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Whether you have private or federal student loans, defaulting on your debt can eventually lead to wage garnishment. For federal loans, the government can garnish your wages without a court order. For private loans, the lender must first sue you and obtain a court judgment before they can legally garnish your wages. Private lenders are also more limited in the types of income they can garnish compared to federal loans.

Below, we break down how private student loan wage garnishment works, what your rights are, and what you can do to avoid it.

What Is Wage Garnishment?

Wage garnishment is a debt collection method that legally requires your employer to hold back a set amount of your paycheck each payroll period. The withheld funds are then directed to the creditor to satisfy the past due debt.

With private student loans, the lender must take you to court and prove the debt is valid to get a judgment. Once a judgment is granted, the lender can request a court order for wage garnishment. This is a court-issued document that officially authorizes your employer to garnish your wages. The maximum that can be withheld for private student loan garnishment is 25% of your disposable (after tax) income.

Other Debt Collection Methods

Before wage garnishment comes into play, private student loan lenders typically try several other collection methods. Garnishment is usually their last resort, since it involves time, legal costs, and court proceedings.

Some common collection tactics include:

•   Phone calls and letters: Private lenders will often contact you via calls and letters to arrange payment and seek to recover the past-due amount.

•   Collection agencies: If your lender cannot collect, they may sell or assign the debt to a collection agency, which will likely then pursue repayment aggressively.

•   Settlement offers: Sometimes, lenders or collection agencies will propose a reduced lump sum payment to close out the debt if you are willing to pay upfront.

•   Legal action: As a last step, leaders may file a lawsuit to obtain a judgment that allows them to pursue collections actions such as wage garnishment or seizing assets.

Private Loan vs. Federal Loan Garnishment

Both private and federal student loans can lead to wage garnishment after default, but the processes for doing so are different.

With federal student loans, the government can garnish wages without going to court. Once you’re in default (typically after 270 days of missed payments), the Education Department can order your employer to withhold up to 15% of your disposable income to collect your defaulted debt. Federal agencies can also withhold tax refunds or Social Security benefits to collect what’s owed.

Private student loans work differently because they’re issued by banks or private lenders, not the government. These lenders must sue you and get permission from a court to garnish your wages. A private lender can garnish up to 25% of your weekly disposable income, depending on how much you earn and where you live. Unlike federal loans, private lenders can’t seize tax refunds or federal benefits.

How Wage Garnishment Works for Private Student Loans

Here’s a closer look at how student loan wage garnishment actually unfolds for private student loans, from the first missed payment to paycheck deductions.

Default Timelines

Depending on the lender, private student loans are considered to be in default after three to six months of missed payments. Once in default, a lender may:

•   Report the default to the consumer credit bureaus.

•   Send your account to a collection agency.

•   File a lawsuit to recover the debt.

At this stage, communication with your lender is key. Some will offer settlement options or hardship forbearance, which can help you avoid a wage garnishment down the road.

Recommended: How to Get Student Loans Out of Default

Lawsuit and Judgment Process

If the lender decides to take legal action, you’ll be served with a complaint and a court summons. You typically have a set time period to respond to the lawsuit by filing an answer with the court. If you don’t file your answer on time, the lender can get a default judgment, which is an automatic ruling in their favor.

If you respond to the lawsuit and go to court, you will likely appear before a judge who will hear both sides. If you win, you won’t need to pay the debt in question. If the creditor wins, they will have established a legal right to collect the debt. They can then seek permission to do so, typically through a wage garnishment.

Employer Notification and Paycheck Deductions

If the lender gets a court order for wage garnishment, they can legally require your employer to withhold a portion of your paycheck and send those funds directly to them. The employer, also known as the garnishee, is notified of the wage garnishment order. They must legally comply with the order and in accordance with state law.

A portion of your earned wages may then be automatically deducted from your net paycheck each payroll period until the debt is fully repaid or otherwise resolved.

Percentage of Wages Garnished

The amount that can be garnished from your paycheck depends on federal and state laws. Under federal law, the maximum garnishment for most debts (including private student loans) is:

•   25% of your disposable income, or

•   The amount by which your weekly disposable earnings exceed 30 times the federal minimum wage (currently $7.25 per hour), whichever is less.

Disposable income is an employee’s gross pay minus legally required deductions, such as federal, state, and local taxes, Social Security, and Medicare.

Some states, however, impose stricter limits.

State-by-State Differences

Each state has its own rules governing wage garnishment. Some states allow the full 25% limit, while others cap it lower — or even prohibit garnishment in certain situations.

In Massachusetts, for example, a creditor is only allowed to garnish the lesser of 15% of your gross weekly wages or 50 times the federal or state minimum wage. In Florida, a judgment creditor cannot garnish your pay if you are head of the family and your wages are $750 per week or less.

If your state has more protective laws, those take precedence over federal limits.

How to Avoid Private Student Loan Wage Garnishment

The most effective way to stop student loan wage garnishment is to prevent it before it starts. Once a garnishment order is in place, it’s difficult to reverse -– but there are several proactive steps you can take.

Negotiate Repayment

If you’re struggling to make payments, it’s a good idea to contact your lender. Explain your financial situation, and ask about your options. Many lenders are open to negotiating when they see you’re acting in good faith. The lender might offer temporary forbearance, which is a pause on payments to give you time to recover financially. Or they might be willing to extend the term of your student loan, which will reduce your monthly payment.

If your loan has already been sent to collections, you can negotiate directly with the collector. Just be sure to get all agreements in writing before sending any payment.

