Paying For School

Step 1

Determine Your Cost of Attendance

Determine what your total cost is to attend PSU for an academic year. Please see the Estimated Costs (2015-2016) web page for more information about charges which will be billed each semester by Student Account Services.  Estimated direct (billable) costs and the Cost of Attendance (COA) used for the 2015-2016 academic year are listed below.   Actual rates for 2015-2016 will be established by the University System of New Hampshire (USNH) Board of Trustees at the end of June and will be reflected in your Fall Semester bill which will be available online at the beginning of July. For specific information about billing, please visit the Student Account Services’ website.

Category Est. Direct BILLED-
Est. COA*
NH Resident $22,446 $25,950
Non-Resident $30,816 $34,500
New England Regional (13-14 & Fall 14) $26,631 $30,250
New England Regional (Spring 15 & Later) $24,816 $28,448
Commuting From Home $12,838 $20,250

*COA (Cost of Attendance) – both billed and estimated unbilled costs are used when determining total estimated financial aid eligibility. Commuting expenses are estimated on living at home and traveling to school.  Unbilled costs include estimated expenses such as books, travel and personal expenses needed during the academic year.

Step 2

Determine Your Financial Aid Award

You will be notified of your financial aid eligibility. For more specific information about the various types of aid, please see the following:

* Please remember that Federal Work Study awards will not be applied to your bill. When awarded Federal Work Study, the amount reflected indicates your maximum earnings eligibility; this does not guarantee a job. Students are responsible for securing a job on campus and will receive pay checks every two weeks for hours actually worked.

A very helpful tool to calculate your estimated bill is available at the Student Account Services website.  We encourage you to use this tool in determining any other resources needed to pay your bill each semester.

Step 3

Options for Funding Your Education

Once you have determined your Cost of Attendance and subtracted your financial aid award (except Federal Work-Study and any associated loan fees) the following options may be considered to fund your costs for the academic year:

  • Option 1: Family and other resources from savings, work, outside scholarships, etc
  • Option 2: Tuition payment program (This is a great option!) is the interest-free, debt-free way to spread tuition payments over a number of months. The tuition payment program is not a loan, so there are no interest payments, only a low enrollment fee. The Plan allows you to break down your education expenses in easy-to-manage installments, rather than one lump sum payments. It’s simple and convenient. Visit the Student Account Services’ website.

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  • Option 3: Federal Direct Parent Loan for Undergraduate Students (PLUS) is a fixed  interest loan authorized by the Federal government to help pay for dependent student’s education.   There are fees associated with this loan, and the parent is responsible for repayment.  In-school deferments may be available by contacting the Direct Loan Servicer after your PLUS loan proceeds have been disbursed to the student’s bill.
  • Option 4: Alternative Loans are in the name of the student, and most commonly require a cosigner. Alternative loans may have variable interest rates, higher fees and fewer borrower benefits than Federal loans. Some private lenders will require payment of accrued interest while a student is enrolled.

Note: A combination of the options above may be used.

April 7th, 2014 by Eric

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