Online Colleges That Accept Financial Aid 2026–2027

Finding the right college is about more than just picking a program you like. If you need help paying for school, you want to know which online colleges accept financial aid before you apply.

This guide walks through 70 accredited schools that participate in federal financial aid programs.

You’ll see clear tuition numbers, learn how the FAFSA process works for online students, and find out which schools offer the best value based on your situation—whether you’re a working adult, military member, part-time student, or someone returning to school after years away.

By the end, you’ll have a practical shortlist of schools that fit your budget, schedule, and career goals.

What Makes an Online College Eligible for Financial Aid?

Not every online program qualifies for federal financial aid. Schools must meet specific requirements set by the U.S. Department of Education.

Accreditation matters most. Schools need regional or national accreditation recognized by the Department of Education.

Regional accreditation from bodies like the Higher Learning Commission (HLC), Southern Association of Colleges and Schools Commission on Colleges (SACSCOC), or Middle States Commission on Higher Education (MSCHE) is typically strongest for transfer credit and employer recognition.

Title IV participation is required. Schools must participate in Title IV federal student aid programs to distribute Pell Grants, Direct Subsidized and Unsubsidized Loans, PLUS Loans, and Federal Work-Study.

Your program must be eligible. Not every certificate or short course qualifies. Most associate, bachelor’s, and graduate degrees at accredited schools are eligible, but always confirm your specific program participates in federal aid before enrolling.

Understanding net price versus sticker price helps you compare schools accurately. Sticker price is the published tuition before any aid.

Net price is what you actually pay after grants and scholarships. A school with a higher sticker price might cost less out-of-pocket if it offers generous institutional aid.

Top 20 Online Colleges That Accept Financial Aid

All of these schools participate in federal financial aid programs and hold recognized accreditation.

Each profile includes typical tuition, aid options, and what makes the school stand out.

1. University of Florida Online (UF Online)

UF Online charges approximately $129 per credit hour for Florida residents taking online courses.

For a typical 120-credit bachelor’s degree, that comes to around $15,480 in tuition for in-state students.

Students can access UF Financial Aid, Pell Grants, federal loans, and Florida state grants, including Florida Bright Futures, for eligible residents.

The combination of low base tuition and stackable state aid makes UF Online one of the most affordable options for Florida residents.

The school offers strong programs in business, education, health sciences, and STEM fields.

As a flagship public university, the degree carries significant recognition with employers and graduate schools.

2. Arizona State University Online (ASU Online)

ASU Online offers over 300 online programs with undergraduate-based tuition starting around $6,800 per year for Arizona residents and over $32,000 per year for non-residents, though rates vary by program.

The school accepts FAFSA and provides Pell Grants, Direct Loans, and institutional merit-based and need-based aid for eligible online students.

ASU also offers frequent scholarship opportunities and transfer-friendly policies.

Popular programs include business, engineering, education, and liberal arts.

The school uses a flexible scheduling system with multiple start dates throughout the year, which helps working adults fit classes around their jobs.

Arizona State University also offers ASU Mastercard Scholarships for international students.

3. University of Maryland Global Campus (UMGC)

UMGC charges approximately $324 per credit for Maryland residents, $499 per credit for out-of-state students, and around $250 per credit for military members.

The school accepts FAFSA and offers federal grants, loans, work-study programs, and military Tuition Assistance. Students can transfer up to 90 credits.

UMGC was built specifically for working adults and military students. Popular programs include cybersecurity, information technology, business administration, and public safety.

The school operates on eight-week terms and accepts new students every few weeks.

4. Southern New Hampshire University (SNHU)

SNHU widely advertises online tuition at approximately $330 per credit for a 120-credit bachelor’s degree.

The school accepts FAFSA and provides Pell Grants, federal loans, and SNHU institutional grants and discounts. Many online students receive some form of institutional aid.

SNHU operates one of the largest online student bodies in the country. Programs cover business, education, healthcare, STEM, and liberal arts.

Student support services are robust, including 24/7 tutoring, career services, and academic advising designed specifically for online learners.

5. Western Governors University (WGU)

WGU uses flat term-based tuition, with many programs costing $3,500 to $4,500 per six-month term.

Students can use FAFSA to access Pell Grants and federal loans, plus WGU-specific scholarships.

Because students pay per term rather than per credit, finishing courses quickly can reduce total costs.

WGU pioneered competency-based education. You progress by demonstrating mastery rather than spending a set number of weeks in class.

This model works well for self-motivated students who can move through familiar material quickly.

Strong programs include information technology, business, teaching, and healthcare.

6. Colorado State University Global (CSU Global)

CSU Global charges approximately $350 per credit for undergraduate programs with a flat nationwide rate.

The school accepts FAFSA and provides federal aid plus institutional scholarships. A tuition guarantee locks your rate from enrollment through graduation.

CSU Global distinguishes itself through transparent pricing with no hidden fees. Popular programs focus on business, information technology, project management, and public service.

The school also offers some competency-based options for students who want to accelerate their progress.

7. Grand Canyon University Online (GCU Online)

GCU Online typically charges $395 to $470 per credit for undergraduate programs, depending on the specific program.

Students can use FAFSA to access federal grants and loans, plus GCU institutional grants. The school also coordinates with employers and military benefits.

GCU is a Christian university offering faith-based education across business, education, healthcare, and theology programs.

Classes follow structured eight-week terms with regular interaction with instructors and classmates.

8. Baker College Online

Many online bachelor’s programs at Baker College cost around $450 to $550 per credit.

The school accepts FAFSA and offers need-based and merit institutional aid, along with Pell Grants and federal loans.

Baker focuses on career-oriented programs in business, healthcare, and information technology.

The school serves primarily working adults in the Midwest and emphasizes practical skills that translate directly to workplace applications.

9. Saint Leo University Online

Saint Leo typically charges $400 to $500 per credit for online undergraduate programs.

FAFSA is accepted, and the school provides institutional scholarships plus discounts for military members and working adults.

Saint Leo is a Catholic liberal arts university with particularly strong ties to the military community. Business, criminal justice, and psychology programs are popular.

The school maintains Catholic values while serving students of all backgrounds.

10. Bradley University Online

Online undergraduate and degree-completion programs at Bradley typically range from $500 to $700 per credit, varying by program.

Students can use FAFSA to access federal aid, and Bradley offers limited institutional scholarships for online learners.

Bradley focuses heavily on online graduate programs, particularly in nursing, counseling, and education.

If you’re looking for an advanced degree in healthcare or education, Bradley’s online programs maintain strong clinical and practicum components.

11. Penn State World Campus

Many online bachelor’s programs at Penn State World Campus charge approximately $671 per credit.

The school accepts FAFSA and provides grants, loans, work-study, and some Penn State scholarships specifically designated for online learners.

Penn State World Campus offers over 200 online programs and brings a long history in distance education, plus a strong alum network.

The Penn State name carries significant recognition, which can help with job applications and graduate school admissions.