Refinance Student Loans

If the debt is eligible, refinancing can be another strategy to prevent wage garnishment down the line. This involves taking out a new loan (ideally with a lower interest rate) and using it to pay your original student loan (or loans) in full. You then repay the new loan according to that loan’s rate and terms. Using an online student loan refinance calculator can help you see how much a refinance could save you monthly and over the loan term.

Keep in mind, however, that you generally need good credit and stable income to qualify for student loan refinancing. If you’re already in default, refinancing might not be immediately available. However, building your credit profile and paying off some debt can make it possible later.

If you have federal as well as private student loans, keep in mind that refinancing federal loans with a private lender means giving up federal benefits and protections like income-based repayment and forgiveness programs.

Your Rights and Legal Protections

If you end up facing private student loan garnishment, you still have a number of rights under both federal and state law. Here are some to keep in mind:

•   You must receive proper notice: Before any garnishment begins, you’re entitled to written notice that a wage garnishment order has been issued to your employer. In some states, this notice must include certain instructions, such as how to request a change to their garnishment order.

•   You can contest the garnishment: You may be able to file an objection if you weren’t properly notified of the lawsuit before the judgment, the debt isn’t actually yours, or the amount being garnished exceeds legal limits. This typically triggers a hearing where you can present your case before a judge. If successful, the garnishment may be reduced or eliminated entirely.

•   You’re protected from retaliation: Under federal law, employers cannot fire an employee for having their wages garnished for a single debt. That protection doesn’t extend to employees with multiple wage garnishments. However, some states provide stronger safeguards.

•   Some income is exempted: Some kinds of earnings can’t be garnished by private lenders. This generally includes: Social Security payments, child support, alimony, disability benefits, as well as income from pensions, individual retirement accounts (IRAs), 401(k)s, and other retirement funds.

The Takeaway

For private student loans, wage garnishment is a serious consequence of default, but it’s not automatic. Unlike federal loans, private lenders must first successfully sue you and obtain a court order to legally garnish your wages, which is limited to a maximum of 25% of your disposable income under federal law.

The best way to protect your paycheck is to be proactive: Communicate with your lender, explore options like forbearance or refinancing before default occurs, and know your rights regarding notice, legal protections, and the types of income that are exempt from garnishment.

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.

FAQ

Can private lenders take money from my bank account?

Private lenders cannot directly take money from your bank account without your permission or a court order. However, if you signed an agreement allowing automatic payments, they may legally withdraw funds as outlined in the contract. If you default on a loan, the lender must sue you and obtain a judgment before garnishing your wages or seizing funds from your bank account through a legal process.

What’s the difference between wage garnishment and a lien?

Wage garnishment and liens are both methods creditors use to collect debts, but they work differently. Wage garnishment deducts money directly from your paycheck before you receive it, continuing until the debt is paid. A lien, on the other hand, is a legal claim on one of your assets (such as a house or car). It gives a lender or creditor the right to receive a portion of any money you would receive if the property is sold or refinanced.

Will garnishment affect my credit score?

While wage garnishment itself doesn’t appear on your credit report, the events that led to it (such as missed payments and loan default) will. These items can stay on your credit report for up to seven years and negatively impact your credit score.

Can I be fired because of wage garnishment?

Federal law protects employees from being fired over a single wage garnishment, meaning your employer cannot terminate you for one debt being garnished. However, if multiple garnishments are issued against you, these protections may not apply and your employer could take actions. State laws vary, with some offering stronger protections than others.

Is wage garnishment public record?

Yes, wage garnishment is part of the public record because it results from a court order. When a creditor sues and wins a judgment against you, that legal action becomes accessible through public court records.

Photo credit: iStock/Pekic

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 Bank, N.A. and its lending products are not endorsed by or directly affiliated with any college or university unless otherwise disclosed.

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.

SOISL-Q425-007

Having a car can make college life easier, especially if you’re balancing classes, work, and off-campus living. It’s natural to wonder whether student loans can help cover this major expense. After all, they can pay for tuition, housing, and other college-related costs.

However, student loans come with strict rules about how the money can be used — and buying a car isn’t one of them. That said, you can use student loans for certain car-related expenses, such as gas, maintenance, and parking. You can also use student loans to cover other transportation costs like bus, train, or subway passes.

Here’s a closer look at what expenses student loans can and can’t cover, plus some alternative ways to afford a car while you’re in college.

What Student Loans Can Be Used For

Both federal student loans (which are funded by the U.S. government) and private student loans (which are funded by banks, credit unions, and other private lenders) are meant to be used for expenses essential to your education.

Generally, you can use your student loans to pay for:

•   Tuition: Your loan can be used to cover the cost of attending classes.

•   Books, supplies, and fees: This includes course materials, required supplies (like notebooks and pens), and lab and other fees not covered by tuition.

•   On-campus room and board: You can use your loan to cover your dorm expenses and meal plan.

•   Off-campus housing and food: If you live off-campus, eligible expenses include rent, utilities, and groceries.

•   Transportation: You can use loan funds for transportation expenses such as gas, car maintenance, and public transportation to get to and from school.

•   Study abroad: If you choose to spend a semester or year abroad, you can use your loan to cover those costs.

•   Technology and equipment: This includes a laptop, software, or any other equipment needed for your classes.

•   Professional expenses: You can use your loan to pay for professional certification tests and licenses related to your career field.

•   Disability needs: Loans can be used to pay for specialty services, equipment, and necessary supplies.

•   Child care: If you’re a parent, you may be able to use your loan to cover child care necessary for you to study and attend classes.

The list of qualifying expenses is relatively broad. Essentially, if the expense is essential to your educational success (meaning it supports your living arrangements, basic daily needs, or attendance at school), then it is likely an acceptable use of student loan funds.

