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College cost of attendance is an estimate of the total cost of attending college for one year. It includes the cost of one year of tuition, books, supplies, room and board, transportation, loan fees, and other personal expenses.

Here’s how to calculate the cost of attendance, why it matters, and how it can affect financing an education.

The Cost of Attendance for College

The cost of attendance (COA) for college is an estimate of the total cost of attending a college for one year. The expenses included in COA are outlined by federal law. As briefly mentioned, this estimate includes expenses such as the tuition and fees for one year of school, room and board, books and supplies, transportation costs, loan fees, and other personal expenses.

Cost of attendance is used to help colleges determine the amount of financial aid a student is eligible for, including grants, scholarships, and federal student loans.

The Difference Between Cost of Attendance and Tuition

Tuition covers the actual cost of academic instruction. COA, on the other hand, includes other expenses the student will likely incur in order to live. COA includes things like room and board, books and supplies, and transportation costs.

Schools are required to publish the COA on their website so the information is readily accessible to students. Schools also generally publish more than one COA. For example, state universities may list a COA for in-state vs. out-of-state students. Most colleges will provide multiple COAs based on different student scenarios, such as:

•   Part-time student

•   Full-time student

•   Off-campus living

•   On-campus living

•   Attending school with a dependent

The COA is an estimated average based on previous student spending and estimates, so your actual costs may be different than the COA.


💡 Quick Tip: You can fund your education with a low-rate, no-fee private student loan that covers all school-certified costs.

What Is the Average College Cost of Attendance?

Simply put, the cost of attendance is the estimated amount it will cost for a student to attend a school. If a school doesn’t run on a traditional fall/spring semester schedule, the COA may not be calculated to reflect a calendar year.

Think of COA as a rough budget for the year. It includes tuition and fees, along with expenses outside the classroom like food, transportation, and supplies.

According to The College Board, the average published cost for tuition and fees for the 2023-24 school year was $11,260 for students at public four-year institutions with in-state tuition and was $41,540 for students at private nonprofit four-year universities.

Recommended: What is the Average Cost of College Tuition?

What Does Cost of Attendance Include?

As mentioned, what’s included in a COA is defined by federal law. A college or university’s COA will include:

•   Tuition and fees: This includes additional expenses that could be required for a specific field of study, and fees associated with loans.

•   Books and supplies: This might sound like a silly line item, but students spend $1,240 on average on books and supplies, a College Board survey shows. (That may include the cost of a computer used for study.)

•   Transportation: This estimate includes how much it would cost to travel back and forth from school, and in some cases, can include the cost of keeping a car on campus (parking permits, etc).

•   Room and board: This estimates housing and food expenses. It will take into account if the student is living at home, on campus, or off campus.

•   Dining: Additionally, this line in the COA estimates how much a student may spend on dining, often using the campus meal plan as a guide.

•   Personal expenses: While the university doesn’t include this on its official bill, the school will estimate the cost of personal care, such as clothing, entertainment, and haircuts.

Cost of attendance can include more specifics based on a student’s need. The COA should reflect a student’s planned education, whether that be part time, full time, or even correspondence based. COA estimates come both directly from the school and from market research and data, meaning the trends change each year.

Recommended: Ways to Cut Costs on College Textbooks

Finding a School’s Cost of Attendance

Hunting down a university’s COA is an important first step in calculating the expenses around college and how to pay for it. Since legislation passed in 2011, it’s mandatory for U.S. two-year and four-year institutes to share the COA on their websites. However, that doesn’t mean it’s always easy to find.

One way to look for the COA online is to simply put “[NAME OF SCHOOL] + COST OF ATTENDANCE” into a search engine.

Or anyone can go the old-school route and call a college’s financial aid office to get the information over the phone.

A school will also include its cost of attendance on a student’s financial award letter.

College Cost Attendance List

The COA for colleges can vary quite dramatically depending on a school’s location, whether it is private or public, and other factors. Some programs may have additional fees and costs (like lab fees) which could increase the cost of attendance for certain majors or programs.

The following table provides an overview of the published COA for undergraduate students living on-campus at several schools around the country during the 2023-2024 school year (unless noted with an asterisk, in which case it is the 2022-2023 school year).

School	Type	Cost of Attendance
Cornell University (Ithaca, NY)	Private	$88,150
Dartmouth College (Hanover, NH)	Private	$87,793
Rice University (Houston, TX)	Private	$78,278
Vanderbilt (Nashville, TN)	Private	$84,412*
University of Chicago (Chicago, IL)	Private	$85,536*
California Institute of Technology (Pasadena, CA)	Private	$86,886
Gonzaga University (Spokane, WA)	Private	$74,249
University of California (Los Angeles)	Public	In-state: $38,517 Out-of-state: $71,091
University of North Carolina (Chapel Hill)	Public	In-state: $26,118 Out-of-state: $57,370
University of Massachusetts (Amherst)	Public	In-state: $35,765 Out-of-state: $57,701
University of Oregon (Eugene)	Public	In-state: $35,721 Out-of-state: $64,302
Oklahoma State University (Stillwater)	Public	In-state: $31,920 Out-of-state: $47,440
University of Alabama (Tuscaloosa)	Public	In-state: $32,054* Out-of-state: $53,364*
University of Michigan (Ann Arbor)	Public	In-state: $33,555* Out-of-state: $72,153*

*2022-2023 school year COA.

Can I Borrow More Than the Cost of Attendance?

It is generally not possible to borrow more than the cost of attendance for a school. Federal student loans are limited by law to the cost of attendance less than the amount of aid received. Often, private student loans have similar lending restrictions, though these are set by the lender.


