loans. Federal loans come with certain benefits not guaranteed by private ones (such as forbearance or income-driven repayment), and should be used first before seeking private student loans.

Pros and Cons of Federal Student Loans for Law School

Federal student loans offer law students predictable interest rates, flexible repayment plans, and access to protections like income-driven repayment and Public Service Loan Forgiveness. While these benefits make them a reliable option, federal loans also come with borrowing limits, potentially higher interest rates than some private loans, and long-term costs that can add up over time.

Pros:

•   Fixed interest rates

•   Access to income-driven repayment plans

•   Eligibility for Public Service Loan Forgiveness

•   Deferment and forbearance options for financial hardship

Cons:

•   Potentially higher interest rates than qualified private loans

•   Borrowing limits may require supplemental financing

•   Interest accrues while in school for most loans

•   Longer repayment terms can increase total costs

When to Consider Private Student Loans

Private student loans may be worth considering when you’ve exhausted all federal financial aid options, including federal loans, grants, and work-study. They can help bridge funding gaps when federal loan limits fall short of covering the full cost of attendance, especially at higher-cost law programs.

Private lenders often offer competitive interest rates, which can make them appealing for students with strong credit or a creditworthy cosigner.

It’s important to note that private student loans don’t offer the same benefits and protections afforded to federal student loan borrowers, like Public Service Loan Forgiveness (PSLF). If a law school applicant is interested eventually in becoming a public defender or pursuing non-profit legal work, forgiveness and forbearance perks may play a role in their decision.

The Takeaway

Students looking to offset law school costs with scholarships can look to their law school, scholarship databases, local law firms, and other organizations for resources. Consider contacting the financial aid office at your law school if you are looking for scholarship resources. If students interested in law school find themselves coming up short on funds for the JD after scholarships and federal aid, additional options may be available.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.

Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.

FAQ

What LSAT score will get me a scholarship?

One general rule of thumb is that students who have an LSAT score (and sometimes GPA) above the median for a certain school could qualify for a scholarship. Chances of qualifying are even greater if your score falls in the 75th percentile for the school.

What is a good scholarship for law school?

Any scholarship for law school is a good scholarship. Scholarships typically don’t need to be repaid and can help reduce a student’s debt burden. Students looking for law school scholarships can apply for institutional aid and aid through other sources like nonprofit organizations.

Do top law schools give scholarships?

While some top law schools do not offer scholarships, many law schools do offer law school scholarships to students. For example, in the 2024-2025 class at Yale, 67% of students qualified for some form of financial aid and 62% qualified for an institutional law school scholarship. Check directly with the schools you are interested in to see if they offer scholarships to students.

Can you negotiate a better law school scholarship offer?

Yes, you can often negotiate a better law school scholarship offer. Many schools allow applicants to present competing offers from other institutions to request additional funding. Success depends on factors like your LSAT score, GPA, and the school’s enrollment goals, but respectful, well-documented negotiations can lead to increased aid.

Are law school scholarships renewable each year?

Many law school scholarships are renewable each year, but they often come with conditions. Students typically must maintain a minimum GPA or class ranking to keep their award. Renewal policies vary by school, so it’s important to review requirements carefully to avoid losing funding after the first year.

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Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

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Scholarships are free money to help cover the cost of going to college, and they don’t need to be paid back like student loans. There are many scholarships and other forms of financial assistance that can help students with disabilities pay for college.

Below, we’ve outlined a list of disability scholarships, including their eligibility requirements and tips for applying.

What Is a Disability Scholarship?

A disability scholarship is a form of financial aid that’s intended specifically for students with a disability. Scholarships for students with disabilities may be used to cover the cost of support services in addition to tuition and room and board.

Scholarships and grants for college are a type of financial aid that you don’t need to pay back, making them a helpful resource to pay for college and school-related expenses.

Eligibility Requirements for Disability Scholarships

It’s important to review the eligibility requirements before applying for a scholarship or grant. Some scholarships may be open to all students with a documented disability, while others are reserved for applicants with certain types of physical, learning, or emotional disabilities.

Types of Disabilities Covered by Scholarships

Types of scholarships for students with disabilities cover a wide range of conditions, helping ensure that financial support is accessible to many learners with diverse needs. While some programs are broad and open to any documented disability, others are tailored to specific physical, cognitive, or sensory conditions.

Common disability categories include:

•   Physical disabilities (mobility impairments, chronic illnesses)

•   Visual impairments or blindness

•   Hearing impairments or deafness

•   Learning disabilities (such as dyslexia or ADHD)

•   Autism spectrum disorders

•   Mental health conditions

•   Intellectual and developmental disabilities

Recommended: Grants, Scholarships, and Loans: Differences

American Association on Health and Disability Scholarship

One notable scholarship for students with disabilities is the Frederick J. Krause Scholarship, which is funded by the American Association on Health and Disability. It provides multiple awards of $1,000 to students with a disability who are pursuing an undergraduate or graduate degree in a field related to disability and health.