Why Student Loans Generally Can’t Be Used to Buy a Car

While transportation is considered a legitimate educational expense, buying a car itself is not. In fact, federal regulations specifically exclude the purchase of vehicles as an allowable use of student loan funds.

If you want to purchase a new or used car, that money has to come from another source, such as savings or a car loan. The same goes for buying a motorcycle or e-scooter, since these are also considered personal purchases not necessary to your education.

Here are some other purchases student loans should not be used for:

•   Clothing and accessories

•   Grooming items

•   Nonessential household goods (like a TV, video gaming device, decor)

•   Restaurants and entertainment (e.g., eating out, takeout, concerts, sports tickets)

•   Nonessential travel (such as vacations or nonschool related trips)

•   Purchasing a home (such as down payment)

Though lenders and financial aid offices generally don’t actively monitor your use of student loan funds, you could potentially face consequences for misusing the money. Though rare, a lender could terminate your loan agreement and require you to pay back the full amount right away. Misuse of federal student loans could make you ineligible for future federal student aid, making it harder to pay for college moving forward.

Transportation Costs That May Be Covered by Student Loans

While you can’t buy a car with student loans, you can use these funds for transportation costs related to car ownership. For example, if you use a family car or buy a car with other funds, you can use your student loan to cover the cost of gas, oil, essential repairs, general maintenance, and insurance payments.

Student loans can also be used for parking costs and tolls, as well as other forms of transportation, such as buses, trains, subways, and bike-sharing programs.

Recommended: How Do Student Loans Work?

Alternatives to Using Student Loans to Buy a Car

While you can’t use student loan money to buy a car, there are other ways to finance a car purchase while you’re in college. You might also consider some alternative (less costly) ways to get around. Some ideas:

•   Save up and pay cash: The best way to avoid debt is to choose a car you can afford to pay for upfront. Consider working part-time during the school year or over the summer to help stash money away so you can buy an inexpensive but reliable used car. Websites like Kelley Blue Book and Edmunds can help you find affordable, fuel-efficient options for students.

•   Apply for a car loan: This type of financing is offered through banks, credit unions, private lenders, and car dealerships. Some lenders and dealerships offer special deals on car loans for college students, such as a rate discount or more flexible qualification requirements (such as using grades in lieu of a credit score).

•   Apply with a cosigner: As a student, you may have limited or no credit history. A creditworthy cosigner (like a parent) can significantly improve your chances of loan approval and help you secure a better interest rate.

•   Use public or campus transportation: If your school is in an area with solid public transit, a monthly bus or train pass might be cheaper and more practical than owning a car. Some campuses also offer free shuttles or student discounts for local transportation.

•   Car sharing/ridesharing: Services like Zipcar or use of Uber/Lyft can be cost-effective for occasional trips, allowing you to avoid car maintenance, insurance, and monthly parking costs.

•   Biking or walking: If you live close to campus or work, human-powered transport can be a free and healthy alternative to buying a car.

How Having Student Loans Can Affect Getting a Car Loan

If you feel you really need a car and want to pursue separate financing, it’s important to understand how your existing student debt can influence your ability to get approved for a car loan. Two key factors to keep in mind:

•   Your debt-to-income (DTI) ratio: Lenders look at your DTI ratio — the percentage of your monthly income that goes toward debt payments — to determine how much additional debt you can handle. If you have high student loan payments, your DTI may be too high to qualify for another loan.

•   Student loans can impact your credit: Having student loans can help you build credit if you make on-time payments. This can make it easier to qualify for a car loan with attractive rates and terms. On the flip side, however, missed or late payments can hurt your score and make qualifying for a car loan more difficult.

If you’re still in school and relying heavily on federal or private student loans, it might be smarter to wait until after graduation, when your income is more stable and you’ve established a stronger credit profile, to take on an auto loan.

The Takeaway

Using student loan funds to purchase a car is generally prohibited by both federal and private student loan rules, as a vehicle is considered a nonessential personal asset.

While these loans can cover transportation costs related to your education, such as gas, insurance, and maintenance for a car you already own, or public transit fares, they cannot be used for the vehicle purchase itself.

Misusing student loan money can lead to severe penalties, including the potential loss of future financial aid or immediate repayment of the loan. If you need a car for college, consider alternatives like saving up to pay cash or applying for a separate auto loan.

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.

FAQ

Can I use leftover student loan money to buy a car?

No. Although student loan funds can be used to cover transportation costs associated with your education, buying a car itself is not considered an allowable or qualified education expense. Student loan funds are meant for essential costs like tuition, books, fees, and housing. The purchase of a personal asset like a car is generally viewed as a nonessential expense by both federal and private student loan lenders.

Are cars considered a qualified education expense?

No, a car purchase is explicitly not considered a qualified education expense by federal student loan regulations, and private student lenders typically have similar guidelines. While transportation costs (like gas, car maintenance, and public transit) that are essential for attending school may be covered, purchasing the vehicle itself is considered a personal, nonessential asset acquisition.

What happens if I use student loans for noneducational expenses?

Though lenders generally do not actively monitor your spending, misusing student loan funds can lead to negative consequences. If the misuse is discovered, the lender may terminate your loan agreement and require you to pay back the full loan amount right away. Misusing federal student aid can also result in losing your eligibility for all future federal financial aid, making it significantly harder to afford the remainder of your education.

Can I get an auto loan while repaying student loans?