💡 Quick Tip: It’s a good idea to understand the pros and cons of private student loans and federal student loans before committing to them.

Cost of Attendance and Net Price

Figuring out a school’s COA matters because it can help students figure out the net price they’ll pay for school. The net price is what a student will pay out of pocket to attend an institution. How does a student get from cost of attendance to net cost? Expected family contribution.

Expected family contribution is a number that a college or university uses to calculate a student’s expected amount of financial aid. The formula to calculate the expected family contribution is established by law and includes not only information provided on the Free Application for Federal Student Aid (FAFSA®), but also:

•   Taxed and untaxed income

•   Assets

•   Benefits (e.g. Social Security, unemployment compensation)

•   Family size

•   Number of family members expected to attend higher education that year

Expected family contribution is neither the final amount a family or individual is expected to pay nor the exact amount of federal aid a student will get. It’s simply a calculation or estimate to help arrive at net cost.

Once a school has a student’s expected family contribution, it can determine net cost through these steps:

•   The school looks at a student’s individual COA, taking into account if they’ll attend classes full or part time and whether or not they’ll live on campus.

•   With financial information in hand, the school subtracts a student’s expected family contribution from the COA. The difference is the student’s financial need.

•   That financial need can be filled by merit aid, such as scholarships or grants, in addition to loans and other financial aid.

After aid, the amount left is a student’s net price. This is what would be paid out of pocket. Depending on a student’s finances and aid, net cost can be fuzzy. The Consumer Financial Protection Bureau has a free net price calculator to make the formula easier. Net price calculators can also be found on many college financial aid sites. These calculators generally take the COA and subtract scholarships or merit aid a student is eligible for.

Having a rough idea of net cost through the help of COA and expected family contribution can help students compare aid packages across schools. For instance, one college’s COA may be higher than another, but based on how generous the aid is, the net price could be lower at the school with the more expensive COA.

How COA Affects Student Loans

A school’s COA will influence a financial aid package an individual receives. Once a student selects a college to attend, the school will let federal and private lenders know how large a loan is needed.

In addition, regardless of a school’s COA, there are annual lending limits for federal student loans. For example, federal student loans for undergraduate programs are limited to $5,500 for first year dependent students. No more than $3,500 of this amount may be in subsidized loans.

Recommended: How to Get a Student Loan

Making the Right Choices

Understanding a school’s COA can help cover your aspirations. It’s essential to know when crunching numbers to fund an education.

But even after merit and need-based aid are applied, there still might not be enough to account for all expenses.

Paying for College

Students often rely on a variety of financing options when paying for college. Often the first step for students is filling out the FAFSA, which is how students can apply for all forms of federal aid, including federal grants, scholarships, work-study, and federal student loans. There are a lot of options so it’s important to understand the difference between grants vs. scholarships vs. student loans from a private lender. Here are a few other options that can help students pay for college.

Private Student Loan

Private student loans from lenders are available once all federal aid has been exhausted. Interested applicants will need to file individual applications with private lenders. Interest rates and loan terms are generally determined by an applicant’s personal financial factors such as credit score and income. Consider shopping around at a few different lenders to find the best rate and terms for your personal situation.

Applicants without an extensive credit history or a relatively low credit score may find that adding a cosigner to their application can help them qualify for a loan or qualify for more competitive rates and terms.

Additionally, an important note when comparing private student loans vs. federal student loans is that federal loans offer borrower protections that private loans do not. For this reason, private loans are generally borrowed as a last-resort option.

For those interested in pursuing a graduate degree, there are student loans for graduate programs available, too.

Credit Card

Schools may allow students to pay for their tuition with a credit card. Most schools do charge a fee (often between 2% to 3%) for this convenience, which can offset any rewards you may be earning on your credit card. In addition, credit cards have fairly substantial interest rates. Therefore, paying for tuition with a credit card may not make the most financial sense.

On the other hand, when credit cards are used responsibly, they can be helpful tools to help students establish and build their credit history. Students could use credit cards to pay for books, food, gas, or other transportation costs. Be sure to pay attention to interest rates and pay off your credit card each month to avoid credit card debt.

Personal Savings

If you have been saving for college, using those funds to pay for tuition or other college costs can help you avoid borrowing for college. When you borrow student loans to pay for college, you’ll end up paying interest, which increases the total amount you spend over the life of the loan. By paying for some expenses with savings, you may be able to reduce the overall bill.

Grants

Generally, grants, which are often awarded based on financial need, do not need to be repaid. Grants are available from the federal government, individual schools, and even some nonprofit organizations.

Recommended: Grants for College — Find Free Money for College

Scholarships

Scholarships are another type of aid that doesn’t require repayment. Often awarded based on merit or other personal criteria (like gender, ethnicity, hobbies, or academic interest), scholarships are available from a variety of sources such as the school, state or local governments, corporations, or nonprofit organizations. Review your school’s financial aid website and conduct an online search to find scholarships you may be eligible for.

The Takeaway

Cost of attendance (COA) is an estimate that includes the cost of tuition, room and board, books, transportation, and food and meals. The requirements for COA are outlined by federal law and each school is required to publish its COA on their website so this information can be easily accessed.

Students won’t necessarily be required to pay the full COA — things like scholarships, grants, and other forms of financial aid can reduce the actual net price a student ends up paying. That’s why it’s important to compare not only the cost of each school, but the financial aid package each school offers.

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 does cost of attendance mean for college?

