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A home that’s for sale by owner opens the door for you to buy the property without a middleman — though you may choose to use your own real estate agent to facilitate the transaction. A for-sale-by-owner deal can differ from a typical real estate transaction in a few important ways, so study this guide before you start perusing listings.

Buying a House for Sale by Owner

When homeowners choose the FSBO (“fizz-bo”) route, they take on all of the responsibilities real estate agents would typically shoulder in the homebuying process, from listing the house and showing it to negotiating and closing the deal.

The main motivation for doing so is often cash. Sellers who go it alone can save money on the real estate commission fee. If neither side uses an agent, the deal sidesteps the typical amount the seller would typically pay in commissions.

On the buyer’s side there can be a number of benefits of buying a house for sale by owner. First of all, the lack of a listing agent means you have more direct contact with the seller, which might give you more negotiating power. The seller will also likely have detailed knowledge of the house and neighborhood, which can be a bonus as you decide whether or not you want the property.

However, you may run into some pitfalls with FSBO properties. A seller may love her home and overprice it, potentially complicating matters when you get an appraisal.

💡 Quick Tip: SoFi’s Lock and Look ⁺ feature allows you to lock in a low mortgage financing rate for 90 days while you search for the perfect place to call home.

Using a Buyer’s Real Estate Agent

The home’s seller may not want to use a listing agent, but you can still engage the services of a buyer’s agent. You may already be working with an agent who can contact a FSBO seller for you. Or you may need to look for an agent who is willing to take on the job.

In some cases, buyer’s agents may be hesitant to work on a FSBO property. They may be wary of taking on extra liability, or extra work for which they will not necessarily be compensated.

That said, a buyer’s agent can negotiate the sale on your behalf and walk you through the complicated paperwork. If the seller is putting the contract together, your agent can also check the work to make sure you don’t run into any problems. Bear in mind, though, that your agent will need to be paid for these services, and you might be the one footing the bill. Although in the past it was common for sellers to cover agents’ commission, you will now need to have a representation agreement with your agent, defining compensation, before touring homes. You can still ask the home’s owner to pay your agent’s fee as a negotiation tactic, but you can’t count on it happening, particularly with a FSBO home where the seller isn’t paying an agent of their own.

Here’s what to expect in the FSBO buying process.

Shopping for a Mortgage

Before making an offer on a home, it’s a good idea to shop for a mortgage to get an idea of the terms different lenders offer and how much you are likely to pay each month.

A mortgage calculator can help you understand how down payments of various sizes will affect the numbers. And you may consider getting preapproved for a mortgage to see exactly how much you can afford to spend.

In an FSBO situation, homeowners may have no experience with the home financing process, and getting prequalified or preapproved for a home loan may remove some roadblocks on your path to making a purchase.

Viewing the Home

Your agent can contact the seller and set up an appointment to view the home. When you visit, be on the lookout for sagging floors or cracks in walls that might indicate structural issues. Test windows. Look for water damage on ceilings or walls that may be a sign of a leaky roof.

Since the seller will most likely be showing the house, take this opportunity to get as much detail about the home’s history as possible. What repairs have been made recently, and which ones haven’t been made in a while? It’s smart to ask about any warranties, and to be sure they will remain after a sale.

Recommended: What to Look for When Buying a House

Getting an Inspection

When buying a home for sale by owner, it’s unwise to skip an inspection. Home inspectors go over the house with a fine-toothed comb, looking at structure, plumbing, electricity, and appliances to see whether they need repair now or in the near future. (This home inspection checklist shows you what should be covered.)

If the inspector finds any problems, you can ask the seller to fix them, credit you the cost of repairs, or reduce the sales price. If you’ve already signed a purchase agreement, severe problems found during an inspection can be a reason to pull out of the contract.

Negotiating a Sale Yourself

If you decide not to use a buyer’s agent, you and the seller will have to negotiate the sale and write up the purchase contract yourself. You may also choose to hire a transactional agent or attorney who can help you write the contract and ensure it is done legally and in a way that protects your rights. If you do decide to go it alone, below are a few things to keep in mind.