Yes, you can get an auto loan while repaying student loans. Lenders will assess your overall financial situation, including your student loan debt, to determine your eligibility and interest rate. Key factors include your credit score and your debt-to-income (DTI) ratio. If your student loan payments are high relative to your income, that could make it harder to qualify for an auto loan or result in a higher interest rate. However, making consistent, on-time payments on your student loans can help build a positive credit history, which can improve your chances of securing a favorable auto loan.

Are there student transportation assistance programs?

Yes, many colleges offer student transportation assistance programs, including free or reduced-fare public transit passes, campus shuttle services, and emergency grants for transportation. Some schools offer transportation assistance programs targeted to specific student populations, such as low-income students, students with disabilities, or students experiencing homelessness or housing insecurity.

Photo credit: iStock/yuki-ramen1025

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 Bank, N.A. and its lending products are not endorsed by or directly affiliated with any college or university unless otherwise disclosed.

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.

SOISL-Q425-006

Turn your passion for playing video games into a career by attending one of the top game design colleges in the country.

Game design is an in-demand industry, with new video games for gaming systems, tablets, and phones continually being developed and released. Here, we’re exploring 20 of the best gaming development programs you might want to consider.

What to Look for in a Game Design School

If you’re looking into colleges for video game design, you’ll quickly realize that not all programs are created equally. Some schools only offer a class or two in game design, while others go deep into the field, offering internships and hands-on experiences.

If you’re interested in attending a game design school, it’s important to research schools and programs prior to making your decision. Make sure to look into the specific type of degree you want (undergraduate degree or certificate, for example), the length and commitment of the program, what current and former students have to say about the program, the helpfulness of the faculty and staff, and more.

Fortunately, we’ve done some of the work for you. Here’s a look at some of the best game design programs in the country.

Top Colleges for Game Design

There are a number of video game design colleges and programs in the U.S. Here, we’ve created a list of well-regarded programs at all different price points.

Shawnee State University

Shawnee’s Game Design School has made it on The Princeton Review’s Top Undergraduate Schools for Game Design list for 15 consecutive years, and with such low tuition, it might be a great bargain. Located in Portsmouth, OH, you can elect to study Game Programming or Game Arts.

•   1 year of tuition: In-state $10,180.38; Out-of-state $17.248.50

University of Silicon Valley

USV is available on-campus in the heart of Silicon Valley or 100% online. The university offers Bachelor of Arts degrees in both Game Design and Game Art, as well as a Bachelor of Science in Game Engineering. After graduating, students are qualified for roles including animator, modeler, game writer, computer programmer, and more.

•   1 year of tuition: $21,980 (in-person); $16,667 (online)

Arizona State University

ASU’s Bachelor of Arts in Interdisciplinary Studies offers a concentration in Computer Gaming with three tracks to choose from: Programming, Art, or Education. Located in stunning Tempe, AZ, courses in the program include Introduction to Graphics and Game Development, Fundamentals of Game Art, Game Engine Architecture, and 3D Modeling and Texturing.

•   1 year of tuition: In-state $12,975; Out-of-state $35,167

University of Utah

The Utah Division of Games, located in Salt Lake City, is a college for game designing that combines art, humanities, social science, and computational research and practice to prepare students for careers in the field. Students can choose from multiple gaming bachelor’s degrees, a master’s degree, and even a minor in gaming. The Bachelor of Science in Games includes courses like Survey of Games, Ethics in Games, and Alternative Game Development.

•   1 year of tuition: In-state $10,004; Out-of-state $31,748



💡 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.

University of Southern California

USC’s Interactive Media & Games program offers three undergraduate options: a BFA in Themed Entertainment, a BFA in Game Development and Interaction, and a BFA in Game Art. Located in sunny Los Angeles, the program also offers four graduate degrees and nine minors.

•   1 year of tuition: $75,162

Laguna College of Art and Design

Laguna College of Art and Design Game Art program, located in Laguna Beach, CA, prepares students for employment in any studio or software environment. Students learn the fundamentals of storytelling at every phase of the creation process, how to use a workflow methodology, and how to solve problems in concept challenges.

•   1 year of tuition: $39,376

Full Sail University

Full Sail’s Interactive Technology Bachelor of Science Completion Program in Winter Park, FL, offers a Game Design concentration that includes high-level game design and production courses that prepare students to work in game studios after graduation. Recognized as a Top Game Designs Schools by The Princeton Review, the program offers multiple start dates throughout the year and has an accelerated schedule for students looking to finish early.

•   1 year of tuition: $40,300

Drexel University

Drexel University in Philadelphia offers a Bachelor of Science in Game Design & Production, and is recognized as one of the country’s top undergraduate game design programs. Students learn skills like scripting and storytelling, computer programming, computer graphics, animation, motion capture, and more.

•   1 year of tuition: $64,262

Bradley University

Bradley University in Peoria, IL, offers both a BA and a BS in Game Design. During your studies, you’ll have the opportunity to intern for a design company, participate in competitions, and show your work at an annual exhibit.

•   1 year of tuition: $43,850

Savannah College of Art and Design

SCAD’s Interactive Design and Game Development degrees offer locations in Atlanta and Savannah, GA, with the option to study abroad in Lacoste, France. Students can study at any of the three locations each semester, with the option to switch locations during their time in the program. Courses in the program include Digital Communication, Visual Culture in Context: Pre-Modern Global Perspectives, Aesthetics, and Core Principles: Game Art.

•   1 year of tuition: $42,165

Michigan State University

MSU offers a Game Design and Development Program, a Top 10 Ranked program by The Princeton Review, that was founded in 2005. Students can choose from a Bachelor of Arts in Games and Interactive Media, a Minor in Game Design and Development, or a Serious Games Graduate Certificate. All students get the opportunity to design prototypes and conduct research on the effects of gaming.