The cost of attendance (COA) is an estimate for the total cost of attending a college for a single year. The COA includes tuition, room and board, food and meals, books and supplies, transportation, and other miscellaneous personal costs. The items required for inclusion in the COA are outlined by federal law and each college or university is required to publish the details for the college’s COA on the school website.

What is the difference between cost of attendance and tuition?

A school’s tuition is the price for academic instruction. The cost of attendance includes the cost of tuition in addition to other expenses including room and board, books and supplies, transportation, and more.

How much does college cost per year?

The cost of college can vary based on many factors including your location, whether you attend a private or public university, if you receive in-state vs. out-of-state tuition, and the type of program you are enrolled in. According to The College Board, the average cost of attending a four-year nonprofit private institution was $41,540 during the 2023-24 school year. During the same time period, the average cost for tuition and fees at public four-year institutions with in-state tuition was $11,260.

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SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs. SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.

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.

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

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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Imagine this: After spending 12 long years of education, it’s finally time to head to college. But hang on, because there’s a catch — tuition is much higher than you thought, and the school didn’t offer an academic scholarship.

One alternative for students can be to find a non-academic scholarship and keep pushing toward that dream. Here are tips on finding non-academic scholarships to help pay for a college education.

What Is a Non-Academic Scholarship?

Scholarships are one type of financial aid available to students that don’t need to be repaid and are typically awarded based on merit — that is, being especially knowledgeable or skilled in one area. Grants, which also do not need to be repaid, are typically awarded based on need and not based on academic or athletic merit. For example, Pell Grants are federal grants awarded to undergraduate students who exhibit exceptional financial need.

Scholarships can be awarded for many different reasons, including academic achievement. However, just because someone isn’t an A+ student doesn’t mean they can’t qualify for a scholarship. There are non-academic scholarships that are based on athletic or artistic achievement, community involvement, extracurricular activities, and more. Students may just need to put in a bit of legwork to find ones they qualify for and apply.

Recommended: Finding Free Money for College

Where to Find Non-Academic Scholarships

Often, the first step in getting a scholarship is to find it. Here are a few places to start your search.

School Counselor’s Office

High school students can check in with their high school counselor to see about any non-academic scholarship they may know about. The office may have a list of options available to students, and, because they may know the student, their skills, and their future aspirations, they may be able to hone in on the right scholarship for them.

School counselors may also have helpful information on navigating the financial aid process. One piece of the funding puzzle may be undergraduate loans if scholarships don’t cover all of the costs. Students may consider private student loans after exhausting federal aid, including federal student loans. This comprehensive private student loan guide dives into more detail.

College Admissions Website

If a high school student has already been accepted to school, they may check in with the college’s admission website. There, they could find a list of potential scholarships offered directly by the school. Students should also reach out directly to the admissions office or future academic counselors for assistance.

As the school year nears, you may consider checking in with your college’s financial aid office to see if they can guide you to unclaimed scholarships.

Scholarship Listing Websites

There are several scholarship search tools out there that roundup available scholarships to students, including destinations like FastWeb or CollegeBoard. Here, students can sift through hundreds of available scholarships and find help with the application process, as well.

Professional Associations and Clubs

Another place to find scholarships includes professional associations and clubs, such as churches, your parent’s employers, local businesses, minority groups, and more.

A quick Google search on professional organizations in your chosen field of study can lead to scholarships, too. Most are free to join and include fields such as marketing, engineering, graphic arts, law, and more.

Friends and Family

Sure, it may not seem as obvious, but merely asking around for scholarship opportunities can’t hurt. Students should reach out to their network and let everyone know they are on the hunt for financial assistance. Someone may know of a specific scholarship that could be the perfect fit for the student.

Connect With the Community

Explore connections with local religious groups, business, and other organizations. Having an existing connection can potentially improve an applicant’s chances of securing a scholarship. Plus, students may face less competition when they apply for more local scholarships.


💡 Quick Tip: Fund your education with a low-rate, no-fee SoFi private student loan that covers all school-certified costs.

Types of Non-Academic Scholarships

Need a little help thinking about what type of non-academic scholarship may fit? Here are a few types of scholarship ideas to get students started.

Talents

Have a unique talent? There’s probably a scholarship available for it. For example, you can find scholarships for duck calling, dancing, drawing, and much more.

Athletics

Each year, there are more than 180,000 athletic scholarships awarded to students. Scholarships are available for a wide variety of sports to both men and women, including volleyball, tennis, swimming & diving, skiing, lacrosse, golf, fencing, and more.

Heritage

Students may also find non-academic scholarships based on their heritage. Students from minority groups may find additional opportunities, including scholarships for African American or Hispanic students.

Some scholarships may be available through churches, while others can be found on websites like College Board. There, students of various backgrounds can search for a suitable match.

Interests

Students can apply to non-academic scholarships based on their various interests, too. For example, those interested in cars can apply for the National Corvette Club scholarship. Those students that love to cook can apply for the AAC Culinary Scholarships for High School Seniors .

Know a student who spends their Sundays completing The New York Times crossword puzzle in pen? Have them apply to the Crossword Hobbyist Crossword Scholarship . No matter the interest, odds are there is a scholarship out there for it.

Area of Study

Future and current college students may be able to find a scholarship that suits their future area of study. Students hoping to become their own CEOs can apply for The National Association for the
Self-Employed ’s Future Entrepreneur Scholarships, which helps promote “entrepreneurial thinking among aspiring business students.”

Again, if there’s an area of study, odds are there’s a scholarship available for it.

Area Code

Students looking for a non-academic scholarship can search for regional scholarships on many online databases. SoFi runs a state-by-state grant and scholarship database, so you can take a look at what is available in your area.