12. Oregon State University Ecampus

Many online bachelor’s programs at Oregon State cost $350 to $420 per credit plus fees.

Students can use FAFSA to access federal aid and Oregon State scholarships, including limited need-based Ecampus grants for FAFSA filers.

Oregon State offers particularly strong online programs in environmental sciences, agriculture, business, and forestry.

If you want a science-focused degree or niche technical program, Oregon State’s Ecampus provides quality options with good instructional design.

13. University of Central Florida Online (UCF Online)

Online tuition at UCF is competitive with in-state rates, with many programs charging approximately $179 per credit plus fees for Florida residents.

UCF accepts FAFSA and provides UCF grants, federal aid, and Florida state programs. The priority FAFSA deadline is December 1.

UCF Online is a large public research university with robust online degree options. Florida residents benefit from both low base tuition and the ability to layer state aid programs.

Popular online programs include business, hospitality, nursing, and criminal justice.

14. Fayetteville State University Online (FSU Online)

Through the NC Promise program, FSU charges approximately $41.67 per credit for North Carolina residents and $104.17 per credit for out-of-state students taking online courses.

FSU accepts FAFSA, and the NC Promise initiative drastically reduces tuition. Additional institutional and state aid is available to eligible students.

FSU is a historically Black university (HBCU) offering some of the lowest online tuition in the country. For a 120-credit bachelor’s degree, in-state students pay around $5,000 in tuition.

Even out-of-state students pay only about $12,500. Strong programs include business, criminal justice, and education.

15. American Public University (APU)

APU typically charges $285 per credit for undergraduate programs, with military members paying around $250 per credit.

The school accepts FAFSA and provides federal aid, along with extensive military tuition discounts and some scholarships for public-service fields.

APU was designed primarily for military members, veterans, and public service professionals. Programs in homeland security, intelligence studies, criminal justice, and emergency management are particularly strong.

The school understands military deployment schedules and offers flexible policies.

16. Liberty University Online

Many online bachelor’s programs at Liberty cost $390 to $455 per credit.

Liberty accepts FAFSA and provides federal aid, Liberty institutional grants, and substantial military discounts.

Liberty operates one of the largest online Christian universities in the country.

Programs span from associate through doctoral levels in areas including ministry, business, education, and healthcare. Classes follow eight-week terms with multiple start dates each year.

17. Purdue University Global

Undergraduate tuition at Purdue Global typically runs $315 to $420 per credit.

Students can use FAFSA to access federal aid, and Purdue Global offers scholarships specifically for adult learners and military members.

Purdue Global serves working adults who need flexible bachelor’s and master’s programs.

Some programs accept significant prior learning credit, which can reduce the number of courses you need to complete. Strong offerings include business, information technology, and criminal justice.

18. Capella University

Capella offers both GuidedPath and FlexPath learning models, with many courses equivalent to $350 to $500 per credit.

The school accepts FAFSA for degree programs and provides federal loans and grants, plus limited institutional scholarships and employer partnerships.

Capella’s FlexPath model allows competency-based, self-paced learning similar to WGU.

GuidedPath follows more traditional term structures. Popular programs include business, information technology, and psychology. Most students are working professionals.

19. Walden University

Tuition varies at Walden, with many undergraduate programs in the $335 to $500+ per credit range.

Walden is a Title IV school that accepts FAFSA, providing access to Pell Grants and federal loans. The school code is 025042.

Walden focuses heavily on graduate education, particularly in education, public health, counseling, and social work.

If you’re pursuing an advanced degree in a helping profession, Walden offers numerous specialized programs with practicum and internship support.

20. University of Phoenix Online

Many online undergraduate programs at the University of Phoenix range from $398 to $540 per credit.

Phoenix accepts FAFSA and provides Pell Grants, loans, and institutional scholarships. The school frequently helps students maximize transfer credits to reduce costs.

University of Phoenix pioneered large-scale online education. Classes follow accelerated five- or six-week formats.

Adult learners appreciate frequent start dates and structured coursework.

Always review graduation rates and student loan default data before deciding, as outcomes vary by campus and program.