•   1 year of tuition: In-state $17,374; Out-of-state $44,758

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University of California – Irvine

The Bachelor of Science degree in Game Design & Interactive Media at UC Irvine includes coursework in game programming, game design and development, visual design, interactive storytelling, data science, and game studies. Students graduate the program well-prepared for a career as a designer, developer, and industry leader. Students also get access to well-respected industry mentors.

•   1 year of tuition: In-state $19,268; Out-of-state $56,870

Champlain College

Champlain’s Bachelor of Science in Game Programming provides hands-on experience, with students collaborating to create and complete game projects. Located in gorgeous Burlington, VT, Champlain was named a “Most Innovative School” by U.S. News & World Report in 2022. Upon graduation, students are well-prepared to work in gaming studios.

•   1 year of tuition: $48,800

Quinnipiac University

Level up your creativity with Quinnipiac University’s Game Design & Development Program. Ranked as one of The Princeton Review’s Top Game Design Programs, students can choose a concentration to focus on, including programming, technology, design process, art, game studies, and more. Located in Hamden, CT, the program also gives students the chance to collaborate with partners both within and outside the community.

•   1 year of tuition: $57,700

Recommended: Private vs. Public College: The Pros & Cons of Both

Rochester Institute of Technology

The Game Design, Development, and Arts program at RIT has been rated one of the best programs in this field of study by many organizations, including U.S. News & World Report. Degree options include 3D Digital Design, Film & Animation, Illustration, New Media Interactive Development, and more.

•   1 year of tuition: $61,204

💡 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.

Worcester Polytechnic Institute

The Interactive Media and Game Development (IMGD) program at WPI dives into different aspects of gaming design, including digital painting, 3D modeling, writing for games, game audio, artificial intelligence, and virtual reality. Located in Worcester, MA, the program is recognized as one of the oldest gaming programs in the country.

•   1 year of tuition: $62,266

New York University

New York University’s BFA in Game Design has three primary areas of study: Game Studies, Game Design, and Game Development. You can also choose from one the following Production Areas: Programming, Video Design, Audio Design, and Game Business. Though tuition here is a bit higher than at some of the other schools, you can pay for it with a federal or private student loan.

•   1 year of tuition: $65,622

Carnegie Mellon

The Game Design undergraduate program at Carnegie Mellon in Pittsburgh, PA, will give you a solid foundation in game systems and mechanics design, interactive narrative and character development, visual and audio asset creation, game programming, interface design and user testing, and collaboration and the iterative design process.

•   1 year of tuition: $68,096

University of California – Santa Cruz

In USC Santa Cruz’s Bachelor of Science in Computer Science: Computer Game Design, you’ll learn about the construction and design of interactive computer games. In your final year of study, you’ll be immersed in an intensive year-long game project sequence.

•   1 year of tuition: In-state: $16,785; Out-of-state: $37,602

Recommended: Student Debt Guide

Cornell University

Cornell, another of the best game design colleges, is located in Ithaca, NY. It offers a minor in Game Design that includes classes like Intro to Computer Game Architecture, Advanced Computer Game Architecture, Analytics-Driven Game Design, Graphics and Art, the Psychology of Gaming, and Human-Computer Interaction.

•   1 year of tuition: $71,266

The Takeaway

With so many game design colleges available, it might be hard to make a decision. Factors to keep in mind include the type of program, the location, the faculty and staff, and the cost.

However, don’t let a high sticker price keep you from applying to your top choice. Many colleges offer generous financial aid packages — which may include grants, scholarships, work-study, and federal student loans — that can make your education more affordable.

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.

FAQ

What’s the most affordable game design program?

Shawnee State University offers a nationally acclaimed game design program with low tuition. Tuition for in-state residents is $10,180 per year.

What’s the most expensive game design program?

Cornell University has one of the most expensive game design programs in the U.S. at over $71,000 per year.

How much does game design school cost?

Game design schools can range anywhere from $10,180 to more than $70,000 per year.

Photo credit: iStock/fizkes

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 Bank, N.A. and its lending products are not endorsed by or directly affiliated with any college or university unless otherwise disclosed.

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.

SOISL-Q425-029

The average cost of college tuition and fees for the 2025-2026 academic year is $11,950 at public colleges for in-state residents, $31,880 at public colleges for out-of-state residents, and a whopping $45,000 at private colleges. And the price tag for an undergraduate degree typically goes up every year. Any way you look at it, college is a huge expense for students and their families.

Many schools offer financial aid to make college more affordable. But sometimes your initial financial aid offer — which may include grants, scholarships, loans, and work-study — just isn’t enough to cover the cost. And your family may not be in a position to help you make up the difference. What do you do if you can’t afford college, even with financial aid?

Take heart: There are many options out there to help you pay for higher education. Navigating them can be a challenge, though, especially if you haven’t had to manage major financial responsibilities until now. The key is doing the research and giving yourself enough time to take advantage of all the opportunities available to you.

What follows are a few ideas on how you could get more money for school.

Apply for Scholarships and Grants

There’s a lot of “free money” for college out there in the form of scholarships and grants. Your Free Application for Federal Student Aid (FAFSA®) will automatically match you with any federal financial aid programs you qualify for. The form is also used by many states and colleges to determine eligibility for their own aid. In addition, there are numerous scholarships available from private organizations that you can seek out and apply for separately.

You might start your search by asking your high school guidance office and the admissions or financial aid department at the school you plan to attend about college scholarships opportunities you may be eligible for. These might be need-based, merit-based, or a combination of both.