To be eligible to apply, students must have completed at least one full year of college or be enrolled in a graduate degree program.

10 Scholarships for Students With Disabilities

In addition to the scholarship mentioned above, there are many other scholarships for students with disabilities to continue their education.

Scholarships can come from a variety of sources, including charitable foundations, nonprofit organizations, and private companies. Awards can be based on financial need, academic merit, or both.

There may be additional eligibility requirements, such as location or field of study. For instance, scholarships may be open to all levels of higher education or specific to students enrolled in undergraduate, graduate, or vocational programs.

Below is a list of 10 scholarships that are available exclusively to students with disabilities.

1. Microsoft Disability Scholarship

Scholarship amount: $5,000 in previous years; new amounts announced January 2026

Application deadline: October 1 in previous years; new deadlines announced January 2026

The Microsoft Disability Scholarship is awarded to current high school seniors with disabilities who plan to enroll in an accredited two- or four-year college or vocational/technical school in the U.S. Applicants must demonstrate leadership experience and a passion for technology, as well as be planning to pursue a degree in engineering, computer science, computer information systems, law, business, or a related field.

Recommended: Is a Computer Science Degree Worth It?

2. Anne Ford Scholarship

Scholarship amount: $10,000 ($2,500/year over four years)

Application deadline: April 20

The Anne Ford Scholarship, by the National Center for Learning Disabilities, gives a $10,000 award to a graduating high school senior with a documented learning disability. To be eligible, students must be planning to enroll in a full-time bachelor’s degree program.

3. Allegra Ford Thomas Scholarship

Scholarship amount: $5,000 ($2,500/year over two years)

Application deadline: April 21

The Allegra Ford Thomas Scholarship, also offered by the National Center for Learning Disabilities, awards one scholarship to a graduating high school senior who will enroll in a two-year community college, a vocational or technical training program, or a specialized program for students with disabilities. To apply, students must have a documented learning disability.

4. John Lepping Memorial Scholarship

Scholarship amount: Up to $5,000

Application deadline: May 1

The John Lepping Memorial Scholarship provides awards to support disabled youth in New York, New Jersey, and Pennsylvania in attending college. Recipients must be able to provide proof of a physical or psychological disability with a letter of confirmation by a physician.

5. Musicians With Disabilities Scholarship

Scholarship amount: $1,500

Application deadline: March 13

Sigma Alpha Iota offers the Musicians With Disabilities Scholarship of $1,500 to a member of the international music fraternity with a qualifying disability. Applicants must be enrolled in an undergraduate or graduate degree program in music, or studying to become a teacher or therapist in this field.

6. American Council of the Blind’s Scholarship Program

Scholarship amount: Up to $7,500

Application deadline: February 14

The American Council of the Blind’s Scholarship Program provides educational scholarships between $2,000 and $7,500 for incoming freshman, undergraduate students, graduate students, and students attending technical college. To be eligible, applicants must be legally blind, maintain a 3.0 GPA or higher, and either study full-time or be a part-time student who works at least 32 hours per week.

7. Wells Fargo Stacey Milbern Scholarship

Scholarship amount: $1,250-$2,500

Application deadline: Not yet released

The Wells Fargo Stacey Milbern Scholarship provides awards to help students with disabilities pursue education at a two- or four-year college on a full-time or part-time basis. Scholarships are renewable, and full-time students are eligible for a $2,500 annual award, while part-time students are eligible for a $1,250 annual award.

Recommended: Ultimate College Application Checklist

8. Marion Huber Learning Through Listening Awards

Scholarship amount: $2,000-$6,000

Application deadline: December 31

The Marion Huber Learning Through Listening® Award grants multiple scholarships to high school seniors with a learning disability who are planning to study at a two- or four-year college or vocational school. Applicants must be an active Learning Ally member and graduating from a high school in the U.S. to be eligible.

9. Yellow Ribbon Scholarship

Scholarship amount: $5,000

Application deadline: April 30

The American Bus Association offers a Tony Orlando Yellow Ribbon Scholarship to undergraduate, graduate, and training school students who have a declared major or course of study relevant to transportation, travel, or tourism. Students with a physical or sensory disability, veterans, and children of a wounded military veteran are eligible to apply. Applicants must also have a cumulative GPA of 3.0 or higher.