50 Online Colleges That Accept Financial Aid (FAFSA)

Online College (FAFSA-Eligible)	Typical Online Undergrad Tuition*	Financial Aid Snapshot (FAFSA, grants, etc.)	Notable for / Extra Context
University of Maryland Global Campus (UMGC)	~$324/credit in-state, $499/credit out-of-state, military ~$250/credit	Accepts FAFSA; federal grants/loans, work-study, military TA; transfer-friendly with up to 90 transfer credits.	Large fully online public institution; strong for IT, cyber, business; very military-friendly.
University of Florida Online (UF Online)	~$129/credit (tuition + fees for FL residents online)	FAFSA accepted; students can receive Pell Grants, loans, state grants (e.g., Florida Bright Futures) if eligible.	Highly ranked flagship “online campus” with low in-state pricing and strong brand value.
Colorado State University Global (CSU Global)	~$350/credit undergrad (flat nationwide rate)	Accepts FAFSA; federal aid + institutional scholarships; tuition guarantee locks rate from enrollment to graduation.	Known for transparent pricing, competency-based options, and working-adult focus.
Penn State World Campus	~$671/credit (many online bachelor’s)	FAFSA-eligible; grants, loans, work-study; some Penn State scholarships specifically for online learners.	Over 200 online programs; long history in distance education; strong alumni network.
Arizona State University (ASU Online)	Undergrad base tuition roughly $6,800+/yr AZ resident, $32k+/yr non-resident (ranges by program)	Accepts FAFSA; Pell Grants, Direct Loans, institutional merit/need-based aid for eligible online students.	Very large catalog of 300+ online programs; strong support for transfer and military students.
Saint Leo University (Online)	Often $400–$500/credit for online undergrad (typical range; check current rate)	FAFSA-eligible; institutional scholarships and discounts for military and working adults.	Catholic liberal-arts focus; long-running online programs, especially in business and criminal justice.
Bradley University (Online)	Online undergrad/degree-completion often $500–$700/credit (varies by program)	Accepts FAFSA; offers federal aid plus limited institutional scholarships for online learners.	Especially known for online graduate and nursing programs; smaller but reputable.
Baker College (Online)	Many online bachelor’s around $450–$550/credit	FAFSA-eligible; need-based and merit institutional aid; Pell and federal loans available.	Career-oriented programs (business, health sciences); heavy focus on online flexibility.
Southern New Hampshire University (SNHU)	Widely advertised at ~$330/credit (120-credit bachelor’s)	Accepts FAFSA; Pell, loans, and SNHU grants/discounts; many online students receive some institutional aid.	Extremely popular fully online provider; strong support for adult/returning students.
Grand Canyon University (GCU Online)	Online tuition commonly $395–$470/credit undergrad (program-dependent)	FAFSA-eligible; federal grants/loans plus GCU grants; also works with employer and military benefits.	Large Christian university with extensive online catalog and education/business programs.
Purdue University Global	Undergrad tuition often $315–$420/credit	Accepts FAFSA; federal aid plus Purdue Global scholarships for adult learners and military.	Built for working adults; credit for prior learning; strong business, IT, and criminal justice options.
University of Phoenix (Online)	Many online undergrad programs ~$398–$540/credit	FAFSA-eligible; Pell, loans, institutional scholarships; frequent transfer-credit maximization to cut costs.	One of the earliest large-scale online universities; accelerated courses and frequent start dates.
Rush University (Online)	Tuition varies; many online/health programs $800–$1,000+ per credit	FAFSA accepted; grad-level federal loans, limited institutional scholarships; often employer tuition assistance for nurses.	Specializes in health science and nursing programs with strong clinical reputations.
American Public University (APU)	Undergrad often $285/credit, military $250/credit (typical)	Accepts FAFSA; federal aid; extensive military tuition discounts; some scholarships for public-service fields.	Very military-friendly; strong programs in homeland security, intelligence, and public service.
Capella University	FlexPath & GuidedPath models; many courses $350–$500/credit equivalent	FAFSA-eligible; federal loans/grants for degree programs; limited institutional scholarships and employer partnerships.	Known for competency-based FlexPath degrees; big focus on working professionals.
Maryville University Online	Undergrad online often $500–$600/credit	Accepts FAFSA; institutional scholarships, need-based aid, and federal aid packages for eligible students.	Strong in business, cyber security, and health fields; all-online bachelor’s and master’s.
Utica University (Online)	Many online bachelor’s $400–$500/credit; grad higher	95%+ of students receive some financial aid; FAFSA plus institutional grants, including for online nursing/cybersecurity.	Noted for cyber, fraud & economic crime, and nursing programs delivered online.
Western Governors University (WGU)	Flat term-based tuition (e.g., many programs $3,500–$4,500 per 6-month term)	FAFSA-eligible; Pell, loans; WGU scholarships; students can save by completing more courses per term.	Competency-based; very popular with working adults in IT, business, education, and health.
Strayer University (Online)	Many online courses around $390–$450/credit	Accepts FAFSA; federal aid plus Strayer scholarships and employer partnership discounts.	Long-standing adult-focused online university with flexible scheduling.
Seton Hall University (Online)	Online undergrad/degree-completion often $600–$900/credit	FAFSA-eligible; federal aid plus limited institutional scholarships for online/business programs.	Catholic university; strong reputation in business, law, and diplomacy.
Florida Institute of Technology (Florida Tech Online)	Online bachelor’s often $510–$600/credit	Accepts FAFSA; federal grants/loans; some institutional scholarships and corporate partner discounts.	Known for STEM, aviation, and tech-focused online degrees.
University of Arizona Global Campus	Undergrad tuition often $510–$530/credit	FAFSA-eligible; Pell, loans; institutional grants such as tuition savings for military and corporate partners.	Fully online campus focused on adult learners with generous transfer-credit policies.
Excelsior University (formerly Excelsior College)	Many courses $410–$510/credit, plus fees	Accepts FAFSA; federal aid; transfer-friendly; institutional scholarships for nursing, military, and adult learners.	Expertise in degree-completion for adults; big use of transfer/exam credit.
Lewis University (Online)	Typical online undergrad $500–$650/credit	FAFSA-eligible; institutional scholarships; federal grants/loans for part-time and full-time online students.	Catholic university; strong in aviation, business, and criminal justice.
California Baptist University (CBU Online)	Online per-unit often $547–$613/credit (varies by program)	Accepts FAFSA; federal aid plus CBU grants and Christian-college scholarships.	Christian university with many accelerated online bachelor’s for working adults.
St. John’s University (Online)	Many online programs $600–$900/credit	FAFSA-eligible; grants, need-based aid; some scholarships open to online students.	Reputable Catholic university; strong business, taxation, and education programs online.
Benedictine University (Online)	Typical $500–$650/credit	Accepts FAFSA; federal aid and Benedictine scholarships for eligible online learners.	Known for business, public health, and management degrees online.
Our Lady of the Lake University (Online)	Online undergrad often $425–$575/credit	FAFSA-eligible; federal aid plus need-based institutional grants; some programs support bilingual/Latino students.	Catholic, Hispanic-serving institution; strong in social work and counseling.
Widener University (Online)	Often $500–$800/credit for online programs	Accepts FAFSA; grants, loans, and limited scholarships for online nursing/business programs.	Reputable mid-sized university; popular online nursing and business degrees.
Lasell University (Online)	Many online bachelor’s $475–$600/credit	FAFSA-eligible; institutional scholarships and need-based aid; federal aid for part-time and full-time.	Known for communication, fashion, and business; career-focused programs.
Walsh University (Online)	Typical $500–$650/credit	Accepts FAFSA; grants/loans and Catholic-college scholarship funds.	Christian liberal-arts university; strong online business and nursing programs.
Anna Maria College (Online)	Many online courses $400–$600/credit	FAFSA-eligible; federal aid plus targeted scholarships (e.g., for public service majors).	Known for criminal justice, fire science, and emergency management online.
Columbia Southern University	Often $250–$270/credit undergrad	Accepts FAFSA at the institutional level (Title IV-participating degree programs); also offers military and employer discounts.	Low-cost, fully online; strong in occupational safety, fire science, and business.
Fayetteville State University (Online)	NC Promise: ~$41.67/credit in-state, $104.17/credit out-of-state online	Accepts FAFSA; NC Promise drastically reduces tuition; additional institutional/state aid available.	One of the cheapest online FAFSA schools; HBCU; strong for business, CJ, and education.
Northwest Florida State College (Online)	~$91.79/credit in-state, $92.79/credit out-of-state online	FAFSA-eligible; low tuition plus institutional scholarships; Pell Grants can cover a large share of costs.	Very low per-credit cost; good for AA/AS degrees and some bachelor’s.
Georgia Highlands College (Online)	~$105/credit in-state, $411/credit out-of-state	Accepts FAFSA; institutional scholarships; state HOPE/Zell Miller grants for eligible GA residents.	Affordable entry point into University System of Georgia online pathways.
Middle Georgia State University (Online)	Flat ~$174/credit for online, regardless of residency	FAFSA-eligible; state HOPE grant/scholarship; institutional and federal aid for online students.	Good value in aviation, IT, and business; all-online options for adults.
Eastern New Mexico University (Online)	~$174.75/credit in-state, $257.25/credit out-of-state	Accepts FAFSA; institutional scholarships plus state grants; very low tuition for many online majors.	Strong affordability for business, education, and social sciences online.
Sterling College (Online)	~$175/credit for many online programs	FAFSA-eligible; 100% of students recently received some institutional aid; also accepts private and federal aid.	Christian college; unusually high proportion of students receiving scholarships.
Valdosta State University (Online)	~$187/credit for fully online students	Accepts FAFSA; institutional aid plus state grants; same online price for all U.S. states.	Affordable regional public with solid online business and education programs.
Wayne State College (Online)	~$201/credit	FAFSA-eligible; institutional and state grants; Pell and loans widely used by undergrads.	Very low tuition; good for education and business online degrees.
Coppin State University (Online)	~$217/credit	Accepts FAFSA; offers many institutional scholarships plus federal aid.	HBCU with online nursing and limited bachelor’s programs; strong on access/affordability.
Great Basin College (Online)	~$216/credit in-state, $320.25/credit out-of-state	FAFSA-eligible; scholarships and work-study; very low tuition for Nevada residents.	Small rural college with online options in nursing, human services, and more.
Liberty University Online	Many online bachelor’s $390–$455/credit	Accepts FAFSA; Liberty grants, federal aid, and substantial military discounts.	Large Christian university; wide online catalog; strong military and ministry programs.
Oregon State University Ecampus	Many online bachelor’s $350–$420/credit plus fees	FAFSA-eligible; federal aid and OSU scholarships; limited need-based Ecampus grants for FAFSA filers.	Highly ranked online programs with strong STEM and environmental offerings.
University of Central Florida (UCF Online)	Online tuition competitive with in-state; many programs ~$179/credit + fees for FL residents	Accepts FAFSA; UCF grants, federal aid, and Florida state programs; priority FAFSA date Dec 1.	Large public research university with robust online degrees and strong state aid layering.
Old Dominion University (ODU Online)	Online undergrad commonly $360–$420/credit	FAFSA-eligible; federal and state aid; ODU notes FAFSA priority dates and summer aid request process.	Early mover in online learning; good for engineering tech, business, and education.
UMass Global (formerly Brandman University)	Many online bachelor’s $500–$600/credit	Accepts FAFSA; federal aid plus UMass Global scholarships; step-by-step FAFSA guidance and financial aid handbook.	Built for working adults; flexible term structures and strong education/business programs.
Walden University	Tuition varies; many undergrad programs in $335–$500+/credit range	FAFSA-eligible; Title IV school with Pell and loans; detailed FAFSA instructions and school code 025042.	Large online graduate and bachelor’s provider, especially in education and health.
University of North Texas (UNT – online programs)	Many online bachelor’s $330–$400/credit for TX residents	Accepts FAFSA and TASFA; federal aid plus Texas grants; UNT strongly encourages every student to file FAFSA annually.	Big public research university with growing online offerings (education, business, applied arts & sciences).

