Financial Aid FAQ & Resources
You have questions. We have answers.
Hartwick College is dedicated to doing our part to combat the crushing student debt crisis and the complexity of the student financial aid process.
Beginning Fall 2025, we have made the cost of a Hartwick education more direct to reflect our commitment to our students’ financial well-being and to an environment of transparency in higher education.
Tuition and fees for the 2025-2026 academic year will be $22,000 per year and room and board will be $16,000 per year, with up to $10,000 in annual scholarship opportunities.
There’s no catch. No hidden fees. No games. We simply believe our students deserve better than the confusion and stress surrounding college costs. So, we’re doing something about it. We are certain you will be paying less with this new direct tuition model than you would be paying next academic year without it. Please find your specific tuition details in the personalized financial aid plan mailed to you.
Families should complete the FAFSA (Free Application for Federal Student Aid) every year. All federal and most state and institutional aid programs (grants, loans, and employment) require the FAFSA.
Hartwick College offers an interest-free tuition payment plan. Families can finance either a portion or the entire amount of their semester bill. Payment plans can be set up in July for the Fall semester and December for the Spring semester.
The FAFSA reflects your family’s financial circumstances at a single point in time. If unusual expenses or circumstances influence your ability to contribute to your education and are not reflected in the FAFSA, we encourage you to provide us with this information in writing. We will evaluate your special circumstances and may consider them in determining eligibility for need-based aid.
Your application for admission and FAFSA are reviewed carefully so that we can offer you all of the funds for which you qualify. When a student has special circumstances like those discussed in the previous question, we will review the student’s eligibility for aid. If you feel that your award should be re-evaluated based on this reason, please call us. We will do all that we can to help make Hartwick affordable for you.
The Student Aid Index (SAI) is a number calculated from the Free Application for Federal Student Aid (FAFSA) form that helps determine how much financial aid a student may receive. Your SAI is the same for all colleges and universities.
The difference between your SAI and the cost of attendance (COA) at a given college is known as your financial need. For example, the cost of attendance at Hartwick College for academic year 2025-26 is $40,220. A student with an SAI of $20,000, financial need is $20,220 ($40,220 – $20,000 = $20,220). Unlike your SAI, your financial need is different from one college to another, based on each school’s cost of attendance. Unlike your SAI, your financial need is different from one college to another, based on each school’s cost of attendance
Consumer Information about financial aid is located on the Hartwick website. Hartwick encourages you to read and understand all that you can about your financial aid. If you aren’t sure about something, feel free to ask. We’re here to help!
Review your financial aid award and call us at 607-431-4130 or email us at [email protected] with any questions. Once you decide that Hartwick is the school for you, send in your enrollment confirmation form with your $400 enrollment deposit. We will contact you early in the summer with instructions on how to accept your direct loans.
In most cases, students use a parent as a cosigner. However, a parent who has been denied a PLUS loan is not likely to be acceptable as a cosigner. In that case, you should ask a relative (e.g., aunt or uncle, sibling, or grandparent) or family friend to cosign. The Lender will pull credit, verify income, and also consider debt-to-income ratio in their evaluation. All federal loan options should be exhausted before considering alternative student loans.
Some lenders may approve loans to upperclass students without a cosigner. A credit history is required (credit card on which payments have been made regularly and on time). The interest rate on this type of loan is usually higher than a cosigned loan.
For the 2025-26 academic year, you’re considered an independent student only if at least one of the following criteria applies to you:
- You were born before January 1, 2002
- You’re married as of the day you apply (or you’re separated but not divorced)
- You have children who receive more than half their support from you
- You have dependents (other than your children or spouse) who live with you and who receive more than half their support from you at the time you apply
- Both your parents are deceased, you are (or were until age 18) a ward or dependent of the court, or are in legal guardianship
- You’re a veteran of the U.S. Armed Forces or are currently on active duty
- You are homeless or at risk for homelessness
In unusual cases, a financial aid administrator can review documentation of specific circumstances and change your dependency status. Questions about specific circumstances that could result in an override of the dependency requirements should be addressed to a Financial Aid staff member.
After approval by the Office of Residential Life, your cost of attendance (which is based upon living on campus) will be changed to reflect your off-campus/commuter status.
While both are federal loans in the student’s name, for the subsidized Direct, the U.S. Department of Education pays interest while the borrower is in school. In the case of an unsubsidized loan, the borrower is responsible for interest during the life of the loan; financial need is not a requirement. Repayment begins six months after graduation or after the student leaves school.
Denial of a federal parent PLUS Loan entitles the student to borrow an additional loan as an unsubsidized amount up to $4,000 for first- and second-year students and $5,000 for third- and fourth-year students. Other options include alternative student loans (with a credit-worthy cosigner) and the Tuition Payment Plan.
Students are considered full-time if they take a minimum of 12 credit-hours in the fall and 12 credit-hours for J Term/spring combined. Students who wish to drop a course and fall below full-time status after the add-drop period has ended should contact the Financial Aid Office for guidance.
Generally speaking, outside scholarships reduce both parent and student loans to cover the cost of attendance. When we receive notification of receipt of an outside scholarship, we usually reduce the parent loan or alternative student loan first, then other student loans. In most cases, these scholarships are intended to meet financial need; students may lose federal eligibility for programs such as Work-Study and/or Subsidized Loan (part or all of the Subsidized amount may be moved into the Unsubsidized Loan program) or Hartwick gift aid if the total cost of attendance is exceeded. Hartwick will also reduce its scholarship assistance if outside awards stipulate that they may be applied only to tuition and cause tuition to be overfunded by a combination of Hartwick merit scholarships, New York State TAP, and the outside award.
For the 2025-2026 academic year, tuition and fees will be $22,000 per year and room and board will be $16,000 per year, while still offering up to $10,000 in annual scholarship opportunities. This realigned tuition model impacts both incoming and current students. For some current students, this may mean a decrease in scholarship, which will be offset by the lowered tuition rate, ensuring that current students do not pay more than when initially admitted.
In Fall 2025, tuition and fees will be $22,000 per year and room and board will be $16,000 per year, while still offering up to $10,000 in annual scholarship opportunities. This realigned tuition model impacts both incoming and current students. For some current students, this may mean a decrease in scholarship, which will be offset by the lowered tuition rate, ensuring that current students do not pay more than when initially admitted.
Office of Financial Aid
Bresee Hall, 2nd Floor
Hartwick College
One Hartwick Drive
P.O. Box 4020
Oneonta, NY 13820-4020
607-431-4130
Fax: 607-431-4006
[email protected]