Programs for Graduate Study in New York State

There are many student financial aid programs available for graduate study in New York State. Here are some of the basic State and Federal programs.

In addition to these programs, financial aid is available from other sources, such as colleges, corporations, unions, professional associations, community organizations, and private lenders. Get information from college financial aid administrators and public libraries.

Federal Programs for Graduate Study In New York State
Loan Programs	Maximum Annual Amount	Maximum Total Amount	Program of Study	Application	Deadline	Basis for Eligibility
Federal Stafford Loans (subsidized and unsubsidized)	$8,500	$65,500 combined graduate and undergraduate (excluding additional unsubsidized Federal Stafford Loans)	All	Free Application for Federal Student Aid (FAFSA) and a Stafford Master Promissory Note (MPN)	Before academic year ends ─ see college financial aid office	General eligibility and financial need**, except for unsubsidized loans.
Additional Unsubsidized Federal Stafford Loans	$12,000	$73,000 combined graduate and undergraduate*
Federal Perkins Loans	$6,000	$40,000 combined graduate and undergraduate	All	FAFSA	Before academic year ends ─ see college financial aid office	General eligibility and financial need
Health Professions Student Loans (HPSL), includes Primary Care Loans (PCL)***	Cost of attendance	Varies	Health professions programs	See school financial aid office		General eligibility and financial need
Graduate/ Professional PLUS Loans	No set annual limits	No set aggregate limits	All	FAFSA and PLUS MPN	Before academic year ends ─ see college financial aid office	Meeting credit requirements

* Total aggregate borrowing for undergraduate and graduate study is $138,500.
** Financial need equals the cost of attendance minus financial aid minus expected family contribution (EFC).
*** PCL requires commitment in a primary care field until the loan is paid in full.

NYS State Programs for Graduate Study
Grants and Scholarships	Maximum Annual Award	Duration	Program of Study	Application	Basis of Eligibility
Tuition Assistance Program (TAP)	$550 or tuition, whichever is less	4 years	Degree programs	FAFSA and ETA (Express TAP Application)	Tuition/Income
NYS Regents Professional Opportunity	$5,000	4 years	Certain professional fields	NYS Education Department Scholarship Processing Unit, Education Building Annex, Room 1078, Albany, NY 12234	Priority given to disadvantaged and underrepresented populations
NYS Regents Health Care Scholarships in Medicine & Dentistry	$10,000	4 years	Medicine, dentistry
Jacob Javits Fellows Program	$18,000 stipend $10,857 institutional payment	4 years	Arts, humanities, social sciences	See Graduate College Office	Academic merit
Graduate Assistance in Areas of National Need		3 years	Applied sciences
Federal Work Study (FWS)	Varies	Varies	All	FAFSA	Financial need
SUNY Graduate Diversity Fellowship Program	Varies	Varies	SUNY graduate programs	SUNY Campus Graduate Admissions	Academic merit and campus diversity
SUNY Graduate Opportunity Tuition Scholarship	Tuition scholarship	Varies			Graduates from Opportunity Programs (EOP/HEOP/SEEK)
SUNY Graduate and First Professional Degree Tuition Scholarship	Tuition scholarship	Varies	Medicine, dentistry, law, optometry (at SUNY)	SUNY Professional School	Need/disadvantaged background
Veterans Tuition Award	$4,287.50 full time Prorated by credit for part time	6 semesters full time Up to the equivalent of 6 semesters of full time study	Degree programs	Veterans Tuition Award Supplement Application from HESC	NYS residents who meet service requirements