Other sources for regional or location-based scholarships may include local nonprofits and businesses.

Other, Outlandish Options

There are scholarships available for less obvious reasons, too. One of the more famous wacky scholarships is the Stuck at the Prom Scholarship Contest sponsored by Duck brand duct tape. Each year, the company awards a $5,000 scholarship to a teen who designs and wears a dress or tuxedo made out of their duct tape.

How to Get a Non-Academic Scholarship

There are thousands of non-academic scholarships available each year. In order to get a non-academic scholarship, you should first look for scholarships in line with your talents and career interests. From there, you can look to local businesses, friends and family, and your community to find other non-academic scholarships.

And finally, do a Google search for non-academic scholarships you think you may qualify for. There are scholarships available for almost every type of person and every interest, including scholarships for minorities, scholarships for people who dance, religious scholarships, first-generation scholarships, and more.

Tips for Finding & Applying for Non-Academic Scholarships

If you’re hoping to find and apply for non-academic scholarships to help pay for college, there are a few things you can do to increase your chances of getting one.

Start Early

Starting your search early is one of the best things you can do to land a scholarship. Since many scholarships come from the school you’re attending, it’s recommended to fill out the FAFSAⓇ as soon as possible. Some grants and scholarships offered by schools are on a first-come, first-served basis.

It’s also a good idea to start your search early so you can make sure you can meet all the deadlines for the scholarships you hope to apply for. Many will require essays, and the sooner you know which scholarships you want to apply for, the sooner you can get your essays completed and submitted.

Read the Fine Print

Make sure to read the fine print of all scholarship applications. This will ensure you won’t miss any deadlines or important information regarding the scholarship.

Showcase Your Personality

When applying for scholarships and writing essays, it’s important to showcase your personality through your written word. Most non-academic scholarships are fun, so feel free to express yourself and make it so your application stands out from the rest.

Proofread Your Application

Proofreading your application is a great way to catch any grammar errors or application mistakes prior to submission. If it comes down to you and one other candidate, you don’t want to miss out because of easy grammatical errors you could have caught by simply proofreading your application beforehand.

Don’t Give Up

And finally, keep searching and applying for scholarships until you receive the amount of money you’re hoping for. Scholarships can be competitive, so don’t get down on yourself if you’re struggling to get one. Instead, keep the momentum going by continually searching and applying for new opportunities as they arise.

The Takeaway

Non-academic scholarships can be awarded based on talent, skill, interest, and more. Some scholarships may even be regional or location based. To find non-academic scholarships, consult with your guidance counselor, your college’s financial aid office, local business and nonprofits, and online scholarship databases.

If scholarships and federal financial aid aren’t enough to cover college costs, private student loans can help fill in the gaps.

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.

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SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs. SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.

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.

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

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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College comes with a lot of expenses. On top of tuition, fees, books, and housing, you might also want to occasionally go out and have fun. Maybe you want to go shopping, see a movie, or meet friends for lunch or dinner. That’s not always easy on a student budget. Fortunately, there are widely available deals and discounts designed just for college students. Here’s where you can find them.

Major Retailers

1. Amazon

Amazon Prime Student gives you six free months of Amazon Prime, and after that it’s $7.49 per month (about half regular price). Plus, you’ll receive perks like free food delivery, 10% off flights and hotels, and one month free of homework help. You can cancel at any time.

2. Sam’s Club

Sam’s Club offers special membership pricing to college students through UNiDAYS , a site that verifies student status and offers exclusive student deals (sign-up is free). Once you register with UNiDAYS, you can get $40 off a Sam’s Club Plus Membership or 30% off a Club Membership. You’ll also qualify to get a $45 eGift Card when you spend $45.

3. Target

Target Circle’s College Student Appreciation program offers exclusive perks and discounts to students, which could come in handy when you’re shopping for your dorm room. To access deals, like 15% off your purchase, you need to join Target Circle for free, verify your student status (by uploading a student ID, class schedule, or tuition receipt), then check back later for offers.

4. Costco

A Costco membership can also help make college more affordable. College students who join Costco as a new Gold Star Member through UNiDAYS can receive a $30 Digital Costco Shop Card.


💡 Quick Tip: Some lenders help you pay down your student loans sooner with reward points you earn along the way.

Technology

5. Apple

Keep this in mind when you’re preparing for college: Apple offers special pricing for current and recently accepted college students (along with their parents). For example, you can get a 13” macbook air with the M2 chip for $999 (normally $1099) or an iPad air for $549 (normally $599).

6. Microsoft

Students (as well as parents and teachers) can save up to 10% off eligible computers and accessories with Microsoft’s student discount . You also get Office 365 and access to Teams for free.

7. Dell

Dell offers exclusive discounts on laptops, monitors, and accessories to students with a valid academic email address (such as one ending in .edu). Savings vary depending on the product, but currently you can save $300.00 (20%) on an XPS 15 Laptop.

8. Lenovo

College students get an extra 5% off their tech purchases at Lenovo . Incoming students can also access the deal by providing a letter of acceptance. You simply need to verify your student status through ID.me during checkout.

9. Adobe

Adobe Creative Cloud for Students allows you to get an All Apps plan for $19.99 a month for the first year, and $29.99 per month after that (it’s normally $54.99 per month). To get the deal, you need to provide a school-issued email address during purchase so you can be instantly verified.

Clothes

10. Aeropostale

Students can benefit from an extra 15% off at Aeropostale . To take advantage of the deal, you’ll simply need to register and verify your student status with UNiDAYS.