10. Simmons and Fletcher, P.C., Students With Disabilities Scholarship

Scholarship amount: $500-$1,000

Application deadline: December 1

The Simmons and Fletcher, P.C., Students With Disabilities Scholarship is awarded to two students with disabilities based on an essay competition, with the winner receiving a $1,000 award and second place receiving a $500 award. To apply, students must be completing their first semester of college and continuing their studies.

Bonus Scholarship: SoFi’s Scholarship Sweepstakes

For a chance to win SoFi’s monthly $2,500 Scholarship Sweepstakes, simply let us know your name, email address, and school.

How to Apply for Disability Scholarships

Application requirements vary by scholarship opportunity, so it’s recommended to plan ahead. Taking note of submission deadlines can help prioritize which scholarships to apply for and ensure you stay on track for preparing and submitting materials.

Often, students have to write a personal statement or submit an essay as part of the application. It’s important to pay attention to the instructions, including prompts, word limits, and other criteria used to select scholarship recipients.

Submitting school transcripts and a letter of recommendation are two other common requirements. Think about who can best attest to your strengths and achievements when selecting a reference.

Keep in mind that some scholarships require that recipients submit documentation of their disability to accept the award.

Recommended: A Guide to Unclaimed Scholarships and Grants

Can I Apply for Scholarships for Disabled Students if I Have a Learning Disability?

Yes, if you have a learning disability, you can apply for scholarships for disabled students. Many scholarships are geared toward students with one or more disabilities, including physical and learning disabilities. For some scholarships, having a learning disability is an eligibility requirement.

Recommended: SoFi’s Scholarship Search Tool

The Takeaway

There are many scholarships that are specifically designated for students with disabilities. Scholarships and grants are a useful way for students with disabilities to pay for college and reduce student loan debt.

Many students use multiple funding sources, including federal student loans and private student loans, to help cover the cost of college.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.

Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.

FAQ

What types of scholarships are available for students with disabilities?

There are many scholarships for students with disabilities, including those based on specific disabilities, academic achievements, or financial need. Some scholarships are offered by disability advocacy organizations, while others are provided by colleges, nonprofits, or government programs to support educational success and accessibility for disabled students.

How can students with disabilities find scholarships?

Students with disabilities can find scholarships by researching online databases, consulting with school counselors, or reaching out to disability advocacy organizations. Websites like Disability.gov or the National Center for Learning Disabilities also offer scholarship listings tailored to specific needs.

What qualifies as a disability for scholarships?

A disability for scholarship purposes generally includes any documented physical, sensory, cognitive, mental health, or learning condition that substantially limits one or more major life activities. Eligibility typically requires medical or psychological documentation, and programs may define additional criteria depending on whether they target broad disabilities or specific conditions.

Do students with disabilities need to provide documentation when applying for scholarships?

Yes, most scholarships for students with disabilities require documentation of the disability. This might include a letter from a medical professional or educational accommodations documentation. Additionally, other materials like transcripts, essays, and recommendations may be required, depending on the scholarship’s criteria.

Can I apply for multiple disability scholarships at once?

Yes, you can apply for multiple disability scholarships at the same time, and doing so can increase your chances of receiving funding. Each scholarship has its own eligibility rules and application requirements, so be sure to review deadlines, prepare documentation, and tailor your materials to meet each program’s expectations.

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Photo credit: iStock/SeventyFour

SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.

Third Party Trademarks: Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®

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Scholarships are free money that can help fund an undergraduate or graduate degree. There are plenty of scholarships for women, including some with a purpose to encourage more females to pursue careers where they’re considered underrepresented, as well as scholarships to help them attend college.

Spending some time researching and applying for scholarships you may be eligible to receive could help you pay for college tuition. Keep reading to learn more on 12 top scholarships for women to help pay for college.

What Types of Scholarships Are There for Women?

There are plenty of scholarships available for women, including scholarships for undergraduate students and scholarships for graduate students.

Scholarships may be need-based or merit-based awards. Each one will have specific qualifying and application requirements. Scholarships, essentially, can be like finding free money for college.

Some scholarships may also be location-based, such as those for residents of certain states or for specific schools. There are even some unclaimed scholarships you may be eligible for.

You can use SoFi’s scholarship finder to find and apply for scholarships you qualify for.

💡 Quick Tip: Fund your education with a competitive-rate, no-fees-required SoFi private student loan that covers up to 100% of school-certified costs.

Need-Based vs. Merit-Based Scholarships

Need-based scholarships for women are awarded primarily based on financial need. They’re designed to support applicants whose household income, life circumstances, or financial barriers make paying for education challenging. These scholarships often require documents like tax returns or FAFSA information to show that the applicant genuinely needs financial assistance to pursue her goals.

