Grants & Loans

We understand that some families may not be able to meet the costs of a Nazareth education without additional resources. Financial aid can help provide other options to bridge the gap between scholarship resources and what a family can afford to pay.

  • Federal options such as the Pell Grant and the Supplemental Education Opportunity Grant (SEOG)
  • Options for New York state residents such TAP
  • Nazareth University need-based grants
  • Work Study, Direct Sub/Unsub Loans, and PLUS Loans for Parents
  • Private Loans

Your First Step

Free Application for Federal Student Aid (FAFSA)

The Free Application for Federal Student Aid (FAFSA) is a form completed by students to determine eligibility for student financial aid. It is the only application required by Nazareth to determine your eligibility for federal and Nazareth need-based financial aid. If you are a New York state resident you will also complete a Tuition Assistance Program (TAP) application to determine state aid.  

Complete the FASFA annually.

We recommend that you submit the FAFSA each year you’re in college — it only takes 30 minutes on average to complete.

Free Application for Federal Student Aid     

Complete the FAFSA

  • Nazareth's federal school code: 002779
  • Nazareth's TAP (New York state) code: 0525

Need-Based Grants

Grants are gift aid based on demonstrated need and are funded from federal, state and/or institutional sources.

The Free Application for Federal Student Aid is used to determine eligibility for need-based grants from Nazareth University for domestic students and estimates grant amounts from a student’s home state if applicable. Students must show demonstrated need as defined by Federal Student Aid. Need-based grants will be outlined in the financial aid offer. 

University Grants

Purple & Gold Grant 

Nazareth commits significant funding to its own need-based grant program. Eligibility is determined after acceptance and Nazareth’s receipt of your valid FAFSA. Need-based grants are renewable based upon continued financial eligibility, as determined by filing a FAFSA each academic year and maintaining satisfactory academic progress.

Federal Grants

Federal Pell Grants

Pell grants are offered only to undergraduate students who display exceptional financial need as determined by the FASFA. Eligibility is limited to 12 semesters (or equivalent). Filing a FAFSA annually is required and the amount of the offer is based upon need.

FSEOG (Federal Supplemental Educational Opportunity Grant): Limited federal grants ranging from $100 - $1,000 are offered to full-time students who receive maxiumum Pell Grant funding. FAFSA must be filed annually.

New York State Aid for Part-Time Studies (APTS)

The Aid for Part-Time Study program is a grant program financed by New York State through participating education institutions. The program provides up to $2,000 per year for qualified part-time (enrolled in 3 to 11 credits) undergraduate students. Contact Financial Aid for more information about eligibility, deadline, and the APTS application form. (The form is also available at the bottom of the Financial Aid Forms page.)

New York State TAP

Offers vary, based on New York state net taxable income. Dependent undergraduate students whose families have NYS net taxable incomes below $80,000 may be eligible for TAP. Students must be New York state residents for one year before beginning college and attend full-time (repeated coursework typically does not count towards full-time attendance). TAP is renewable for eight semesters only and students must have a 2.0 GPA by the time they have used four semesters of TAP. Students must file the FAFSA and a New York State TAP application and make sure that TAP has current and complete information as well as the TAP code for Nazareth, which is 0525.

Federal TEACH Grant

The Federal Teacher Education Assistance for College and Higher Education (TEACH) Grant Program provides up to $2,000 per semester to academically qualified students who intend to teach in a high-need field in an elementary school or secondary school or educational service agency that serves students from low-income families. Students must complete an application, Agreement To Serve, TEACH grant counseling, and FAFSA annually.

Please see the TEACH Grant information page and the Nazareth University TEACH Grant eligible programs list for more details. Please reach out to the Financial Aid office to request the TEACH Grant application, Failure to complete the service obligation will result in the grant being converted to a Federal Direct Unsubsidized Loan with interest accrued and capitalized from the date of the original disbursement.

NOTE: TEACH Grant funding and continuance is not guaranteed and is subject to federal budget approval.


Unlike your grants and scholarships, which are automatically credited to your student account, the student or parent first-time borrower must take steps online to receive a loan.     

Several factors will help you determine which loan program(s) might be best for you and your family.

Your financial aid offer will include loan options based on your financial need as determined by the Free Application for Federal Student Aid (FAFSA). 

Nazareth assumes you will want to borrow the federal student loans offered to you. You may choose to decline or reduce the loans offered. Additional steps may be required to secure your loans at

Included in your offer (if eligible):

Additional loans you may apply for:

Office of the Ombudsman:

The U.S. Department of Education has established the Office of Ombudsman to reconcile any disputes between a borrower and the lender or guaranty agency that haven't been resolved through other means. The toll-free number is 877-557-2575.

Student Loan Repayment

How to Figure Out Which Repayment Plan Works for You

After a lengthy pause, federal student loan repayments are set to restart in October 2023. If you have a loan that needs to be repaid, we have compiled a list of resources to assist you: Helpful Resources to Prepare for Student Loan Repayment

Need more info about your loan? Log in to to see who is handling your loan. Then you can use a loan simulator tool to find a payment plan to suit your needs.