11. J.Crew

J.Crew gives students (and teachers) 15% off purchases when they present a valid college ID at checkout. The discount can be used up to four times a month.

12. Hanes

Need some basics, like tees or undergarments? Hanes offers students 10% off online purchases. To score your discount, you need to verify your student status through ID.me and get a promo code.

13. The North Face

The North Face gives students a 10% discount code to use at full-price locations (not factory stores), as well as online. You can redeem one code every 30 days.

14. Tommy Hilfiger

Tommy Hilfiger offers students 15% off online or in-store. First, you have to create or log in to your ID.me account.

15. Levi’s

Levi’s offers students 15% off online purchases after you verify your student status on the site.

16. Club Monaco

Students who are Club Monaco fans can get 15% off online and in-store. Simply register for an account with your .edu email address and a 15% off discount will automatically apply to your cart. If you’re shopping in-store, just present a valid student ID at the register.

17. Docker’s

Docker’s offers students a generous 25% off all purchases made online. You simply need to verify your student status through the site.

18. Outdoor Voices

Students shopping at Outdoor Voices can score 20% off through Student Beans (a site similar to UniDAYS that helps verify student status and offers discounts to partner stores). Once you register with Student Beans (which is free), you’ll get a discount code that you can use at checkout.

19. Champion

Champion offers 10% off to actively enrolled students. You simply need to verify your student status through ID.me to get the discount code.

Restaurants

20. McDonald’s

Right now, you can get a free Cheeseburger, Mayo Chicken, or McFlurry® Original when you buy any Extra Value or Wrap Meal and show your valid student or Student Beans ID.

21. Chick-fil-A

Student discounts vary by location, but many Chick-fil-As offer students a free drink with any purchase.

22. Dunkin’

Dunkin’ offers a 10% off student discount at participating locations. To claim the deal, simply show your student ID to your cashier.

23. Arby’s

You can save 10% on your Arby’s meal when you show your student ID at participating locations.

24. Buffalo Wild Wings

Want to catch the game and eat some wings with friends? Students can score 10% off at many Buffalo Wild Wings locations.

25. Waffle House

Looking for a late-night meal? Students can enjoy a 10% discount at participating Waffle Houses.

26. IHOP

If you don’t have a Waffle House nearby, many IHOP locations also offer 10% off for students.

27. Qdoba

Qdoba has two discount options for students at most locations: either a free drink with your purchase or a burrito meal for just $5.

28. Taco Bell

Craving a Crunchwrap Supreme? You can get a 10% student discount at participating Taco Bells.

Recommended: A Guide to Making Friends in College

Travel & Transportation

29. Greyhound

Through Student Advantage , Greyhound offers 10% off any fare. The Student Advantage card costs $30 a year and offers students — and parents — a wide range of discounts.

30. Amtrak

Students between the ages of 17 and 24 can travel by Amtrak train for 15% off when booking at least one day in advance.

31. United Airlines

United Airlines offers a 5% flight discount to any travelers who are 18 to 23 years old. To get the deal, you need to book through the United app.

32. Hotels.com

Through UNiDAYS, you can snag steep discounts at hotels.com , such as 35% Off last-minute hotel bookings and up to 40% off the site’s Weekend Getaway Deals.

33. FlixBus

You can get 15% off Flixbus tickets with Student Beans. Simply use your FlixBus student discount code at checkout.

34. Hertz

Hertz offers students 21 and older who have had a driver’s license for at least one year, 15% off cars and 20% off vans.

35. Budget Truck Rentals

Budget Truck Rentals offers students 20% off local moves and 15% off one-way moves any day of the week. Use the discount code TRUKU.

36. Penske

Penske offers college students a 10% discount on all truck rentals and unlimited miles on one-way moving truck rentals. Simply use the discount code STUDENT at checkout. You’ll need to provide a college ID or proof of enrollment status at pickup to receive the discount.

37. Red Coach

RedCoach offers high school, college, and graduate students up to 10% off tickets. To get the discount, check the student option at checkout then show your student ID card to the driver along with your ticket.

Recommended: College Move-In Day Tips for Parents

Entertainment

38. AMC

Students get a lower ticket price at select AMC theaters every day. Just bring your photo student ID (and maybe some extra money for popcorn).

39. Cinemark

Student discounts at Cinemark vary by location and time of day, so check with the local box office to see what kind of deal you can snag.

40. Apple Streaming

Apple’s Student Music plan is $5.99 per month for up to 48 months (normally $10.99 per month). You also get Apple TV+ (usually $6.99) free.

41. Hulu

Hulu offers students its ad-supported plan for just $1.99 a month (a 75% discount). If you’re interested in a bundle, check out the deal below.

42. Spotify Bundle

As a student, you can get Spotify Premium and Hulu (with ads) for just $4.99 per month. Spotify Premium normally costs $9.99 per month and Hulu (with ads) is $7.99 a month, so you can snag a monthly savings of $12.99 for as long as you’re going to college.

43. The Washington Post

The Washington Post has a digital all-access student subscription plan for just $1 every four weeks.

44. Paramount+

As a student, you can get a Paramount+ Essential monthly plan for just $4.50 per month (25% off). You can cancel anytime.

45. YouTube Premium

YouTube Premium (which allows you to enjoy YouTube and YouTube Music ad⁠-⁠free) is available to students at a discounted rate of $7.99 a month, after a free one-month trial. You can cancel at any time.

46. The Economist

The Economist offers students an annual digital subscription for a steep 75% off. You can get the Economist Espresso for $19.75 a year, or the Economist Digital for $52.25.

💡 Quick Tip: Need a private student loan to cover your school bills? Because approval for a private student loan is based on creditworthiness, a cosigner may help a student get loan approval and a lower rate.