Recommended: How to Buy a House Without a Realtor^®

Making an Offer

Before making an offer on a house, check comparable properties in the neighborhood and see if the listing price is reasonable. Doing so can help you pin down what a reasonable offer is.

Consider offering less than the listing price. The seller may ask you to come up in the asking price, but if you start too high, it’s difficult to negotiate down again. You can use the neighborhood comps you’ve researched as a negotiating tool.

Including Contingencies

Contingencies are certain conditions that must be met in order to close the deal. Some common contingencies are a satisfactory home inspection and property valuation, also known as an appraisal. If a home is appraised at less than the agreed-upon price, a lender may be unwilling to loan the buyer the money. In that case, the appraisal contingency can be an opportunity to negotiate the sales price.

A clear title is another common contingency. The title is a document that shows who has owned and now owns the home. The title company will make sure there are no liens or disputes associated with the property. If there are unresolvable issues, the clear-title contingency gives the buyer a way out of the contract.

Negotiating Fees

It can’t hurt to ask for seller concessions, such as closing costs that the seller agrees to pay. A seller may agree to help pay for property taxes, attorney fees, appraisal inspections, and the like. Even in a seller’s market, if the property has been sitting, possibly because the price was too high, a seller may offer a financial incentive to move the home.

Putting Earnest Money in Escrow

Your earnest money deposit is the money you submit with your offer to demonstrate your serious intent to buy.

The listing agent would usually put this money into escrow. But if you’re going it alone, it’s a good idea to engage a title company or escrow company to hold the money for you until the sale goes through.

If you give the money directly to the seller, they may refuse to give it back to you if a contingency causes the deal to fall through, which could mean suing to retrieve your cash.

Determining When You’ll Get Possession

Be sure your purchase agreement specifies when you will take possession of the new house and receive the keys. Possession may take place immediately after closing, or the contract may give the seller time to move.

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The Takeaway

Buying a house for sale by owner can come with challenges and opportunities. It may make sense to engage a professional real estate attorney to help you negotiate and deal with the documents. Another option is to engage a buyer’s real estate agent who can help safeguard your interests.

Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.

FAQ

Is an FSBO house always cheaper?

A house that is for sale by owner isn’t always a great deal. Some owners, lacking the pricing advice usually provided by a real estate agent and having a strong emotional attachment to their property, might actually overprice their home when they list it for sale. Make sure you have the property inspected and appraised before you buy.

How can I determine if a FSBO house is fairly priced?

In the early phase of your home-buying process you can get a sense of whether or not a home is fairly priced by searching real estate sites for “sold” prices for similar properties in the area. If you are making an offer, you can enlist the help of a buyer’s agent. You should also hire an appraiser to value the property.

Can I buy a FSBO house without a real estate agent?

You can buy a house directly from its owner without the help of a real estate agent, but it’s more work for you and you’ll want to make sure your needs are represented in the transaction. If you choose to go without a real estate agent, engage the services of a real estate attorney to ensure the sale contract protects your interests.

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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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The Pell Grant, the largest federal grant program, offers funding for undergraduate students with exceptional financial need. Eligibility is determined annually based on the Free Application for Federal Student Aid (FAFSA®), and students can receive the grant for up to six years of full-time study. The maximum award amount changes every year. For the 2025-26 school year, the maximum Pell Grant is $7,395.

The amount you can receive depends on several factors, including your family’s income and assets, the cost of attendance at your school, and your enrollment status. Here’s a closer look at how the Pell Grant works and how it compares other forms of financial aid.

Applying for a Pell Grant

To apply for a Pell Grant, you must complete the FAFSA at studentaid.gov. This is the primary form used by colleges to determine a student’s eligibility for federal aid programs, including the Pell Grant.

Pell Grant Eligibility Requirements

The Pell Grant has strict eligibility requirements. These include:

Financial Need

Pell Grants are awarded to individuals who demonstrate exceptional financial need. There are no official income limits, but award amounts are determined by several factors, including your Student Aid Index (SAI), the cost of attendance at your chosen school, and whether you’re enrolled full- or part-time.