Best Schools by Student Type and Major

Different students have different needs. Here’s how to narrow your list based on your situation.

Best for Low Net Price

If minimizing cost is your top priority, focus on public schools with low base tuition:

Fayetteville State University stands out with in-state tuition of around $42 per credit through NC Promise. Even out-of-state students pay only about $104 per credit.

Northwest Florida State College charges approximately $92 per credit for both in-state and out-of-state online students, making it accessible nationwide.

UF Online provides flagship university quality at roughly $129 per credit for Florida residents, and eligible students can stack Florida Bright Futures with federal aid.

Georgia public colleges, including Georgia Highlands and Middle Georgia State, offer competitive rates, with some charging flat rates regardless of residency.

Always run the net price calculator at each school. A higher sticker price might result in lower out-of-pocket costs if the school provides generous institutional grants.

Best for Business Programs

Popular business schools among online students include:

• Arizona State University Online (W.P. Carey School of Business)
• Penn State World Campus (Smeal College of Business)
• Southern New Hampshire University
• Colorado State University Global
• Liberty University Online

Look for AACSB accreditation in business programs when possible. This specialized accreditation signals quality and may help with MBA admissions or career advancement.

Best for IT and Cybersecurity

Information technology and cybersecurity programs with strong reputations include:

• University of Maryland Global Campus
• Western Governors University
• Purdue University Global
• Capella University
• Utica University Online

Many IT programs accept industry certifications for credit. If you already hold CompTIA, Cisco, or Microsoft certifications, some schools will reduce the courses you need to complete.

Best for Healthcare Programs

Healthcare offerings vary significantly by school:

Nursing (RN to BSN): Penn State World Campus, Bradley University Online, Walden University, Chamberlain University

Health Administration: University of Phoenix, Southern New Hampshire University, Purdue University Global

Public Health: Walden University, Oregon State Ecampus, University of South Florida

Allied Health: Baker College Online, Herzing University Online

Clinical healthcare programs require hands-on components. Make sure the school can arrange clinical placements near where you live, or verify you can arrange your own sites with school approval.

Best for Education and Teaching

If you’re pursuing teaching credentials or education degrees:

• Arizona State University Online (Mary Lou Fulton Teachers College)
• Penn State World Campus
• Walden University
• Liberty University Online
• Western Governors University

Teaching programs must meet your state’s licensure requirements. Not all online programs prepare you for every state’s certification.

Confirm the school’s program aligns with the requirements where you plan to teach before enrolling.

Best for Military and Veterans

Schools with particularly strong military support include:

University of Maryland Global Campus was founded to serve military members and maintains deep relationships with all service branches.

American Public University was built specifically for military, intelligence, and public safety professionals.

Southern New Hampshire University offers clear coordination between FAFSA, GI Bill, and Tuition Assistance.

Liberty University provides substantial military discounts and understands deployment schedules.

Western Governors University accepts military training for credit and charges flat per-term tuition that benefits students using military education benefits.

Look for schools participating in Yellow Ribbon programs if you’re using Post-9/11 GI Bill benefits. Yellow Ribbon funding can cover tuition costs that exceed the GI Bill’s maximum benefit.

Understanding the FAFSA Process for Online Students

The Free Application for Federal Student Aid (FAFSA) is your gateway to federal grants, loans, and work-study. Online students follow the same process as campus-based students.

Key Steps to Complete Your FAFSA

Create your FSA ID first. This username and password combination serves as your legal signature on the FAFSA. Both students and parents (for dependent students) need separate FSA IDs. Create yours at StudentAid.gov.

Gather tax information. The FAFSA uses income from two years prior. For the 2026–2027 school year, you’ll report income from your 2024 tax return. The IRS Data Retrieval Tool can automatically import your tax information, reducing errors.

Complete the online form. The 2026–2027 FAFSA opened on December 1, 2025. Visit StudentAid.gov to file. The form takes most people 30 to 60 minutes to complete.

List your schools. You can list up to ten schools on the initial FAFSA submission. Your information gets sent to all schools you list. They’ll each calculate your aid package based on your Student Aid Index (SAI) and their available funding.

Review your SAI. Previously called Expected Family Contribution (EFC), your Student Aid Index determines your eligibility for need-based aid. Lower numbers indicate a higher need.

Watch for award letters. Each school sends an award letter showing what aid they’re offering. Compare these carefully—grants don’t need repayment, while loans do.

Important Deadlines for 2026–2027

The federal FAFSA deadline for the 2026–2027 academic year is June 30, 2027. However, many states and schools use much earlier priority deadlines.