Home Goods

47. Ghost Bed

As a student or teacher, you can get 50% off your entire order at GhostBed . To take advantage of the deal, just click on the ID.me button and then “Student ID” to sign up and get verified.

48. Mattress Firm

After verifying your student status through ID.me, Mattress Firm will give you a single-use coupon code that can be used in-store or online. You get an extra 20% off select purchases or an extra 10% off Purple with the code.

49. Purple

You can also get a 10% discount directly from Purple . Once you verify your eligibility, you’ll be emailed a coupon for 10% off your order.

50. Helix

You can get a discount code for 15% off a mattress at Helix through UNiDAYS.

51. Puffy

Puffy offers a generous student and educator discount — $1,425 off any Puffy mattress.

52. Brooklyn Bedding

Brooklyn Bedding offers a 30% discount and free shipping to students. You simply need to verify your eligibility through ID.me.

The Takeaway

Student discounts can help you save on everything from food and clothing to electronics and entertainment. Even with these deals, however, you may still need help covering your college expenses.

If you completed the FAFSA and didn’t get enough financial aid to pay all of your school bills, keep in mind that you may be able to get a private student loan to help fill in any gaps. Unlike federal student loans, which have strict application deadlines, you can apply for private student loans at any time — including mid-semester.

Private student loans also allow you to borrow up to 100% of the school-certified cost of attendance. Just keep in mind that private student loans don’t offer the borrower protections — like income-driven repayment plans and deferment or forbearance — that come with federal student loans.

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

How many times can you use a student discount?

It depends on the company. Some retailers and restaurants allow you to use your student discount once per visit or purchase; others limit you to a certain number of times per month or year.

How much is the average student discount?

Student deals typically give you 10% to 15% off, though you may find some discounts for 50% off or even higher. In some cases, a student discount may come with restrictions, such as only being able to use it on full-price merchandise. So it’s always a good idea to compare your student discount to any other available deals and sales.

Do student discounts only apply to college students?

Typically, student discounts only apply to college and graduate students. In some cases, high school students can get deals if they have an email that ends in .edu. The colleges and programs that retailers recognize can vary, but you can expect most major colleges and universities to be eligible.

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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.

SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs. SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.

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.

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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When you start paying for your own food in college, one of the biggest shocks is just how expensive it can be — especially these days, thanks to high inflation. But what if you could save money in college without settling for boring boxed mac and cheese? While it can be a challenge to keep up the same standard of living as when you were living at home, you don’t have to completely alter your lifestyle. What follows are some essential shopping and dining hacks that will help you eat well during your student years without breaking the bank.

How Much Do College Students Spend on Food?

When you consider how much college students spend on food these days, it’s easy to see why you may be chronically short on cash. The average cost of food per month for a college student is $670, according to the Education Data Initiative. To break that number down further: Students spend, on average, $410 a month eating off-campus and $260 a month on meals cooked at home.

Of course, how much a student spends on food in college will depend on where they go to school (prices are higher in New York City than Florence, Alabama, for example), and how much they eat out versus cook at home. You might spend significantly more than the average, or you may be able to get away with spending a lot less.


💡 Quick Tip: You can fund your education with a low-rate, no-fee private student loan that covers all school-certified costs.

11 Ways to Save Money on Food in College

Despite rising food costs, there are ways to cut your food bill and still eat well. What follows are 11 tips for how to save money on food in college.

1. Plan Out Your Meals

Living on a budget and saving money in college comes down to good planning. Once a week (maybe Sunday morning), sit down and decide what meals you’ll eat during the week. There are a lot of meal-prepping and budget recipe blogs online that can give you ideas. Once you know exactly what you’ll be cooking, you can come up with a detailed grocery list of everything you’ll need. As long as you don’t stray from the list, and you won’t end up exceeding your college student grocery budget.

Of course, things may come up at the last minute, but do your best to work your way through the meal plan.

2. Create a Food Budget

Learning how to budget in college is a critical part of having an independent and successful college experience. Here’s how to come up with a college student grocery budget:

•   Add up your total monthly income. Include any money coming in from a part-time job, parental support, loans, and other financial aid.

•   Subtract your essential living expenses. For example, this might include housing, utilities, internet, transportation (such as gas, train tickets and bus fares), and insurance (such as health, rental and auto).

•   Decide on a maximum college student food budget. Based on your findings, decide how much you can realistically spend on food each week, including groceries and eating out.

•   Track your food spending. To make sure your food spending stays within budget, you might start tracking your food spending with an app on your phone. Some budgeting apps, like YNAB (You Need A Budget) are free for college students; others, like Goodbudget, EveryDollar, and PocketGuard, offer a free basic plan.

3. Set a Limit on Dining Out

Eating out is the biggest monthly food expense for college students without a campus meal plan, running around $102 per week, according to the Education Data Initiative.

Even grabbing coffee on (or off) campus every morning can add up — just one Starubcks tall drip coffee ($1.85) a day costs $462.50 a year. If you brew your own ($0.62 per cup; $155.00 per year), you can save $307.50.

That doesn’t mean you can never go out for meals and treats. You might choose to eat out with friends on Saturday nights, for example, or grab a special coffee drink on Sunday mornings.

Recommended: 10 Money Management Tips for College Students

4. Start Couponing

It may sound old school but using coupons can help you spend significantly less on groceries in college. You might start by signing up for your favorite store’s loyalty program. This will give you access to digital, store-sponsored deals. Then stack up more deals by clipping coupons from the weekly circular in the mail, and saving them for your next grocery run. Before you hit the store, go online: You can often find good coupons at sites like Coupons.com, Redplum.com, TheKrazyKouponLady.com, and SmartSource.com. It’s also worth checking manufacturer’s websites for offers on items you buy regularly.