Merit-based scholarships, on the other hand, focus on achievements rather than financial background. They reward academic excellence, leadership, community involvement, or exceptional talent in areas such as STEM, arts, or athletics. Rather than evaluating income, these scholarships assess accomplishments, grades, or demonstrated potential, making them accessible to women who have excelled in their chosen paths.

Scholarships for Women Returning to School

Scholarships for women returning to school are a type of scholarship designed to help ease the financial burden many face when re-entering higher education after time away. These awards recognize that women often step out of school for reasons like caregiving, career shifts, or financial challenges, and they aim to make the transition back more accessible and affordable. Many of these scholarships consider factors such as financial need, life circumstances, or the desire to advance in a new career path.

Three examples of scholarships for women returning to school include P.E.O. Program for Continuing Education (PCE), Society of Women Engineers (SWE) Reentry Scholarships, and the Jeannette Rankin Foundation Scholarship.

Are There Scholarships for Women in STEM?

There are many scholarships for women who are pursuing careers in science, technology, engineering, and math (STEM). According to the U.S. Equal Employment Opportunity Commission, 29% of all STEM workers are women, with math, engineering, and computer-related jobs being the least represented.

Government organizations, industry associations, and even technology companies offer industry-specific scholarships (we’ll talk more about some of them below). For instance, companies like Google or associations such as the Society for Women Engineers (SWE) offer scholarships for women.

Recommended: I Didn’t Get Enough Financial Aid: Now What?

Fields Commonly Supported by STEM Scholarships

STEM scholarships commonly support fields that drive innovation and require strong technical skills, such as engineering, computer science, and the physical and biological sciences. Many programs also fund studies in mathematics, technology, and emerging areas like cybersecurity, data science, and renewable energy. These fields are often prioritized because they face workforce shortages and play a critical role in economic growth and scientific advancement.

Organizations That Support Women in STEM

Many organizations exist to support women pursuing careers in STEM by providing scholarships, mentorship, networking opportunities, and professional development. Five specific organizations include:

•   Society of Women Engineers (SWE): Provides scholarships, networking, mentorship, and professional development to women in engineering and technology.

•   AnitaB.org: Focuses on advancing women in computing through conferences (like the Grace Hopper Celebration), research, and organizational programs.

•   Association for Women in Science (AWIS): Advocates for women across all STEM disciplines by offering mentorship, career resources, and policy engagement.

•   National Center for Women & Information Technology (NCWIT): Works to increase women’s participation in computing through education programs, research, and community-building initiatives.

•   Girls Who Code: Offers after-school clubs, summer programs, and resources to close the gender gap in technology by equipping young women with coding skills.

Recommended: Scholarships for STEM Students

Popular Scholarships For Women

Below are 12 scholarships available to women that could help you avoid taking on too much student loan debt:

Pepperdine Legacy Partners (PLP) Helen Young Scholarship

Scholarship amount: $5,000

Application deadline: February 15

The Pepperdine Legacy Partners (PLP) Helen Young Scholarship is formerly known as the Associated Women for Pepperdine (AWP) Scholarship. It is one of the largest women’s groups awarding scholarships for female Christian students (though, men can receive this scholarship, too). There are several awards up for grabs, and scholarships can be renewed.

To qualify, applicants need to be students at Pepperdine University, current and active members of the Church of Christ, submit a letter of recommendation from a leader of the Church of Christ, and fill out the Free Application for Federal Student Aid (FAFSA®) application.

Gertrude M. Cox Scholarship

Scholarship amount: $1,000

Application deadline: March 1

The Cox Scholarship aims to encourage women to pursue professions related to the statistics field. There are two scholarships, one for a female early on in their graduate career, and the other for a woman at a more advanced level. Applicants need to be permanent residents or citizens in the U.S. or Canada and be admitted to a full-time graduate statistics program of the year the scholarship is awarded.

Jeannette Rankin Women’s Scholarship Fund

Scholarship amount: Up to $2,500

Application deadline: February 13

This scholarship is for women age 35 or older who are considered low-income and enrolling into a not-for-profit accredited educational institution. Women can pursue an associate’s or bachelor’s degree, or technical or vocational education. To apply, applicants need to demonstrate financial need and answer questions based on their academic and career goals.

American Association of University Women (AAUW) Selected Professions Fellowships

Scholarship amount: $20,000

Application deadline: October

The AAUW awards multiple scholarships, and the Selected Professions Fellowships is one of them.

Women may apply if they intend on pursuing full-time studies at an accredited U.S. institution in a field where women have had historically low enrollment. For instance, scholarships are awarded for women pursuing degrees in STEM and engineering.

Eligibility criteria include women who can prove they have shown promise of high academic excellence and distinction.