State deadlines matter. Some states award grants on a first-come, first-served basis. Filing early—ideally by January or February 2026—maximizes your chances of receiving state aid.

School priority dates vary. Many colleges set priority deadlines between February and April. Aid applications received after priority dates may receive less funding.

File annually. You must complete a new FAFSA every year you attend school. Set a reminder to file as soon as the form opens each December.

Common FAFSA Questions for Online Students

Does FAFSA cover online classes? Yes, absolutely. As long as your school participates in Title IV federal aid programs and your specific program is eligible, you can use federal aid for online courses. The format of instruction doesn’t affect eligibility.

Can part-time students get financial aid? Yes, but amounts may be reduced. Pell Grants are prorated based on enrollment level. If you’re taking six credits per term instead of twelve, your Pell Grant will be roughly half of what a full-time student receives. Loan limits also adjust based on enrollment intensity.

Do online certificate programs qualify for aid? Sometimes. Certificate programs must meet specific requirements to be aid-eligible. The program typically needs to:

• Be at least 16 credit hours or 600 clock hours
• Lead to a credential in a recognized occupation
• Be offered by a school with valid Title IV participation

Short professional development courses and non-credit certificates usually don’t qualify. Always confirm your specific certificate program’s aid eligibility before enrolling.

What if I haven’t filed taxes? The FAFSA includes guidance for students and families who don’t file tax returns. You’ll manually enter income information instead of using the IRS Data Retrieval Tool. Bring documentation of all income sources.

Can I use FAFSA if I’m not a U.S. citizen? Eligibility depends on your status. U.S. citizens, permanent residents, and certain eligible non-citizens can file FAFSA. DACA recipients and undocumented students cannot file FAFSA, but may qualify for state or institutional aid at some schools.

Types of Federal Financial Aid for Online Students

Federal aid comes in several forms, each with different requirements and obligations.

Pell Grants

Pell Grants provide need-based aid that doesn’t require repayment. For the 2025–2026 award year, the maximum Pell Grant is $7,395. Your actual award depends on your Student Aid Index, cost of attendance, and enrollment level.

Pell Grants work the same way for online students as for campus students. Part-time students receive prorated amounts. You can receive Pell Grant funding for up to twelve semesters (or the equivalent).

Direct Subsidized and Unsubsidized Loans

Federal Direct Loans provide low-interest borrowing for students. Two types exist:

Subsidized loans are need-based. The government pays interest while you’re in school at least half-time. Dependent undergraduate students can borrow up to $3,500 their first year, $4,500 their second year, and $5,500 each subsequent year.

Unsubsidized loans are available regardless of financial need. Interest accrues while you’re in school. Independent students and dependent students whose parents don’t qualify for PLUS loans can borrow higher amounts—up to $9,500 the first year, $10,500 the second year, and $12,500 each subsequent year.

Interest rates for undergraduate Direct Loans disbursed between July 1, 2024, and June 30, 2025, are 5.50%. Rates adjust annually based on the 10-year Treasury note.

PLUS Loans

Parent PLUS Loans help parents of dependent undergraduate students cover remaining costs after other aid. Graduate students can also take Graduate PLUS Loans.

PLUS Loans require a credit check and carry higher interest rates than Direct Loans—currently 8.05% for loans disbursed between July 1, 2024, and June 30, 2025.

Federal Work-Study

Work-study provides part-time jobs for students with financial need. Most online schools don’t offer work-study since remote work opportunities are limited. Some schools have created virtual work-study positions, but availability is much lower than at traditional campuses.

State and Institutional Aid for Online Students

Beyond federal aid, many students qualify for state grants and school-based scholarships.

State Grant Programs

Many states restrict aid to residents attending in-state schools. Some examples:

Florida Bright Futures provides merit-based scholarships to Florida students attending Florida colleges. Online students at UF Online, UCF Online, and other Florida schools can receive these funds.

Georgia’s HOPE Scholarship and Zell Miller Scholarship help Georgia residents attending Georgia schools. Students at Georgia Highlands College Online, Middle Georgia State University Online, and other Georgia institutions can access these programs.

Texas grants, including the Texas Public Educational Grant (TPEG), help students at Texas public colleges and universities, including those taking online classes.

Not all states extend aid to online programs. Contact your state’s higher education agency to verify whether online attendance affects your eligibility for state grants.

Institutional Scholarships and Grants

Many schools offer their own scholarships and grants beyond federal aid. These funds come from the school’s budget, endowments, and donor contributions.

Merit scholarships reward academic achievement, typically based on high school GPA or test scores. Some schools automatically consider all applicants, while others require separate scholarship applications.

Need-based institutional grants supplement federal aid for students with financial need. Private colleges like Southern New Hampshire University and Liberty University often provide significant institutional aid packages.

Population-specific scholarships target particular groups, such as:

• Military members and veterans
• Working adults returning to school
• Students in specific majors (nursing, teaching, STEM)
• Members of underrepresented groups

Always check each school’s scholarship page and ask the financial aid office about opportunities. Many institutional scholarships go unused simply because students don’t know they exist.

Practical Strategies to Lower Your Net Cost

Smart students use multiple strategies to reduce what they actually pay for their degree.

Start at the Community College

Beginning at an online community college can dramatically reduce total degree costs. Northwest Florida State College charges approximately $91.79 per credit for in-state students and $92.79 per credit for out-of-state online students.

Complete your general education requirements for under $6,000, then transfer to a four-year school.

This approach works best when you:

• Verify transfer agreements between your community college and the target university
• Meet regularly with advisors at both schools
• Take courses that will definitely transfer
• Maintain the GPA required for transfer admission

Maximize Transfer Credits

Most schools that accept financial aid also accept transfer credits from accredited institutions. UMGC accepts up to 90 transfer credits, meaning you could potentially transfer three-quarters of your bachelor’s degree.

Transferring credits reduces:

• Total tuition paid
• Time to graduation
• Total loan amounts

Before enrolling anywhere, get a transfer evaluation showing exactly which courses will count toward your degree. This prevents surprises later.

Test Out of Courses

Some schools accept credit-by-examination through programs like:

• CLEP (College-Level Examination Program)
• DSST (DANTES Subject Standardized Tests)
• AP (Advanced Placement) exams
• Challenge exams offered directly by the school

Each exam costs $90 to $120, but it can replace a $1,200+ course. If you know from work experience, testing out saves substantial money.

Western Governors University and some other competency-based schools build this approach directly into their model, allowing you to demonstrate mastery rather than sitting through courses covering material you already know.

Attend Full-Time When Possible

Federal student aid formulas often favor full-time students. Taking twelve or more credits per term instead of six typically means:

• Higher Pell Grant amounts
• Access to larger loan limits
• Faster degree completion (reducing total costs)

If work or family responsibilities prevent full-time study, part-time attendance is absolutely valid. Just understand you may need more total years to graduate, which can increase cumulative costs despite lower per-term tuition.