5. Buy Generic or Store Brands

Reaching for a popular brand of food generally means spending more money. To grocery shop on a budget, consider going with the item’s generic or store brand counterpart. Consider: At Target, a 20-ounce bottle of Heinz ketchup runs $5.49, while the store brand equivalent is $1.59. While shaving a few dollars off your bill may not seem like much, saving a few extra bucks on 20 items can add up.

Also keep in mind that many generic products are manufactured in the same factories as your favorite name-brand products. Some generic products are, in fact, exactly the same as name-brands but with a lower price tag.

6. Buy in Bulk

Some foods cost significantly less when purchased in larger quantities. And you can take advantage of bulk pricing even if you are shopping for one — just freeze what you don’t need. For example, if you see a two-for-one deal on bread, cheese, or meat, take advantage of the savings and freeze the extra item. You can also cash in on bulk savings for items that last longer, such as cereals, oatmeal, rice, and pasta. This tip for saving money on food can also lead to fewer trips to the store, saving transportation costs (and time).

7. Learn How to Cook Healthy, Budget-Friendly Meals

Buying a box of ramen for a couple of bucks may seem like the cheapest meal for college students, but it could end up costing you in the end. It doesn’t have much nutritional value and likely won’t fill you up, so you may end up eating more. A better strategy: Learn how to cook a few simple, healthy meals that focus on veggies and whole grains and make (costlier) lean meat the “side.”

You can also lower your grocery bill by buying in-season (or frozen) produce, and adding meatless Monday to your calendar. Cheaper protein substitutes include beans, tofu, and lentils.

8. Download Apps That Offer Cash Back on Groceries

When you’re searching for ways to save money on food in college, don’t forget about all the rebate apps out there. While these apps don’t give you a discount up front (like a traditional coupon), they offer cash back for buying groceries, which can add up to a significant sum over time. You can typically register with these services for free. Depending on the app, you may need to link a loyalty card or submit receipts to receive a rebate. Some to check out:

•   Ibotta

•   Receipt Hog

•   Checkout 51

•   Fetch Rewards

•   Rakuten

Recommended: What Are Cash-Back Rewards and How Do They Work?

9. Consider Buying a College Meal Plan

Generally, students will save money by declining the meal plan and making most of their meals at home. However, that’s not the case for everyone. Off-campus dining can add up quickly. So if you tend to eat out a lot and don’t enjoy cooking, a campus meal plan could potentially be a better deal. You might opt for the lowest plan (such as seven meals per week) and then use your swipe for the most expensive meal of the day.

Another dining hall hack that can help you save on food: Bring a plastic container with you and pack up your leftovers and unused napkins that you already took (you paid for it and it will only end up in the garage.)


💡 Quick Tip: Need a private student loan to cover your school bills? Because approval for a private student loan is based on creditworthiness, a cosigner may help a student get loan approval and a lower rate.

10. Find Free Food

While it’s not something you can rely on every day, you’d be surprised at how much free food is available on campus. School groups, clubs, and organizations will often offer free food to students as a way to draw a larger crowd to their public events. Browse community boards, event flyers, and your school’s newspaper or website to learn about special events offering free food. This is one of the easiest ways to save money on food in college.

Recommended: How to Get Involved on Campus in College

11. Maximize Your Leftovers

It’s not always easy, or cost-effective, to cook for one, so you may want to cook more than you need. This means leftovers, which can help you save money on meals later in the week. While it may sound boring, you can get creative with leftovers. Making chicken one night? Shred the leftovers, add some salsa and toss it on a tortilla for lunch the next day. Or, mix it up with a little mayo for chicken salad. Leftover veggies, rice, quinoa, beans, meat, and/or seeds can all come together for a tasty Buddha bowl.

Just keep in mind that leftovers can typically be kept for three to four days in the refrigerator, according to the Mayo Clinic. After that, the risk of food poisoning goes up. If you don’t think you’ll finish leftovers within four days, freeze them right away.

The Takeaway

Food is expensive but that doesn’t mean you can’t eat well on a student budget. The key is to plan ahead; get comfortable with a few low-cost, healthy (and easy) recipes; maximize leftovers; and minimize eating out.

Also keep in mind that student loans, both federal or private, can be used to cover not just the cost of tuition and fees but also living expenses, and that includes groceries and food. If an expense is essential to your educational success — meaning it supports your basic daily needs or attendance at school — it’s likely a permissible use of student loan funds.

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

Is it cheaper to buy your own food in college?

It’s generally cheaper to buy groceries and cook at home than to sign up for the college meal plan. However, that’s not necessarily true for every student. Off-campus dining can add up quickly. So if you tend to eat out a lot and don’t like to cook, a campus meal plan could potentially cost less than buying your own food.

How much should a college student spend on groceries a month?

It depends on your budget and the cost of food in your area. On average, college students spend $670 on food per month. That includes eating off-campus ($410) and meals cooked at home ($260).

What percent of college students eat out?

College students spend, on average, $102 a week eating off-campus, according to the Education Data Initiative. They tend to eat a little over 20% of their meals out.

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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.

SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs. SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.

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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If you’re a borrower who paid interest on a qualified student loan, it’s possible to deduct some or all of that interest on your federal income tax return with a special tax form for student loans.