You can also do your own online research. A search engine like FastWeb or FinAid can help you hunt down scholarships that are a good fit. SoFi also offers a Scholarship Search Tool, as well as a state-based search tool.

To uncover more obscure scholarships, you may want to reach out directly to companies and organizations you have some connection to. This might include:

•   Family members’ employers and associations

•   Community service groups with whom you’ve volunteered

•   Identity/heritage groups

•   Religious communities you’re involved with

•   Special-interest groups, such as the Starfleet scholarship offered by the Star Trek Fan Association (there are many niche scholarships like this)

Once you’ve identified relevant scholarships, you’ll need to carefully put together your application materials. Typically, you need to include a transcript, personal statement, and personal references. You may want to have a teacher, parent, or guidance counselor read over your materials and give you feedback.

Though time-consuming, this project can be well worth the effort. It’s remarkable how a bunch of smaller scholarships or grants can add up and help make college more affordable.

💡 Quick Tip: You’ll make no payments on some private student loans for six months after graduation.

How to Request More Financial Aid

You might consider appealing your financial aid award if there has been a change in your financial circumstances or if you believe the information on your FAFSA form does not accurately represent your ability to pay for college.

College financial aid office websites often provide information about what steps to take if you’ve had a change in financial circumstances since completing your aid application. In addition, financial aid staff are often available to provide you with guidance and discuss options if your financial aid awards or offers aren’t enough to cover your college expenses.

This appeal process will likely require you to submit additional documentation to your school’s financial aid office. If warranted, the financial aid office can then recalculate your eligibility, possibly resulting in a change to your financial aid offer.

Get a Work-Study Job

Another way to help pay for college is to work while you’re in school. Federal student aid packages may include a job through the Federal Work-Study program, which aims to fund part-time jobs that are (ideally) in the public interest or related to your field of study. Federal work-study is awarded based on financial need, so it may not be part of every student aid package.

These jobs may be on or off campus, at a nonprofit organization or government agency, or simply within your university. Some schools also set up work-study jobs with for-profit employers that may be relevant to what you’re studying. These jobs pay at least minimum wage, but sometimes more, depending on the position.

With a work-study job, your school typically pays you by the hour, at least once a month. The number of hours you can work is limited and set by your school. To get the full low-down, ask your school’s financial aid office whether they participate in the Federal Work-Study program, how many hours you qualify for, and what job opportunities exist.

Note that qualifying for work-study doesn’t automatically guarantee you a job. You may still need to find one and apply for it. These opportunities are often limited, so it’s a good idea to start gathering information early if you decide to go this route.

Recommended: Guide to Saving Money in College

Find A Part-Time Job

Another option is to look for a part-time job on your own. Your college might have internal job boards that list on-campus jobs for students or jobs that alumni have posted. Because you’re in the same network (either at your school or via alumni), you might have a leg up on outside applicants.

If you don’t find the right fit, be proactive by asking your professors, academic departments, family friends, and establishments around town whether they are looking for help. And of course, check external job sites for part-time opportunities.

Some part-time jobs, like research assistant or tutor, can help build your resume. But don’t discount flexible gigs outside your field of study that just pay well, such as waiting tables or walking dogs. If you play your cards right, your part-time job can more than make up for a financial aid shortfall.

Take Out Additional Federal Student Loans

If you still need more funds to fill the tuition gap, taking out additional student loans may still be an option. It’s likely that if you filled out the FAFSA and received a federal financial aid package, you may have already been awarded federal student loans.

Federal loans offer fixed interest rates and more flexible repayment terms than most private lenders. In most cases, student loans from the federal government don’t require a credit check or a cosigner, which can be especially helpful if you haven’t had time to build up a credit history.

As an undergraduate, you can take out two different types of loans under the Federal Direct Loan program. One of these is a Direct Subsidized Loan, which is awarded based on financial need. If you qualify for this loan, you will not be responsible for the interest that accrues while you’re in school and for six months after you graduate.

You can also take out a Direct Unsubsidized Loan, which does not depend on financial need. Interest on this loan will accrue while you’re in school and during the six-month grace period, though you will not be responsible for paying that interest until your repayment period begins. And you don’t have to start repaying subsidized or unsubsidized federal loans until you graduate or drop below half-time enrollment (and after the six-month grace period).

Currently, you can take out anywhere from $5,500 to $12,500 per year in federal loans as an undergraduate, depending on your dependency status and your year in school.

A parent can also take out a Direct PLUS Loan from the federal government to help you pay for school. For the 2025-2026 academic year, parents can borrow as much as your total cost of attendance minus any financial aid you’ve gotten. Starting in the 2026-2027 academic year, Parent PLUS loans will be capped at $20,000 annually.

In order to qualify for a Direct PLUS Loan as a parent of a dependent undergrad, they will have to go through a credit check and must not have a problematic credit history. If parents request a deferment, they don’t necessarily have to start repaying their loans until six months after their child graduates or drops below part-time enrollment.

💡 Quick Tip: Parents and sponsors with strong credit and income may find much lower rates on no-fee private parent student loans than federal parent PLUS loans. Federal PLUS loans also come with an origination fee.

Apply for Private Student Loans

If you weren’t able to get enough in federal aid, including federal loans, you may be able to borrow additional loans through a private lender (such as a bank, credit union, or online lender) to cover the balance.

Private student loans typically come with higher interest rates than federal student loans and don’t offer the same borrower protections (like income-driven repayment). However, they come with higher borrowing limits. Typically, you can borrow up to the total cost of attendance, minus any financial aid received, every year, giving you more flexibility to get the funding you need.