Undergraduate Status

Pell Grants are generally only awarded to undergraduate students. However, there may be some exceptions for students enrolled in post-baccalaureate teacher certification programs.

Meeting General Eligibility Requirements

To qualify for a Pell Grant, students must also meet the general eligibility requirements for all federal financial aid programs, which include:

•   Being a U.S. citizen or eligible noncitizen

•   Having a valid Social Security number

•   Having a high school diploma or equivalent (like a GED)

•   Being accepted for or enrolled in an eligible degree or certificate program

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

How Do Pell Grants Work?

After submitting your FAFSA, the Department of Education determines your Student Aid Index (SAI), a number that measures your financial need, and sends this information to your school. If you are an undergraduate student with exceptional financial need, you may qualify for this grant funding.

Each school that participates in the federal Pell Grant program receives enough funding annually to fully cover Pell Grant awards to all eligible students. That means that if you qualify, you’ll receive your full eligible amount.

Students typically receive 100% of their annual Pell Grant split evenly between the fall and spring semesters. However, you can also receive a “year-round Pell,” which allows students who have already received their full award for the fall and spring to receive up to an additional 50% for an extra semester (e.g.,summer).

Understanding the Student Aid Index (SAI)

The Student Aid Index (SAI) is a measure that determines your eligibility for need-based federal financial aid, including the Pell Grant. Your SAI is not the amount you will have to pay, but simply a number used by schools to allocate aid.

Your SAI is calculated based on the financial information you (and any other contributors) reported on your FAFSA, including your family’s income and assets. The SAI ranges from –1,500 to 999,999, with a negative SAI indicating higher financial need. For example, if you have an SAI of –1,500, you’ll generally qualify for a maximum Pell Grant award, according to the Department of Education.

Pell Grant Funding for Military Service in Afghanistan or Iraq

You can qualify for a maximum Pell Grant award regardless of your calculated SAI if:

•   You are the child of a parent or guardian who died in the line of duty while either serving on active duty as a member of the U.S. Armed Forces on or after Sept. 11, 2001, or actively serving as and performing the duties of a public safety officer; and

•   You are younger than age 33 as of January 1 prior to the award year you’re applying for.

What Sorts of Expenses Can the Pell Grant Be Used For?

The Pell Grant can be used to cover qualified education-related expenses, including:

Tuition

Pell Grant funds can be used to pay for the cost of tuition.

Educational Expenses

You can use your Pell Grant to pay for other education-related expenses, such as the cost of books, lab fees, or other supplies like a graphic calculator or other expenses related to your course of study.

Living Expenses

It’s also possible to use the Pell Grant to pay for living expenses. This could cover room and board at your college or university. Or, if you live off-campus, this could cover the cost of rent and groceries.

Maintaining Eligibility for a Pell Grant

To continue receiving the Pell Grant throughout your college career:

•   You must fill out the FAFSA every year.

•   You must stay enrolled in your undergraduate program.

•   You need to maintain satisfactory academic progress as defined by your school This typically involves maintaining a minimum grade point average (GPA) and completing a certain percentage of the courses attempted.

•   You need to stay within the 12-semester lifetime limit – you are no longer eligible to receive a Pell Grant once you have used all 12 terms.

💡 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.

Pell Grant vs Other Types of Financial Aid

The Pell Grant is one of many different types of financial aid. Here’s a look at some other options available to undergraduates.

Other Federal Grants

In addition to the Pell Grant, the federal government offers several other nonrepayable aid options for students who qualify. These include:

•  Federal Supplemental Educational Opportunity Grant (FSEOG): A grant for undergraduate students who demonstrate exceptional financial need, FSEOG offers awards between $100 to $4,000 per year.

•  Teacher Education Assistance for College and Higher Education (TEACH) Grant: This grant provides up to $4,000 per year to students who agree to teach in high-need fields in low-income areas for at least four years after graduation.

State Grants and Institutional Aid

Many states and individual colleges offer their own grant and scholarship programs.