Apply for Outside Scholarships

Thousands of private scholarships exist beyond what schools and governments offer. While individual awards may be small ($500 to $2,000), several awards can significantly reduce borrowing.

Focus on scholarships matching your specific situation:

• Professional associations in your field
• Employer tuition assistance
• Community foundations in your area
• Religious or fraternal organizations
• Scholarships for adult students or parents

Start searching at sites like:

• Scholarships.com
• Fastweb.com
• Your school’s scholarship database
• Your state’s higher education agency

Set aside time each week for scholarship applications during your first semester. The work pays off.

Use Employer Tuition Benefits

Many employers offer tuition reimbursement as a benefit. Policies vary widely—some cover a few thousand dollars per year, others cover full tuition if you attend specific partner schools.

Before accepting employer assistance:

• Understand service obligations (many require you to stay with the company for one to three years after receiving benefits)
• Clarify whether benefits are taxable.
• Determine whether you must pay up front and seek reimbursement, or if the employer pays directly.
• Learn what happens if you leave the company or are terminated.

Employer benefits typically don’t affect your federal aid eligibility, but schools may reduce their institutional aid if outside resources cover your costs.

Military Education Benefits and FAFSA

Service members, veterans, and military families have access to education benefits beyond FAFSA.

Combining Military Benefits with Federal Aid

Many students wonder whether they should file FAFSA if they have GI Bill benefits or Tuition Assistance. The answer is usually yes.

Tuition Assistance (TA) covers active-duty service members’ tuition while they serve, typically up to $250 per credit hour and $4,500 per year. TA doesn’t cover books, fees, or living expenses. Filing FAFSA allows you to:

• Receive Pell Grants for living expenses
• Get federal loans if TA doesn’t cover full tuition
• Qualify for school scholarships requiring FAFSA submission

The GI Bill provides comprehensive education benefits to veterans. The Post-9/11 GI Bill covers tuition, housing allowances, and books. Even with GI Bill benefits, filing FAFSA makes sense because:

• Some schools offer scholarships only to FAFSA filers
• You might want to save G

I Bill benefits for graduate school

• Pell Grants (if eligible) don’t reduce GI Bill benefits—you get both
• Federal Work-Study can provide extra income

The Yellow Ribbon Program helps cover costs exceeding the GI Bill’s maximum. Not all schools participate, and participation levels vary.

Schools like the University of Maryland Global Campus, American Public University, and Southern New Hampshire University actively participate in Yellow Ribbon.

Best Practices for Military Students

File FAFSA even with military benefits. You might qualify for Pell Grants or other aid that stacks with military benefits.

Understand disbursement timing. Military benefits and federal aid follow different payment schedules. Make sure you understand when each payment arrives to avoid gaps.

Use all six years of GI Bill eligibility wisely. Once benefits expire, they’re gone. Consider using Tuition Assistance first, saving GI Bill benefits for after you leave active duty when TA is no longer available.

Choose military-friendly schools. Look for schools with:

• Military student services offices
• Flexible withdrawal policies for deployment
• Clear coordination between financial aid and VA benefits offices
• No penalties for military-related absences

Verify your GI Bill eligibility and remaining entitlement at the VA’s website before enrolling. Understanding exactly how many months of benefits you have left prevents surprises mid-degree.

Comparing Aid Packages from Multiple Schools

Award letters can look confusing. Here’s how to compare them accurately.

Understanding Your Award Letter

Each school sends an award letter (also called a financial aid package) showing:

• Your cost of attendance
• Expected Family Contribution or Student Aid Index
• Grants and scholarships (free money)
• Work-study eligibility
• Federal loans offered
• Your remaining balance

Focus on grants first. These don’t require repayment. Schools might list them as:

• Pell Grant
• Federal Supplemental Educational Opportunity Grant (FSEOG)
• State grant (varies by state)
• Institutional grant or scholarship

Evaluate loan amounts carefully. Federal Direct Loans appear with interest rates and repayment terms. Consider:

• Total you’ll borrow across all years
• Monthly payment after graduation
• Whether subsidized (government pays interest while in school) or unsubsidized (interest accrues immediately)

Check work-study separately. Work-study is potential earnings, not guaranteed money. You must find a qualifying job and work hours to receive these funds.

Creating a True Comparison Table

Build a simple spreadsheet comparing schools:

ItemSchool ASchool BSchool C

Tuition & Fees $12,000 $18,000 $9,600

Books & Supplies $1,200 $1,500 $1,000

Housing estimate (living expenses) $8,000 $8,000 $8,000

Total Cost of Attendance $21,200 $27,500 $18,600

Pell Grant -$6,000 -$6,000 -$6,000

State Grant -$2,000 $0 -$1,500

School Grant/Scholarship -$4,000 -$8,000 -$1,000

Total Free Aid -$12,000 -$14,000 -$8,500

Work-Study (potential) -$2,000 -$1,500 $0

Net Price Before Loans $7,200 $12,000 $10,100

Subsidized Loans Offered $3,500 $3,500 $3,500

Unsubsidized Loans Offered $2,000 $6,000 $2,000

Final Out-of-Pocket Gap $1,700 $2,500 $4,600

This format reveals the actual cost difference. School B has the highest sticker price, but generous institutional aid brings the net price to the middle. School C has low tuition but minimal school-based aid.

Don’t just look at tuition numbers. A school advertising low tuition but offering minimal aid might cost more than a school with higher tuition but generous grants.

Questions to Ask Financial Aid Offices

Before accepting an award package:

Is this aid renewable? Some scholarships only apply to your first year. Confirm whether grants continue as long as you maintain satisfactory academic progress.

What GPA must I maintain? Many scholarships require maintaining a 3.0 or higher GPA. Understand requirements before accepting.

How does aid adjust if I’m part-time in some terms? If work or family circumstances force you to drop to part-time, understand how that affects your aid package.

Can I appeal for more aid? If your financial circumstances changed after filing FAFSA, you may qualify for additional assistance. Job loss, medical expenses, or other hardships warrant appeals.

What happens to unused aid? If grants and loans exceed your tuition and fees, the school issues a refund. Understand the refund timeline and whether you can use excess aid for a laptop, internet service, or other education-related expenses.

Special Considerations for Different Student Populations

Online students come from diverse backgrounds. Here’s specific guidance for common situations.

Working Adults and Career Changers

If you’re returning to school after years in the workforce:

File FAFSA regardless of your income. Many working adults assume they won’t qualify for aid. You might qualify for unsubsidized loans even if your income is too high for Pell Grants. Some schools also offer institutional aid regardless of federal aid eligibility.

Look for schools that recognize prior learning. Western Governors University, Purdue University Global, and Excelsior University assess work experience and professional credentials for academic credit.

Consider competency-based programs. If you’re knowledgeable in your field, competency-based schools let you progress quickly through familiar material, potentially finishing your degree faster and cheaper.

Seek grants specifically for adult learners. Search for “grants for adults going back to school” plus your state name. Some states and foundations target returning students.