Recommended: 7 Tips to Lower Your Student Loan Payments

American Indian Services (AIS) Scholarship

Scholarship amount: $500-$2,000

Application deadline: July 1 to November 1 (depending on when the applicant’s classes start)

The AIS Scholarship aims to help Native American students enrolling in an accredited institution pursue higher education. Awards are given on a quarterly basis, though you’ll only need to apply once per year.

Eligibility requirements include being at least one-quarter of an enrolled member, or descendant of an enrolled member of a U.S. Federally Recognized Native American Tribe, enrolled at least half-time, and completed the FAFSA. This award is currently only available to undergraduate students.

Educational Foundation for Women in Accounting Scholarships

Scholarship amount: $1,500-$5,000

Application deadline: Varies (most end April 30)

The Educational Foundation for Women in Accounting offers multiple scholarship opportunities for women pursuing undergraduate, graduate, or postgraduate degrees in accounting. Applicants may apply to more than one scholarship excluding the Women in Transition and Women in Need awards, of which students can only apply to one.

Eligibility criteria varies, though most will require applicants to provide transcripts, demonstrate financial need, and prove they’re committed to working in the accounting field.

Patsy Takemoto Mink Education Foundation Scholarship

Scholarship amount: $5,000

Application deadline: New information released May 2026

The Patsy Takemoto Mink Education Foundation Scholarship provides financial support to low-income women of color who are pursuing education or vocational training to improve their career prospects. Named after Congresswoman Patsy Takemoto Mink, the scholarship aims to help women overcome economic barriers and gain skills for long-term self-sufficiency.

Applicants must demonstrate financial need, academic potential, and a commitment to completing their educational or training programs, making it an important resource for women seeking to advance their careers and achieve personal and professional growth.

American Nephrology Nurses Association Career Mobility Scholarships

Scholarship amount: $1,000 to $3,000

Application deadline: November

The American Nephrology Nurses Association, or ANNA, offers Career Mobility Scholarships ranging from $1,000 to $3,000 designed to support qualifying members who are pursuing an advanced or BSN degree in nursing. Qualifying criteria includes being a current full ANNA member for at least one year, enrolled or accepted into a qualifying nursing program, and a 250-word essay outlining the potential impact of the scholarship.

Chicana Latina Foundation Scholarships

Scholarship amount: $1,500

Application deadline: Next application cycle will open on January 1

Self-identifying Chicana or Latina college students living in qualifying California counties can apply for a $1,500 scholarship. They need to be students attending an accredited community college, college, or university full-time and meet certain academic requirements. Plus, they’ll need to attend the Chicana Latina Foundation (CLF) Leadership Institute and CLF Annual Awards Dinner if selected for a scholarship.

To apply for this scholarship, applicants will be required to submit one letter of recommendation from a counselor/professor or community member.

Undergraduate students need to submit unofficial or official transcripts from their current degrees and one letter of recommendation. Graduate students will also need to submit a resume or CV in addition to providing a transcript and letter of recommendation.

💡 Quick Tip: Master’s degree or graduate certificate? Private or federal student loans can smooth the path to either goal.

The Women In Aerospace Foundation Scholarship

Scholarship amount: $5,000

Application deadline: June

The Women In Aerospace Foundation aims to promote careers in the aerospace field — this scholarship program is one of the ways it does so. The organization awards four $5,000 awards to women who are rising juniors and seniors working for a bachelor’s degree in engineering, math, or science.

To qualify, applicants need to be currently enrolled in an accredited U.S. college or university, plan to enroll the next academic year, and complete a minimum of 2.5 academic years of full-time college. Applicants also need to have a minimum of a 3.0 GPA.

P.E.O. Program for Continuing Education

Scholarship amount: Up to $4,000

Application deadline: 30 days from when a local P.E.O. chapter recommends you

The P.E.O. Program for Continuing Education (PCE) is a need-based grant up to $4,000 to support women in the U.S. and Canada whose education has been interrupted and who wish to return to school to complete a degree or certification that will improve their employability.

To be eligible, women must be recommended by a local P.E.O. chapter, be U.S. or Canadian citizens or permanent residents, have had at least 24 consecutive months as a non-student, and be enrolled in an accredited program that leads to employment or advancement. They must also be within 18 consecutive months of completing their program, and they cannot already hold a master’s degree or be enrolled in a doctoral program.

Recommended: Grants for College

Society of Women Engineers Scholarship

Scholarship amount: $1,000-$5,000

Application deadline: Emerging First Year Scholars – February 2, 2026; Collegiate/Graduate Scholars – March 31, 2026; India Scholars – March 31, 2026

The Society of Women Engineers (SWE) Scholarship program offers robust financial support to women pursuing undergraduate or graduate degrees in engineering, engineering technology, or computing at ABET-accredited schools. Award amounts typically range from $1,000 to $5,000, though some awards may be higher depending on donor funding.