•  State Grants: A number of states have grant programs for residents attending in-state colleges. Eligibility may be based on financial need, academic merit, or a combination of both. You may automatically be considered for state grants when you complete the FAFSA, but some states require a separate application.

•  Institutional Aid: Colleges and universities award their own grants and scholarships, often referred to as institutional aid. This aid may be merit- or need-based. Some schools require a separate financial aid form, like the CSS Profile, in addition to the FAFSA to determine eligibility for institutional aid.

Federal Student Loans

Federal student loans are loans provided by the U.S. government to help students pay for college and must be repaid with interest. They are a key component of financial aid and typically offer more favorable terms compared to private student loans, such as lower fixed interest rates, income-driven repayment, and potential loan forgiveness programs.

Federal student loans can be subsidized or unsubsidized:

•  Subsidized Loans: These are available to eligible students who demonstrate financial need. With this type of federal loan, the government pays the interest while the student is in school at least half-time and for six months after graduation.

•  Unsubsidized Loans: These are available to eligible students regardless of financial need. Here, the borrower is responsible for paying all the interest, which accrues from the time the loan is first disbursed.

With either type of federal loan, you don’t need to start making payments until six months after you graduate or your enrollment drops below half-time.

Work-Study Jobs

The Federal Work-Study Program provides part-time jobs to students with financial need to help them earn money for education costs. Students typically work on-campus in jobs that often encourage community service or relate to their course of study. The program also emphasizes flexibility to help students balance work with academics. To be eligible, you must file the FAFSA and meet your school’s satisfactory academic progress (SAP) requirements.

When Financial Aid Is Not Enough

If your financial aid package, which may include grants, scholarships, and federal student loans, isn’t sufficient to cover your funding needs, here are some other options to explore.

Private Scholarships

There are thousands of scholarships available to help students pay for college. They may be awarded based on financial need, merit, or a combination of both. Like grants, scholarships usually don’t need to be repaid.

It can take some time to find — and apply — for the right scholarships, so it’s a good idea to start early. To find opportunities, reach out to your high school guidance office or college’s financial aid office. You can also use an online scholarship database to find programs that could be a good fit.

Private Student Loans

Private student loans are offered by banks, credit unions, and online lenders to help students pay for college expenses. Because they are not government-backed, the terms, interest rates, and repayment options are determined by the individual lender and are often based on the borrower’s (or their cosigner’s) credit score and history.

Private lenders typically allow you to borrow up to a college’s full cost of attendance, which gives you more borrowing power than with the federal government. However, these loans may have higher interest rates and don’t offer the same borrower protections that come with federal loans, such as income-driven repayment and forgiveness programs.

The Takeaway

A Pell Grant is an important form of federal financial aid for undergraduates with significant financial need. Pell Grants do not typically have to be repaid and the funds can be used for a wide variety of college expenses. The maximum award for the 2025-26 school year is $7,395.

Other funding options that can help you pay for college include other federal grants, state and institutional grants, federal student loans, scholarships, work-study programs, and private 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 disqualifies you from getting a Pell Grant?

You may be disqualified from receiving a Pell Grant if you don’t demonstrate sufficient financial need, fail to maintain satisfactory academic progress, or already hold a bachelor’s, graduate, or professional degree. Other disqualifiers include defaulting on a federal student loan, owing a refund on a previous federal grant, or not being a U.S. citizen or eligible noncitizen.

Will you ever need to pay back a Pell Grant?

A Pell Grant generally does not need to be repaid. However, there are certain circumstances in which you may need to repay a portion of the grant. This could happen if you withdraw from school before completing the semester or term, you change your enrollment status from full-time to part-time, or your family’s household income increases.

Is there a minimum GPA required for a Pell Grant? Does it have to be maintained for your whole degree?

There is no minimum grade point average (GPA) for initial Pell Grant eligibility, which is determined by financial need through the FAFSA®. However, in order to maintain eligibility for a Pell Grant, you’ll need to make satisfactory academic progress (SAP) toward your degree. The specific requirements will be outlined by your school, but may include a minimum GPA.

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-Q425-024

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

Recommended: How to Complete the FAFSA Application

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.

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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.

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