Investigate employer tuition benefits. Many employers offer education assistance you might not know about. Check with human resources.

Choose asynchronous programs. Look for schools offering asynchronous online courses where you complete work on your schedule rather than logging in at specific times. This flexibility matters when you’re working full-time.

Parents and Students with Childcare Responsibilities

Use cost of attendance adjustments. The cost of attendance includes an allowance for childcare in some cases. Contact your financial aid office to request a budget adjustment if you pay for childcare while attending classes.

Look for “scholarships for part-time students online.” Many parents can’t attend full-time. Scholarships specifically targeting part-time students help bridge the gap.

Consider schools with very flexible scheduling. Southern New Hampshire University, Western Governors University, and Capella University offer programs where you can adjust your pace term by term.

Students with Disabilities

Request accommodations early. All schools participating in federal aid programs must provide reasonable accommodations under the Americans with Disabilities Act. Contact disability services offices before enrolling to discuss your needs.

Assistive technology may be covered. Some students can use financial aid refunds to purchase assistive technology. Discuss this with financial aid and disability services.

Special education grants exist. Some organizations offer scholarships specifically for students with disabilities. Search disability-specific scholarship databases.

International Students

FAFSA is not available to international students unless you’re a permanent resident or an eligible non-citizen. However:

Some schools offer institutional aid to international students. Southern New Hampshire University, Purdue University Global, and some other schools provide limited scholarships.

Your home country might have programs—research education grants from your government for students studying abroad.

Employer sponsorship is common for international students. If you work for a multinational company, ask about tuition assistance for degree programs that benefit your role.

First-Generation College Students

If you’re the first in your family to attend college:

Seek additional support services. Many schools offer first-generation student programs with mentoring, tutoring, and guidance.

Don’t assume you can’t afford college. First-generation students often come from families with lower incomes, which typically means higher Pell Grant eligibility.

Apply for first-generation scholarships. Many organizations specifically support first-generation college students.

Use school resources. Academic advisors, financial aid counselors, and career services exist to help you. Ask questions freely—there are no stupid questions about navigating college.

Avoiding Financial Aid Mistakes and Scams

Financial aid processes create opportunities for both honest mistakes and deliberate scams.

Common FAFSA Mistakes to Avoid

Missing deadlines. Set calendar reminders for federal, state, and school-specific deadlines. Filing late costs thousands in lost grant money.

Skipping the FAFSA because you think you won’t qualify. Even families with substantial income may be eligible for unsubsidized loans or merit-based aid requiring FAFSA submission. Always file.

Providing inaccurate information. Mistakes can delay processing or trigger verification. Use the IRS Data Retrieval Tool to import accurate tax data.

Not listing all schools. You can add up to ten schools initially and change schools later. List every school you’re seriously considering so they all receive your data.

Forgetting to sign. Electronic signatures using your FSA ID are required. Both the student and the parent (for dependent students) must sign.

Using the wrong year’s form. For the 2026–2027 school year, use the 2026–2027 FAFSA that opened December 1, 2025. Don’t use the previous year’s form.

Red Flags for Financial Aid Scams

Any “guarantee” of aid or scholarships. No legitimate service can guarantee you’ll receive specific aid amounts or scholarships.

Requests for credit card or bank information. The FAFSA is always free and never asks for credit card numbers. Legitimate scholarship applications don’t charge application fees on credit cards.

Pressure to act immediately. Scammers create false urgency. Legitimate aid opportunities provide adequate time to research and apply.

Unsolicited offers. Be skeptical of emails, texts, or calls offering financial aid help you didn’t request.

“Federal Student Tax” or “FAFSA processing fees.” These don’t exist. The FAFSA is always free—that’s what the “F” stands for.

Requiring payment to access information. All federal student aid information is freely available at StudentAid.gov.

Protecting Your FSA ID

Your FSA ID is your legal signature. Anyone with your FSA ID can:

• Complete your FAFSA
• Sign loan documents
• Access your aid history

Never share your FSA ID with anyone except your parent if you’re a dependent student and they’re helping you complete the FAFSA. Financial aid counselors at your school don’t need your FSA ID—they can access your information through their official systems.

If you think someone else has your FSA ID, change your password immediately at StudentAid.gov.

The Future of Financial Aid for Online Learning

Online education continues evolving, and financial aid policies adapt alongside.

Recent Changes to FAFSA

The FAFSA Simplification Act, which began phasing in for the 2024–2025 aid year, makes several changes:

Student Aid Index (SAI) replaces Expected Family Contribution (EFC). The calculation changed, affecting who qualifies for aid. Some families see increased aid eligibility, others see decreased eligibility.

Fewer questions on the form. The new FAFSA has fewer than 50 questions for most students, down from over 100 previously.

Expansion of Pell Grant eligibility. More incarcerated individuals and recipients of federal means-tested benefits now qualify.

Changes to sibling consideration. The new formula doesn’t reduce the SAI when multiple family members attend college simultaneously. This particularly affects middle-income families with numerous students in college.

Growth in Competency-Based Education

More schools are launching competency-based programs where you prove mastery rather than spending set timeframes in courses. Financial aid rules for competency-based programs continue evolving.

Current competency-based options include:

• Western Governors University’s entire model
• Capella University’s FlexPath
• Purdue University Global’s ExcelTrack
• Colorado State University Global’s select programs
• Southern New Hampshire University’s College for America

These programs can reduce time to degree and total costs, but aid disbursement may work differently than traditional term-based programs. Always confirm how aid is distributed in competency-based formats.

Expansion of Short-Term Programs

The Department of Education has launched experimental programs allowing federal aid for some short-term certificate programs under 16 weeks. While still limited, this expansion helps students pursue high-demand workforce credentials.

When considering short programs:

• Verify the specific certificate is aid-eligible
• Understand that many short certificates still don’t qualify
• Research employment outcomes before enrolling
• Consider whether the certificate will help you reach your career goals

Real-World Cost Examples

Understanding abstract tuition numbers is difficult. Here are concrete examples showing total costs and likely aid for different student profiles.

Example 1: Florida Resident at UF Online

Student Profile: Recent high school graduate, parents’ income $55,000, living at home

Estimated Costs (120-credit bachelor’s degree):

• Tuition: $129/credit × 120 = $15,480
• Fees: approximately $2,000
• Books: approximately $4,800 ($1,200/year × 4 years)
• Technology: $1,000
• Total Direct Costs: $23,280

Estimated Aid:

• Pell Grant: ~$5,400/year × 4 years = $21,600
• Florida Bright Futures (assuming highest level): ~$3,300/year × 4 years = $13,200
• Total aid: $34,800

Net Result: This student would likely pay zero out-of-pocket and potentially receive refunds for living expenses. This scenario shows why UF Online ranks among the most affordable options for eligible Florida residents.