Loans amounts, rates, and repayment terms vary by lender, so it’s a good idea to shop around to find the best options. As you compare lenders, keep in mind that a fixed interest rate will stay the same for the life of a loan, while a variable rate can change over time as market interest rates change.

Private student loan lenders often have a minimum credit score requirement to qualify, so you might need a cosigner to get approved for funding.

Ask Your School About Payment Plans

“If the cost of college tuition is a concern, it could be worth looking into tuition payment plans,” says Brian Walsh, CFP® and Head of Advice & Planning at SoFi. “ These plans are offered by some colleges and could help make tuition payments more manageable for students and parents.” For example, you may be able to pay monthly without being charged late fees or getting dropped from your classes.

While a tuition payment plan may not reduce your expenses, it could at least make them easier to manage. You can find out about payment plans by contacting your school’s billing office (it may also be referred to as the bursar’s office, cashier’s office, or student accounts office).

Consider More Affordable Options

If you don’t qualify for financial aid, or your financial aid is not enough, you might try to reduce your costs by choosing a less expensive school. The average in-state cost of a public college is nearly 75% less than the average sticker price at a private college, according to data from U.S. News. There are even some schools that offer free tuition.

You can also reduce the cost of a bachelor’s degree by starting out at a community college, then transferring to your desired four-year school. A community college, particularly a public one, may offer a significantly lower sticker price. However, you’ll want to make sure that your prospective college will allow the credits to transfer.

If you have your eye on a specific career, you might also consider going to a trade or technical college. Technical schools provide industry-specific classes that prepare students for a particular career or trade. Programs can take anywhere from less than two years to up to four years, after which you earn a certificate, diploma, or associate degree. The cost of tuition at a technical school is usually significantly less than a college or university — often as little as $5,000 per year.

The Takeaway

Just because you didn’t get enough financial aid doesn’t mean you can’t afford to attend college. By applying for grants and scholarships, taking on a part-time job, appealing your aid award, and applying for loans, you may be able to find a path to achieving your dreams.

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.

FAQ

How can I increase my financial aid for college?

You may be able to increase your financial aid by appealing your award. You can contact the school’s financial aid office to find out how its appeals process works. Your appeal is most likely to be successful if there was an error on your aid application, your family’s circumstances have changed since you first applied, or you have a competing offer from another school that you can ask your dream school to match.

You may also be able to get more aid for college by searching — and applying — for private scholarships. There are numerous private scholarships and fellowships available, often funded by foundations, corporations, and other independent organizations.

What income gets the most financial aid?

The amount of financial aid you receive is primarily based on your financial need as calculated by the FAFSA^® and your school. Generally, students from lower-income families who demonstrate greater financial need are eligible for the most need-based financial aid, such as the Pell Grant and Direct Subsidized Loans. However, merit-based aid, which is not dependent on income, can be awarded to students from any income level based on academic achievement, talents, or other criteria. Ultimately, there is no specific income that guarantees the “most” aid; it is a combination of financial need and merit-based eligibility.

What GPA does FAFSA require?

The FAFSA^® itself does not have a GPA requirement. However, to remain eligible for federal student aid once you are enrolled in college, you must meet the satisfactory academic progress (SAP) standards set by your school. These standards typically include maintaining a minimum GPA, usually a C average (2.0 on a 4.0 scale), and successfully completing a certain percentage of the courses you attempt.

If you fail to meet SAP, your school may put you on academic probation, and if you don’t improve, you could lose your eligibility for federal financial aid. Check your college’s specific SAP policy for details.

Is there a limit to how much FAFSA you can get?

Yes, there are limits on how much federal student aid you can receive through FAFSA^®, both annually and in total, depending on the type of aid (grants or loans) and your status as an undergraduate or graduate student. For example, annual loan limits for undergraduates range from $5,500 to $12,500, depending on their year in school and dependency status, while the maximum annual Federal Pell Grant award is $7,395.

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 Bank, N.A. and its lending products are not endorsed by or directly affiliated with any college or university unless otherwise disclosed.

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.

SOISL-Q425-019

College study abroad programs offer students an extraordinary chance to explore a new part of the world while earning credit toward a degree. Each year, more than 300,000 American students study, engage in internships, or volunteer abroad for academic credits, according to the U.S. Department of State.

Despite the culturally rich and memorable experience this offers, the cost of studying abroad can be a barrier to many students. On average, study abroad programs cost between $15,000 and $22,000 per semester.

Read on to learn more about the costs involved in spending a semester or year abroad, how financial aid can help, plus other ways to make studying abroad more affordable.

Average Cost of Study Abroad Programs

The cost of studying abroad depends on two main factors — where you go and whether you enroll directly through your host university or use a third-party provider.

Generally, enrolling in a third-party study abroad program is more expensive. It provides you with more hand-holding and guidance in the pre-planning stages and while you’re living and studying overseas.

Average study abroad costs through a third-party provider can range anywhere from $15,000 to $22,000 per semester depending on location. These programs usually include housing and sometimes meals. Depending on the country, the cost of tuition could be significantly lower if you directly enroll in a foreign university.

If your home school has its own study abroad program, the tuition may be the same as it is stateside, though they may tack on some extra fees.

The cost of studying abroad goes beyond tuition, however. You will need to budget for other expenses like housing (if it’s not included), meals, airfare, transportation, entertainment, and books and supplies.

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

What the Cost to Study Abroad Covers

Here’s a breakdown of some of the key costs involved in studying abroad.

Getting There

You’ll need a round-trip plane ticket to get to and from your study abroad program, which can cost anywhere from several hundreds to thousands of dollars, depending on what part of the world you travel to. On top of your flight costs, you’ll need a passport. A new U.S. passport costs $165 and can take up to 10 weeks to process.

