Ways To Save

An adult student holding a baby while completing course work

Ways To Save

More than 75% of our adult and online learners receive federal financial assistance for their studies

Find out how much you can save on your education by submitting the Free Application for Federal Student Aid (FAFSA). Filing the FAFSA ensures you are considered for scholarships, grants and federal student loans.

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Apply for Financial Aid

Financial Aid includes loans, grants and scholarships. Grants and scholarships are considered free aid and do not require repayment. You must complete the FAFSA between October 1 and June 30 to qualify for Financial Aid for the upcoming award year. Try not to wait to complete your application. The sooner you submit the FAFSA, the more financial aid you may receive.
College Credits

Apply for Scholarships

Whether you study online or on campus, hundreds of scholarship opportunities are available to UMass Lowell undergraduate and graduate students through the River Hawk Scholarship Portal. Additional private and GPS-specific scholarship opportunities can be found on the Scholarships page.
Employer Financial Help

Employer Tuition Assistance

Take advantage of UMass Lowell's already low tuition through an academic partnership. If your company is not an academic partner, talk to your Human Resources Department to learn if tuition assistance or reimbursement is an option.
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Sign Up for a Payment Plan

If you wish to avoid loans and do not qualify for other types of financial aid, consider setting up a monthly payment plan. You can break your tuition into interest-free, smaller monthly amounts. The earlier you sign-up for a payment plan, the smaller your monthly payments become.

Military Credits


We invite all veterans to contact the Office of Veterans Services at 978-934-2461 or Veterans@uml.edu for information on VA benefits and state veterans' credits/waivers. Credits (waivers) must be requested by students admitted to an undergraduate or graduate degree program through the Office of Veterans Services. Merit- and need-based assistance grants for online courses may be available to veterans presently enrolled in undergraduate degree and certificate programs.
Transfer Fast

Transfer Credits

Transferring college credits from other institutions allows you to reduce the overall cost of tuition and complete your program faster. We allow up to 90 transfer credits toward your bachelor's, accounting for 75% of your degree. Please see our transfer page for more information.

A maximum total of 12 graduate credits earned with a grade of B or better taken at another accredited institution may be transferred to a master's degree program (see individual programs for further restrictions, if any). A maximum of 24 credits with a grade of B or better may be transferred to a doctoral program.
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No-Cost or Low-Cost Course Materials

Save money by registering for courses that have no-cost or low-cost course materials. On our Course Search page, select the "Courses with Low/No Cost Materials" category.

Courses with no-cost materials do not require purchasing books or other course materials.

Low-cost courses have materials and books that cost under $50.