Example 2: Working Adult in Texas at UMGC

Student Profile: Age 32, independent student, income $42,000, transferring 45 credits

Estimated Costs (75 remaining credits to complete bachelor’s):

• Tuition: $499/credit × 75 = $37,425
• Fees: approximately $1,000
• Books: approximately $3,000
• Total Direct Costs: $41,425

Estimated Aid:

• Pell Grant (partial): ~$2,000/year × 2.5 years = $5,000
• UMGC scholarship: $2,000
• Total Free Aid: $7,000

Loans:

• Federal Direct Loans: ~$20,500 (maximum for 2.5 years as an independent student)

Out-of-Pocket Gap: $13,925 (could be covered through payment plans, employer assistance, or private loans)

This example shows that out-of-state tuition significantly increases costs, even with maximum federal aid. This student should explore employer tuition assistance or consider a lower-cost option like WGU, where residency doesn’t affect price.

Example 3: Military Member at American Public University

Student Profile: Active duty service member, income $48,000, no dependents, starting from scratch

Estimated Costs (120-credit bachelor’s degree):

• Tuition: $250/credit × 120 = $30,000
• Fees: minimal
• Books: approximately $4,800
• Total Direct Costs: $34,800

Estimated Aid:

• Tuition Assistance: $250/credit × 120 = $30,000 (covers full tuition)
• Pell Grant: ~$2,500/year × 4 years = $10,000 (for books and living expenses)
• Total aid: $40,000

Net Result: This service member would pay zero for tuition through TA, and Pell Grants would cover books plus provide some living expense support. This demonstrates why military-friendly schools offering tuition at or below the TA cap save service members significant money.

Example 4: Low-Income Student at Fayetteville State University

Student Profile: North Carolina resident, independent student, income $18,000, starting freshman

Estimated Costs (120-credit bachelor’s degree):

• Tuition: $41.67/credit × 120 = $5,000
• Fees: approximately $1,500
• Books: approximately $4,800
• Technology: $800
• Total Direct Costs: $12,100

Estimated Aid:

• Pell Grant: $7,395/year × 4 years = $29,580
• North Carolina state grants: ~$2,000/year × 4 years = $8,000
• FSU institutional aid: $2,000
• Total Free Aid: $39,580

Net Result: This student would have all costs covered with significant refunds for living expenses.

This scenario illustrates why Fayetteville State’s NC Promise pricing creates exceptional value for North Carolina residents from low-income backgrounds.

Frequently Asked Questions

Next Steps: Building Your School List

You now have comprehensive information about online colleges that accept financial aid. Here’s how to move forward.

Create Your Initial List

Start with 8–12 schools that match your interests:

• 2–3 “reach” schools (competitive or slightly above your typical qualifications)
• 4–6 “match” schools (good fit for your profile)
• 2–3 “safety” schools (you’re confident you’ll be admitted and can afford)

Consider including:

• At least one very low-cost option (community college or a school like Fayetteville State)
• At least one competency-based option if you want to move quickly (WGU, Capella FlexPath)
• Schools with strong programs in your intended major
• At least one school with particularly generous aid for students like you

Run Net Price Calculators

Visit each school’s website and complete their net price calculator. You’ll need:

• Your (or your parents’) income information
• Asset information
• Number of family members in college
• Your GPA and test scores, if applicable

The calculator provides estimated aid packages. These estimates aren’t guarantees, but they’re usually reasonably accurate for typical situations.

Compare Programs

Beyond finances, evaluate:

• Accreditation type and quality
• Program-specific accreditation (AACSB for business, ACEN or CCNE for nursing, ABET for engineering)
• Faculty credentials in your major
• Student support services (tutoring, career services, technical support)
• Course format (synchronous vs. asynchronous, term length, flexibility)
• Graduation rates for online students
• Job placement rates in your field
• Alum network and career outcomes

Search “[school name] + College Scorecard” to find federal data on graduation rates, graduate earnings, and student loan default rates.

Apply and Compare Award Letters

Apply to your top schools. When award letters arrive:

• Create a comparison spreadsheet like the example shown earlier
• Focus on total free aid (grants and scholarships)
• Calculate actual out-of-pocket costs
• Consider the loan amounts you’ll accumulate across all years
• Factor in graduation rates (a cheaper school where you’re unlikely to graduate isn’t actually cheaper)

Make Your Decision

Choose the school offering the best combination of:

• Affordability (lowest net price with reasonable loan amounts)
• Program quality (accreditation, faculty, career outcomes)
• Fit (schedule flexibility, support services, learning format that matches your needs)

Remember that the “best” school varies by person. A working parent might prioritize flexibility over prestige. A traditional student might value graduation rate and job placement statistics. Someone changing careers might focus on a specific program strength.

Additional Resources

Official Federal Resources

StudentAid.gov – Complete FAFSA, track aid, manage loans, and access authoritative federal aid information.

College Scorecard (collegescorecard.ed.gov) – Compare schools using federal data on costs, graduation rates, and graduate earnings.

National Student Loan Data System (nslds.ed.gov) – View all your federal student aid, including grants received and loans borrowed.

State Resources

Search “[your state] higher education financial aid” to find:

• State grant programs
• State-specific deadlines
• Residency requirements
• State scholarship databases

Scholarship Databases

• Scholarships.com – Large database of private scholarships
• Fastweb.com – Matches you with relevant scholarships
• CareerOneStop Scholarship Finder – Sponsored by the Department of Labor
• Your school’s scholarship portal – Most schools maintain searchable databases

Verification and Comparison Tools

Database of Accredited Postsecondary Institutions (ope.ed.gov/dapip) – Verify a school’s accreditation and Title IV participation.

Council for Higher Education Accreditation (chea.org) – Search recognized accrediting organizations.

Better Business Bureau (bbb.org) – Check complaint records for schools you’re considering.

Conclusion

Finding an affordable online degree is entirely possible when you understand how financial aid works. The 70 schools profiled here all participate in federal aid programs and hold recognized accreditation. Your actual costs will depend on your state residency, family income, enrollment level, and the aid packages each school offers.

The key steps forward are:

File your FAFSA as soon as possible after December 1, 2025, for the 2026–2027 school year. This opens doors to federal grants, loans, and work-study, plus many state programs and institutional scholarships require FAFSA completion.

Run net price calculators at every school you’re considering. This reveals actual expected costs instead of misleading sticker prices.

Compare total aid packages carefully, focusing on free money (grants and scholarships) rather than total aid amounts that include loans.

Consider your complete situation, including work schedules, family responsibilities, learning preferences, and career goals, when choosing between schools.

Ask questions whenever you’re uncertain. Financial aid offices exist to help you navigate the process. There’s no such thing as a dumb question when you’re making a decision that affects your financial future.

The path to an affordable online degree requires research and planning, but thousands of students complete online degrees each year using financial aid. With the information in this guide, you’re well-equipped to find a program that fits both your educational goals and your budget.

Start your FAFSA at StudentAid.gov today, create your school shortlist, and take the first step toward earning your degree.