Many countries also require American students to get a travel visa in advance when visiting the country for studies. Costs vary widely by country. A student visa from Australia costs around $1,085, while one from South Africa runs about $36. Some countries, like Germany, don’t require U.S. visitors to get a student visa for studying abroad.

Recommended: 11 Ways to Make College More Affordable

Tuition and Living Costs

Typically, the price of a study abroad program will include tuition and fees at your host school, as well as some form of housing. If you directly enroll in a foreign university, you may need to pay tuition and housing separately. Either way, food is generally an additional expense.

Here are some examples of how much it can cost to study and live abroad:

In you go to Italy:

•   Average cost of a semester (including housing) through a third-party provider: $17,000-$21,300

•   Average cost of a semester (without housing) through direct enrollment: $1,500-$6,000

•   Average monthly cost of living (including rent): $1,200-$1,700

If you go to Costa Rica:

•   Average cost of a semester (without housing) through direct enrollment: $1,500-$3,000

•   Average cost of a semester (including housing) through a third-party provider: $8,500-$11,500

•   Average monthly cost of living (including rent): $1,100-$1,400

Recommended: How to Budget as a College Student

Local Transportation

Transportation expenses likely aren’t covered in the cost of your program. You might decide to take public transportation and purchase a metro pass, or rely on rideshare services. Either way, you’ll likely encounter some form of transportation cost while you’re abroad.

You may also want to take excursions to other cities or countries during time away. So it’s a good idea to factor in some extra funds for airfare/train tickets, food, and lodging for nearby travel. Keep in mind that financial aid won’t cover voluntary travel expenses beyond the cost of your initial round-trip flight.

Recommended: What to Do When Financial Aid Isn’t Enough

Insurance

Many U.S. universities require students studying abroad to enroll in a health insurance plan to make sure they have adequate coverage for medical issues and emergencies while overseas. At the University of Illinois, for example, students are charged $712 for student health insurance. If your current insurance offers adequate overseas coverage, however, you may be able to opt out of the school’s health insurance plan. Third-party study abroad programs may include overseas health insurance coverage in their fees.

Other Fees

Third-party programs will typically charge a study abroad application fee, which may be $95-$150. Your home school may charge you a study abroad administrative fee. At the University of Iowa, for example, it runs around $1,213 for one semester abroad (for in-state students). You can check with your school’s education abroad office to see how much you might be charged.

In addition, the study abroad program you choose may come with optional costs, like class field trips, short excursions, or cooking classes with a local chef.

How to Pay for Study Abroad

If you’re worried about the high cost of studying abroad, there is good news: Much of your existing financial aid can likely be used for study abroad costs. Here’s a look at how to find funding for study abroad.

Grants and Scholarships

To find out what financial aid you qualify for, you’ll want to fill out the Free Application for Federal Student Aid (FAFSA®). In addition to FAFSA-based scholarships and grants, there are many scholarships targeted specifically at students studying abroad, which you can uncover using a scholarship search engine. Third-party companies that facilitate study abroad programs also often have their own scholarships.

💡 Quick Tip: Even if you don’t think you qualify for financial aid, you should fill out the FAFSA form. Many schools require it for merit-based scholarships, too.

Federal Student Loans

Federal student loans (which may be subsidized or unsubsidized) can be used to pay for study abroad expenses, provided your home U.S. university participates in federal student aid programs and your study abroad program is approved by your school.

Federal study abroad loans for U.S. students can be used to pay tuition and fees, room and board, and other eligible expenses. Any leftover funds are disbursed to you, which you could use for travel to your destination country or basic living expenses. However, federal loans may not cover all the costs of studying overseas.

Private Student Loans

If you max out the amount you can borrow in federal loans, you can turn to private student loans to finance the remaining costs. Approval for private student loans typically hinges on your credit history. You may need a cosigner for approval if you haven’t established a credit history or your credit score is lower than the minimum score the lender requires.

Private student loans offer more borrowing power than you can get with the U.S. government, but don’t offer the same protections (like income-based repayment). Rates are also typically higher.

The Takeaway

Spending a summer, semester, or full year abroad can significantly enhance your college experience. But it can also substantially increase the cost, coming in at upwards of $15,000 per semester. Fortunately, there are funding options available to help students manage the cost of study abroad, including scholarships, grants, and 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.

FAQ

What’s the cheapest country to study abroad in?

While specific costs can vary, countries like Germany, Sweden, and Iceland are often cited as more affordable options for studying abroad, especially if you plan to enroll directly in a foreign university rather than through a third-party provider. Many of these countries boast free tuition. However, factors like the local cost of living and visa requirements all play a role in determining the overall affordability.

Does FAFSA cover study abroad?

Yes. If you qualify for student aid through the Free Application for Federal Student Aid (FAFSA®), your awarded aid funds can typically be used toward study abroad costs. If you apply to an overseas school directly, however, the school must participate in federal aid programs. Also keep in mind that your FAFSA aid might not cover the entire cost of studying in another country.

Is a year too long to study abroad?

The ideal length for studying abroad varies depending on individual goals and preferences. Some students find a summer or a single semester abroad is perfect for gaining cultural immersion and academic credit. Others prefer a full academic year to more deeply integrate into the local culture and language. Consider your academic requirements, financial resources, and personal comfort level when deciding on how long to study abroad.

Photo credit: iStock/wsfurlan

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 Bank, N.A. and its lending products are not endorsed by or directly affiliated with any college or university unless otherwise disclosed.

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.

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