To apply, candidates submit an application with their transcripts, a personal essay, and a letter of recommendation. One application allows you to apply for all scholarships you’re eligible for, including Emerging First Year Scholars, Collegiate/Graduate Scholars, and India Scholars.

The Takeaway

Applying for one of the many scholarships for women can be a smart tactic if you’re trying to figure out how to pay for your college education. In addition to the scholarships listed here, there are a variety of other opportunities — many scholarships go unclaimed because they don’t receive enough applications. It doesn’t hurt to submit an application since the worst they’ll say is “no,” and the benefits are well worth it.

There are other ways to help cover the cost of college as well, and you’ll likely want to explore your options to see what makes the most sense for your situation.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.

Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.

With SoFi, refinancing is fast, easy, and all online. We offer competitive fixed and variable rates.

FAQ

Are there scholarships specifically for women over 30?

Yes, there are scholarships specifically for women over 30. Organizations like the American Association of University Women (AAUW) and the Jeannette Rankin Foundation (JRF) offer financial aid to support women returning to education or pursuing career advancement. Check their websites for eligibility and application details.

Can women in trade schools apply for scholarships?

Yes. Women in trade schools can apply for many scholarships specifically created to support women pursuing skilled trades. These scholarships are offered by trade associations, nonprofits, unions, and private organizations to help cover tuition, tools, exams, and training costs, encouraging more women to enter high-demand technical fields.

Are there scholarships for women of color?

Yes, there are scholarships for women of color. Organizations like the United Negro College Fund, Hispanic Scholarship Fund, and Asian & Pacific Islander American Scholarship Fund offer financial aid to support diverse students. Additionally, many universities and professional groups have specific programs for women of color.

How competitive are scholarships for women in STEM fields?

Scholarships for women in STEM fields are highly competitive due to the growing emphasis on diversity and inclusion. Many organizations, such as the Society of Women Engineers and the National Science Foundation, offer these scholarships, but the number of applicants often exceeds the available awards. Strong academic performance, relevant experience, and compelling essays are crucial.

What documents are typically required to apply for women’s scholarships?

Most women’s scholarship applications require proof of identity, transcripts, letters of recommendation, and a personal essay. Many also ask for financial information, a resume, and documentation showing eligibility, such as enrollment verification, income details, or proof of belonging to a specific group, field, or demographic the scholarship supports.

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Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).

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Managing student loan payments can feel overwhelming, especially if you’re experiencing financial difficulties. Fortunately, there are several options available to federal student loan borrowers in a tough financial situation.

One option, Economic Hardship Deferment, temporarily pauses payments for qualifying federal student loan borrowers who are experiencing severe financial difficulty.

Read on to find out how Economic Hardship Deferment works, what the eligibility requirements are, how to apply, and whether deferment is the right option for you

What Is Economic Hardship Deferment?

Student loan deferment allows eligible borrowers to reduce or pause their student loan payments for a specific period of time. There are several types of deferment, including Economic Hardship Deferment, which is for those who are facing serious financial trouble. This deferment allows borrowers who meet the requirements to temporarily pause their student loan payments.

How Long Economic Hardship Deferment Lasts

Economic Hardship Deferment is available for up to three years. Borrowers who are approved for the program can take deferment for up to 36 consecutive months, as long as they continue to meet the eligibility requirements. All participants (except those in the Peace Corps) need to reapply each year.

While current borrowers are eligible for this type of deferment, changes are coming to the program. As part of President Trump’s “One Big Beautiful Bill,” federal student loans taken out on or after July 1, 2027, will no longer be eligible for Economic Hardship Deferment.

How Interest Accrues During Deferment

The way interest is handled during deferment depends on the types of federal student loans a borrower has — subsidized or unsubsidized. For subsidized student loans, the government pays the interest on the loans during deferment. With unsubsidized student loans, however, interest will continue to accrue on the loan. If the borrower doesn’t pay the interest during deferment, the interest will capitalize and be added to the principal balance of the loan at the end of the deferment.

Not only will they then have a new, larger balance to pay off on their unsubsidized loans, but any future interest payments will be calculated on top of the new, higher balance — meaning they will be paying interest on interest. This means that the total amount paid over the life of the loan will be higher.

Which Loans Qualify for Economic Hardship Deferment?

Many federal loans qualify for Economic Hardship Deferment, including Direct Loans, Federal Family Education Loans (FFEL), Stafford Loans, and Perkins Loans. As noted previously, any loans borrowed on or after July 1, 2027 will no longer be eligible for Economic Hardship Deferment.

