Applying to the right colleges is the biggest financial aid decision you can make!
"No loans college” help students afford their cost of attendance without resorting to student loans. Campus financial aid offices accomplish this by connecting students with gift aid like grants and scholarships, as well as with work-study programs. Most colleges don't do this, but some do. Apply to those colleges and you can avoid debt.
‘No Loan’ Colleges and Universities List
--- Not an exhaustive list by far! ---
These 21 no-loan colleges and universities, including some prestigious schools with need-blind admissions and healthy endowments, will help all incoming students avoid student debt.
Amherst College
Berea College
Bowdoin College
Brown University
Colby College
College of the Ozarks
Columbia University8. Davidson College
Grinnell College
Harvard University
Johns Hopkins University
Northwestern University
Pomona College
Princeton University15. Stanford University
Swarthmore College
University of Chicago
University of Pennsylvania
Vanderbilt University
Washington and Lee University
Yale University
These 17 schools reserve their no-loans policy for their lowest-income students (with Income AGI Cut Offs)
California Institute of Technology - $60,000 and under
Colgate University - Up to $125,000
Connecticut College - Contact school for details
Cornell University - Under $60,000, with assets below $100,000
Dartmouth College - Under $100,000, with “typical assets”
Duke University - Under $40,000
Emory University - $50,000 or less
Haverford College - Under $60,000
Lafayette College - Under $50,000
Miami University (Ohio) - $35,000 or less
Michigan State University - Federal poverty threshold
Rice University - $130,000 or less
Tufts University - Under $40,000
University of North Carolina at Chapel Hill - 200% of the poverty threshold or lower
Washington University in St. Louis - $75,000 and under
Wellesley College - Under $60,000
Wesleyan University - Under $60,000
These 20 colleges are state schools with No Loan or "Promise" policies.
Arizona State University: Residents who are Pell Grant-eligible
University of Arizona: Residents with a household income $60,000 or less (or an EFC of 4,000 or less) who are eligible for a Pell Grant
University of California schools: Residents with a household income below $80,000
Fairfield University: Bridgeport, Conn., high school graduates with a household income below $50,000
Georgia Institute of Technology: Residents whose parents earn less than $33,300 per year
University of Illinois at Urbana-Champaign: Residents with a household income at or below $67,100 and assets up to $50,000
Indiana University: Residents who completed the 21st Century Scholars application in middle school and fall within the income threshold for eligibility
University of Louisville: Residents with household income at or below 150% of the poverty threshold
University of Michigan: Residents pursuing their first bachelor’s degree who have family income up to $65,000 and assets below $50,000
Appalachian State University: Residents attending school full time with a household income that is 100% of the federal poverty threshold (or less) and a zero EFC
Bryan College: Residents with a household income up to $36,000 who are pursuing their first bachelor’s degree
University of Tennessee: Residents with a household income of less than $50,00
Texas State University: Residents with a household income of $25,000 or less who are pursuing their first bachelor’s degree
Lamar University: Residents with a household income below $25,001 who are eligible for a Pell Grant
University of Texas at Arlington: Residents who attend Dallas or Tarrant College first and have income under $65,00
University of Texas at El Paso: Residents with a household income at $50,000 or less
University of Texas at Dallas: Residents with a household income $25,000 or less who are attending school full time and are eligible for Pell Grants
Texas A&M University: Residents with a household income of $60,000 or less
University of Vermont: Residents who are eligible for a Pell Grant
College of William and Mary: Residents with a household income below $40,000
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