Cost & Filling The Gap

Your financial aid may not cover all the expenses that you may incur while attending classes. The following information is designed to assist you in determining the amount of funding you may need to cover these "out of pocket" costs and the available options to cover the expenses or "filling the gap."

Your budget is made up of two parts:   direct costs  that are paid to the University and   indirect costs  that are not paid directly to the University but you may incur during the enrollment period. Indirect cost items may vary depending on your individual situation.

The following methods are available to "filling the gap" between your college expenses and your financial aid awards:

1. You may pay the balance due in full each term. Payments can be made by cash, check, money order, or major credit card. To make a payment with a credit card, login to the   SOLAR System  and click on “Account Summary/What Do I Owe?”. Additional billing information is available on the   Bursar/Student Accounts website. 
2. You may pay the balance due in installments by signing up for the University's   Time Option Payment Plan (TOPP).
3. Parents of dependent undergraduate students may borrow a Federal Direct Parent PLUS Loan by submitting a "Federal Direct Parent PLUS Loan Request Form" to the financial aid department. Visit the   Federal Direct Parent PLUS Loan information link for further information.
4. Students can apply for a private educational loan. For further information, visit the  Private Educational Loan  page.

HOW DO I CALCULATE MY GAP?

Utilize one of the calculators below to determine your "gap"  between your financial aid award package and anticipated charges as either a NYS Resident or Out of State student. These calculators will allow you to see the difference in cost between residing on-campus, off-campus, or commuting from a family residence.