Private student loans do not qualify for Economic Hardship Deferment. Some private lenders may offer their own hardship programs with their own specific qualifications and application process. If you have private student loans and you’re experiencing financial difficulty, ask your lender if they have a hardship program.

Eligibility Differences Between Subsidized and Unsubsidized Loans

The eligibility criteria for an economic hardship deferment is the same whether your federal loans are subsidized or unsubsidized. The difference lies in the way the interest is handled on these loans during deferment.

As mentioned above, the government pays the interest on subsidized student loans during deferment. But for unsubsidized student loans, interest will continue to accrue on the loans during deferment. If the borrower doesn’t pay the interest over that time, the interest will capitalize and be added to the principal balance of the loan at the end of the deferment period.

Recommended: Student Loan Consolidation vs. Refinance

Who Qualifies for Economic Hardship Deferment?

You may qualify for Economic Hardship Deferment if you meet one of the following requirements:

•   You receive payments from a federal or state economic assistance program such as Supplemental Nutrition Assistance Program (SNAP), Supplemental Security Income (SSI), or Temporary Assistance for Needy Families (TANF)

•   You serve in the Peace Corps

•   You are working full-time and your gross monthly income is less than or equal to the federal minimum wage, which is currently $7.25 an hour, or 150% of the poverty guideline for your state and family size — whichever is greater.

Income Thresholds and Other Qualification Criteria

Here’s how to know if you meet the income guideline for Economic Hardship Deferment. First, determine your family size. This includes you, your spouse, any children who receive more than half of their support from you, any unborn children who will be born during the deferment period, and anyone else living with you for whom you provide at least half of their support.

Next, using the chart below, find your family size and then compare your gross monthly income with 150% of the poverty guideline in your state to see if you qualify.

150% of the Poverty Guideline for 2025 — Monthly Basis

Number of people in family	48 contiguous U.S. states and D.C.	Alaska	Hawaii
1	$1,956.25	$2,443.75	$2,248.75
2	$2,643.75	$3,303.75	$3,040.00
3	$3,331.25	$4,163.75	$3,831.25
4	$4,018.75	$5,023.75	$4,622.50
5	$4,706.25	$5,883.75	$5,413.75
6	$5,393.75	$6,743.75	$6,205.00
7	$6,081.25	$7,603.75	$6,996.25
8	$6,768.75	$8,463.75	$7,787.50
Amount to add for each additional person in family	$687.50	$860.00	$791.25

Documentation Needed to Apply

To apply for Economic Hardship Deferment, borrowers must fill out and submit an Economic Hardship Request Form to their loan servicer. On the form, you will need to provide personal information including your address, phone number, email address, and Social Security number. You will also need to indicate the type of federal loan you are requesting Economic Hardship Deferment for.

In addition, you will need to supply documents proving your eligibility for the program. This includes:

•  Proof of your monthly income, such as a pay stub or your most recent federal income tax return

•  Documentation of any previous Economic Hardship Deferment you may have had

•  Documentation of payments to you from a federal or state public assistance program (such as SNAP or TANF), if applicable

•  Documents certifying your period of service as a Peace Corps volunteer, if applicable.

Pros and Cons of Economic Hardship Deferment

Temporarily pausing student loan payments through Economic Hardship Deferment has a number of advantages and drawbacks. Those considering deferment should carefully weigh the pros and cons.

Pros

•  For borrowers in financial distress, a temporary reprieve from student loan payments may help allow them to get back on their feet financially and prevent them from potentially defaulting on their student loans.

•  There is no accrual of interest for subsidized student loans during deferment.

•  Deferment is available for up to three years (most borrowers must reapply each year).

Cons

•  Interest accrues on unsubsidized loans. If a borrower does not pay the interest on these loans during deferment, the interest capitalizes and is added to the principal loan balance, which typically costs the borrower more money over time.

•  Not all loans qualify for deferment, including private student loans.

•  If a borrower is pursuing student loan forgiveness, a period of deferment may not count toward their forgiveness requirements.

Alternatives to Economic Hardship Deferment

For borrowers struggling to pay their student loans, deferment is not the only option. Some alternative methods to consider include:

Forbearance

Forbearance allows a borrower to temporarily stop or reduce their monthly student loan payments. The main difference between student loan deferment vs. forbearance is that with forbearance, interest accrues on all types of loans, whether they are subsidized or unsubsidized. However, the interest is not capitalized on most types of loans when forbearance ends. Periods of forbearance generally do not exceed 12 months.

Income Driven Repayment Plans

There are currently three income-driven repayment (IDR) plans — Pay As You Earn (PAYE), Income-Based Repayment (IBR), and Income-Contingent Repayment (ICR). These plans base a borrower’s monthly payments on their discretionary income and family size.

