At Adler, we’re committed to helping you finance your education through a variety of payment options, as well as federal and private financial aid programs. Most of Adler’s M.A. and Certificate candidates are eligible for federal financial aid, and other students may qualify for alternative loans. We’ll take the time that’s necessary to determine the best options for financing your Adler education, and we’ll guide you through the process.

The Adler Graduate School is approved by the U.S. Department of Education to participate in the William D. Ford Federal Direct Loan program and the Federal Direct Graduate PLUS program. These low-interest rate loans are available to offset the costs of tuition, fees, books and living expenses for periods during which qualified students are enrolled for at least 3 credits per term.

Cost of Attendance (Financial Aid Budget)

The financial aid office establishes each financial aid applicant’s cost of attendance or financial aid “budget” for a 12-month academic year. A student’s total financial aid award cannot exceed his or her financial aid budget. The cost of attendance is calculated by including the following:

• Tuition and Fees
• Books and Supplies
• Living Expenses

Adler’s 2024-2025 estimated cost of attendance for 12 months:
Tuition ($710/credit x 28 (7 credits per term)	$19,880
Fees	$640
Books and Supplies	$1,600
Living Expenses (food & housing, transportation, misc.)	$27,320
Total Cost of Attendance	$49,440

The cost of attendance represents the maximum financial aid you can receive for 12 months of enrollment. Each student’s financial situation is different – you may find that you only need enough financial aid to cover your tuition and fees, or you may need help with living expenses as well. The best advice is to borrow only what you need. Keep in mind that your financial needs may change throughout the year. We’re happy to work with you one-on-one to adjust your financial aid accordingly.

To be eligible for federal financial aid at Adler, a student must:

Be enrolled or accepted for enrollment into a Master’s degree or Certificate program. (Other students may qualify for alternative loans – contact the financial aid office for additional information.)
Be a U.S. citizen, national, or permanent resident, or eligible non-citizen.
Register for a course load of at least 3 credit hours in each term covered by the loan period.
Maintain Satisfactory Academic Progress (SAP) according to the policy published in the AGS catalog/handbook.
Not be in default on any Title IV federal loans including the Perkins (National Direct/Defense Student Loans), Nursing Student Loans, Federal Family Education Loans (Stafford/GSL, Supplemental Loans for Students/ALAS, PLUS, or William D. Ford Direct Loans) or owe a repayment on any Title IV Pell Grant or Supplemental Educational Opportunity Grant (SEOG).
Accurately file all required financial aid forms and provide supporting documentation as requested by the financial aid office.

Payments on the Federal Direct Loan program are deferred as long as students are enrolled at least one-half time (3 credits per term). Repayment of Federal Direct Unsubsidized loans generally begins six months after a student graduates, withdraws, or drops below one-half time. (Contact your loan servicer for specific information regarding the repayment of your student loans.)