Paying for graduate school

Search for grants, awards, and other funding

• Are you prepared to pay for graduate school?
  In this article, APAGS staff members discuss financial questions you should ask yourself when considering graduate school.
• Comparing the cost of programs and financial aidopens in new window
  A handy calculator where you can enter the cost of attending each program along with the aid you expect to receive. It will calculate what you have to pay and your debt burden for each program.
• Affording online educationopens in new window
  U.S. News assembled this guide to help students considering online education to learn about loans, grants, scholarships and more. Use this to supplement what we already provide here and in this article about distance education.
• Four federal loan typesopens in new window
  Federal student loans usually offer borrowers lower interest rates and have more flexible repayment terms and options than private student loans. Use this brief document to compare Perkins, subsidized, unsubsidized and PLUS loans.
• Choosing the right student loanopens in new window
  A comparison between federal and private student loans, and answers to common questions.
• American Opportunity Tax Creditopens in new window and the Lifetime Learning Creditopens in new window 
  Explanations of tax credits you can claim to decrease the amount you owe to the U.S. government while you are enrolled in school.

• Search for scholarships, grants and awards
  APA and affiliated organizations provide a wide range of grants, scholarships and awards with the aim of advancing the science and practice of psychology. Search APA’s database by deadline date, award topic, sponsor type, award type and recipient type.
• Prestigious scholarships and fellowshipsopens in new window
  Contains a list of scholarships and fellowships including details and a link to the website for each opportunity. Scroll down for graduate-eligible opportunities.

• Repaying your federal graduate student loanopens in new window
  A review of various loan repayment plans for federal student loans.
• Quick tips to manage your undergraduate loansopens in new window
  Learn about loan terms, including in-school status, grace period, deferment and forbearance.
• Student loan consolidation guideopens in new window
  Editorial advice on the pros and cons of consolidating various kinds of student loans.
• The high cost of helpinglogin required
  In this APA webinar, a panel of experts break down the causes and impacts of the graduate student debt crisis.

• Financial wellness articles from APA
  A treasure trove of recent articles, blogs posts and videos on supporting your financial wellness as a psychologist.
• How to live on a budgetopens in new window
  A tutorial in four parts: budgeting help; determining your budget; changing your lifestyle; and getting crafty with money.
• Compare costs of living in different citiesopens in new window
  If you plan to move for school, internship, a postdoc or your first job, you can compare costs between two different cities and the income you may need to maintain your current standard of living. If you are also factoring in the costs of relocating with dependents (e.g., partner, child), take advantage of a location-specific Family Budget Calculatoropens in new window.
• There are a great number of free budgeting worksheets out there to meet your needs. Evaluate the aims of the sheet and its user-friendliness before deciding if it works for you. Here's one set of downloadable examplesopens in new window and that factor in specific graduate student categories and lifestyle issues.
• Students have also told us about online services such as SALTopens in new window (to keep track of your finances and debt payments) or Mintopens in new window (to keep your financial accounts in one place, create a budget and set goals).
• Learn money management for free from certified public accountants through 360 Degrees of Financial Literacyopens in new window.