IDR plans also stretch the repayment timeline to 20 or 25 years. If you’re on the IBR plan and you have any remaining debt after that time, you are eligible for student loan forgiveness.

Under Trump’s “One Big Beautiful Bill,” the PAYE and ICR plans will be closed to new borrowers as of July 1, 2027. And as of July 1, 2026, there will be just one plan open to new borrowers that is similar to the existing IDR plans — the Repayment Assistance Program (RAP).

RAP will base your payments on your adjusted gross income (AGI). Depending on your income, you’ll pay 1% to 10% of your AGI over a term of up to 30 years. If you still owe money after that, any remaining balance will be forgiven. Also, on RAP, the government will cover your unpaid interest from month to month.

Public Service Loan Forgiveness (PSLF) Program

Borrowers with federal Direct Loans who work in public service full-time for a qualifying not-for-profit or government agency, may be eligible for Public Service Loan Forgiveness. Borrowers pursuing PSLF must make their payments under the IBR plan; after 120 qualifying payments, they may be eligible to have their student loans forgiven through PSLF.

Student Loan Refinancing

Another option some borrowers may want to consider is student loan refinancing. With refinancing, a borrower replaces their current loans with one new loan from a private lender. Ideally, the new loan will have a lower interest rate, which could lower the borrower’s monthly payments and save them money over the life of the loan.

A student loan refinancing calculator can help borrowers see what they might save with refinancing.

It’s important to understand that if you refinance federal student loans with a private lender, you will lose access to federal benefits such as income-driven repayment, Economic Hardship Deferment, and Public Service Loan Forgiveness. If you think you may need these programs, refinancing may not be the right option for you.

The Takeaway

Federal student loan borrowers facing serious financial difficulties may qualify for Economic Hardship Deferment, which temporarily pauses their monthly payments for up to three years. For borrowers with subsidized loans, the government covers their interest during the deferment period.

Borrowers must apply for and be approved for Economic Hardship Deferment. Those who don’t qualify, or individuals who want to explore other options, might consider income-driven repayment plans, Public Service Loan Forgiveness, or student loan refinancing to help manage their payments.

Looking to lower your monthly student loan payment? Refinancing may be one way to do it — by extending your loan term, getting a lower interest rate than what you currently have, or both. (Please note that refinancing federal loans makes them ineligible for federal forgiveness and protections. Also, lengthening your loan term may mean paying more in interest over the life of the loan.) SoFi student loan refinancing offers flexible terms that fit your budget.

With SoFi, refinancing is fast, easy, and all online. We offer competitive fixed and variable rates.

FAQ

How do I apply for economic hardship deferment?

To apply for Economic Hardship Deferment for federal student loans, you must fill out and submit an Economic Hardship Deferment Request Form to your loan servicer. Along with the form, you will need to provide proof of their income, such as pay stubs. Additional documentation may be required, depending on your specific situation.

Does interest accrue during economic hardship deferment?

Interest accrues during economic hardship deferment only on unsubsidized federal student loans. If a borrower doesn’t pay the interest during the deferment period, it is capitalized and added to the principal balance of the loan when the deferment ends. Interest does not accrue on subsidized loans during deferment.

How long can economic hardship deferment last?

Economic Hardship Deferment can last for up to three years. However, borrowers must reapply for it yearly unless they are serving in the Peace Corps.

Can I qualify for deferment if I’m unemployed?

You may be eligible for an Unemployment Deferment for up to three years if you are unemployed and receive unemployment benefits, or you are looking for full-time employment and haven’t been able to find a job. To apply, you can fill out an Unemployment Deferment Request Form and submit it to your loan servicer.

What happens after economic hardship deferment ends?

After an economic hardship deferment ends, you are responsible for making your federal loan payments once again to avoid delinquency or default. If your loans were unsubsidized and you didn’t pay the interest during deferment, the interest will typically be capitalized and added to your principal loan balance, which will increase the amount you owe. Borrowers with certain types of loans, such as Perkins loans, may be eligible for a six-month grace period after deferment. But check with your loan servicer to be sure.

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Terms and conditions apply. SoFi Refinance Student Loans are private loans. When you refinance federal loans with a SoFi loan, YOU FORFEIT YOUR ELIGIBILITY FOR ALL FEDERAL LOAN BENEFITS, including all flexible federal repayment and forgiveness options that are or may become available to federal student loan borrowers including, but not limited to: Public Service Loan Forgiveness (PSLF), Income-Based Repayment, Income-Contingent Repayment, extended repayment plans, PAYE or SAVE. Lowest rates reserved for the most creditworthy borrowers. Learn more at SoFi.com/eligibility. SoFi Refinance Student Loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.

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