To do so, you’ll need to acquire a student loan tax form commonly known as IRS Form 1098-E. You can use this form to report how much you paid in student loan interest. One copy will go to the IRS, and you’ll keep the other.

To learn how to get your hands on your student loan tax form, when to deduct student loan interest and how to file a student tax form, keep reading.

What Are the Tax Forms for Student Loans?

The IRS Form 1098-E is a tax form for student loans that’s sent out by your loan servicer, or the company that collects your student loan payments. Sometimes, your lender services their own loans. Other times, they hire an outside service to collect their payments for them.

The loan servicer is required to send borrowers a 1098-E to complete their taxes if the borrower owes at least $600 in student loan interest. Typically, they’ll get them out by the end of January, since the interest forms for student loans and tax season coincide.

If you have more than one loan servicer, you’ll receive a 1098-E form from each.

The Purpose of a Student Tax Form

The student loan tax form is designed to give people with student loan debt the opportunity to deduct some or potentially all of the interest the debt accrues on their federal income tax return.

If you paid at least $600 in interest on a qualified student loan, the lender you paid that interest to should send you a 1098-E. Regardless of how many student loans you have, the $600 threshold still applies.

Recommended: What is the Average Student Loan Debt After College?

Uses of a Student Loan Tax Form

The student loan tax form is used to calculate your student tax interest deduction on your tax return.

As long as you meet certain conditions, you may be eligible to deduct up to $2,500 in student loan interest from your taxable income:

•   You are filing separately and/or not married

•   Your income is below the annual limit

•   You are legally obligated to pay the interest, not someone else

•   If you’re filing a joint return, neither you nor your spouse is being claimed as a dependent on another person’s tax return

The eligibility for the student loan interest deduction is determined based on a borrower’s modified adjusted gross income (MAGI), or their adjusted gross income (AGI) after factoring in any tax penalties incurred and allowable deductions. At a certain higher income bracket, the deduction is reduced or eliminated.

•   For taxpayers filing as single: The deduction is reduced once they have $75,000 of modified AGI and it’s eliminated at $90,000.

•   For taxpayers filing jointly: The deduction is reduced at $150,000 of modified AGI and it’s eliminated at $180,000.

Getting Your Student Tax Form

To obtain your college student tax form and ensure you aren’t missing any tax documents this season, there are a few steps you can take:

1.    Go directly to your loan servicer ’s website, where a downloadable 1098-E form will likely be available.

2.    Contact your loan servicer via telephone if you’re unable to visit their website.

3.    If you don’t know who your loan servicer is, visit StudentAid.gov or call the Federal Student Aid Information Center at 1-800-4-FED-AID, then complete steps 1 and 2.

Finally, note that student tuition tax form 1098-E is not available for download through the Federal Student Aid website .

There are plenty of useful tools on the site to get you where you need to go, but, ultimately, you can’t download your student loan tax form directly from the website.

If you have private student loans, contact your lender directly.

Recommended: What Is IRS Form 1098?

Filling Out a Student Loan Interest Tax Form

When it comes to filling out a college student loan tax form, the IRS provides detailed instructions for the 2023 tax season to help financial, educational, and governmental institutions and borrowers cover all their bases.

At the most basic level, according to the IRS , if a loan servicer receives student loan interest of $600 or more from an individual during the year in the course of their trade or business, they must:

•   File a 1098-E form and;

•   Provide a statement or acceptable substitute, on paper or electronically, to the borrower

There are two boxes on the 1098-E form:

•   Box 1 is the amount of student loan interest received by the lender. It’s important to note, this figure represents interest paid, not loan payments made.

•   Box 2, if checked, denotes the fact that the amount in Box 1 does not include loan origination fees and/or capitalized interest for loans made before September 1, 2004.

Once you receive the 1098-E form, it’s up to you to include it when you file your taxes.

When to Deduct Student Loan Interest?

Student loan interest tax deduction is a type of federal income tax deduction that lets student loan borrowers deduct up to $2,500 of the interest paid on qualified student loans from their taxable income. It’s one of many tax breaks available to students and their parents to help them pay for college.

To know when to deduct student loan interest, it’s important to know if you meet the necessary qualifications:

•   Your student loan was taken out for the taxpayer (you), your spouse, or your dependent(s).

•   Your student loan was taken out when you were enrolled at least half-time in an academic program that led to a degree, certificate, or recognized credential.

•   Your student loan was used for qualifying education expenses such as tuition, textbooks, supplies, fees, or equipment (not including room and board, insurance, or transportation).

•   Your student loan was used within a “reasonable period of time,” and its proceeds were disbursed 90 days before the beginning of the academic period in which they were used or 90 days after it ended.

•   The college or school where you were enrolled is considered an eligible institution that participates in student aid programs managed by the U.S. Department of Education.

Do International Students Have a Different Tax Form?

For international students, it’s possible to deduct student loan interest from a foreign country, as long as their student loan is qualified (meeting the requirements listed above) and they’re legally obligated to make student loan payments on that loan.

There’s no need for international students to acquire a special international student tax form, however. The year-end financial statement from their loan servicer is typically sufficient enough proof for them to claim the student loan interest.

The Takeaway

If you paid interest on a qualified student loan for yourself or a dependent, you can likely deduct that interest on this year’s tax return. Once you’ve determined when and whether you’re able to deduct student loan interest and how to file a student loan interest form, you can simply wait for your loan servicer to send along a copy of your 1098-E or visit their website.

When you work with a private student loan lender like SoFi, you can access your 1098-E online, making it even easier to file your taxes and deduct student loan interest without waiting by your mailbox.

Photo credit: iStock/FG Trade

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SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs. SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.

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.

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

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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