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40 US Colleges With Free Tuition for Some Students

The cost of a college education has only been rising, and at some US schools, the annual sticker price now surpasses $100,000.

As millions of Americans drown in student debt, some schools have implemented policies to help students better afford higher education, including free-tuition initiatives.

The financial aid landscape in the US is often complicated, riddled with ultra-specific jargon, and can look entirely different from family to family. In many cases, “tuition-free” does not mean the entire cost of college is covered, and students may still be responsible for housing, food, books, fees, health insurance, travel, or personal expenses.

Some of these schools are elite institutions ranking among the hardest schools to get into in the US, while others are designated work colleges offering free tuition in exchange for students working on-campus jobs.

While many of these schools advertise free tuition or need-based financial-aid packages, the reality is that the cost of attendance can vary between families and depend on factors such as income, household size, state residency, and whether (and how) assets like home equity or investment funds are considered.

Often, universities have financial aid calculators on their website where prospective students and families can estimate the net cost of attendance that would apply to their financial situation.

Business Insider examined the financial aid offerings of colleges across the US and identified schools that advertise a free-tuition model for at least some students. For each school, we included the eligibility criteria, including the family income threshold, and what costs are covered.

While this list may not be exhaustive, as many smaller schools offer financial aid packages that could cover full tuition costs, this selection indicates where some students may have a path for debt-free higher education. We also excluded the five US military academies, where cadets attend tuition-free, with room and board, as they typically entail a service obligation after graduation.

These 40 US colleges and university systems offer tuition-free education paths for at least some students, though eligibility may depend on income, residency, work requirements, tribal affiliation, or field of study.

Alice Lloyd College in Pippa Passes, Kentucky


Aerial view of Pikeville Kentucky photograph taken Oct 2006



Alice Lloyd College is 38 miles to the southwest of the town of Pikeville, Kentucky.

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Family income cutoff: None

What’s covered: Full tuition for students from the school’s Central Appalachian service area.

Alice Lloyd College’s Appalachian Leaders Scholarship is available to all students from the 108-county Appalachian service region designated by the school, which covers parts of Kentucky, Ohio, Tennessee, Virginia, and West Virginia.

The college is also one of 10 “federally recognized work-study colleges” in the US, per the school’s website, and all full-time students are required to work a minimum of 10 hours a week at an on- or off-campus job.

Aside from free tuition and work-study, students may also receive financial aid in the form of grants and privately funded scholarships.

Students are expected to pay for their living expenses, including food and housing, depending on their financial aid package.

Barclay College in Haviland, Kansas




Barclay College is located in a small town 56 miles east of Dodge City, Kansas.

Eduardo Medrano/Shutterstock

Family income cutoff: None

What’s covered: Full cost of tuition for full-time students living on-campus.

Aside from the scholarship covering the full cost of tuition for students living in on-campus dormitories, the school also covers half of tuition for students living off-campus and offers a $1,000 annual scholarship to be used toward the cost of housing and food.

Students may also receive federal financial aid, such as grants or loans, to offset room and board costs.

Berea College in Berea, Kentucky




Berea College says no student has paid tuition there since 1892.

Edison Angamarca/Shutterstock

Family income cutoff: None

What’s covered: Full tuition for all students.

Berea College says that no student has paid for tuition since 1892.

The college, another of the 10 federally recognized work colleges, also requires all students to work a minimum of 10 hours at a campus job.

Aside from the free tuition scholarship and work-study program, the school also provides some students with support through stipends for professional clothing and free laptops.

Brandeis University in Waltham, Massachusetts




Brandeis University offers free tuition for students from families earning under $75,000 annually.

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Family income cutoff: $75,000

What’s covered: Full tuition for domestic students with family incomes and typical assets of less than $75,000. Students from families earning under $200,000 also receive grants and scholarships covering half of the tuition costs.

The school has also pledged to “meet 100% of demonstrated financial need” for first-year students from qualifying families, including those ineligible for federal aid, according to the school’s website.

California Institute of Technology in Pasadena, California




Most families earning under $200,000 receive full-tuition aid packages at Caltech.

The Image Party/Shutterstock

Family income cutoff: $200,000

What’s covered: Full tuition for eligible students with family income under $200,000. Students with families earning under $100,000 a year receive financial aid packages that cover the full cost of tuition, fees, housing, and food.

The school also says it meets 100% of “a student’s demonstrated financial need through grants, scholarships, work-study, and loans,” per the school website.

Colgate University in Hamilton, New York




Colgate University offers full-tuition support for families earning up to $175,000.

James Aloysius Mahan V/Shutterstock

Family income cutoff: $175,000

What’s covered: Full tuition for US students with annual family income of $175,000 or less.

Starting in fall 2026, the school is also offering students with family incomes of up to $200,000 loan-free tuition packages.

The school also offers aid packages for middle- and upper-middle-class families through its Colgate Commitment, per the school’s website.

Families earning between $200,000 and $250,000 will only pay about 7% of their income toward tuition. For those earning between $250,000 and $300,000, the percentage rises to 10%.

College of the Ozarks in Point Lookout, Missouri




All students at the College of the Ozarks pay no tuition in exchange for work.

Ritu Manoj Jethani/Shutterstock

Family income cutoff: None

What’s covered: Full tuition for all full-time students.

Students at the College of the Ozarks are not charged tuition. Instead, all full-time students participate in the school’s on-campus work program for 15 hours a week.

In addition to the work program, the school also covers tuition through its Tuition Assurance Scholarship, which each student receives.

The school says the model allows students to graduate debt-free, though students may still need to cover other personal costs.

Columbia University in New York City




Students from families earning $150,000 annually can attend Columbia tuition-free.

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Family income cutoff: $150,000

What’s covered: Full tuition for students from families earning less than $150,000 with typical assets.

Columbia says students from families with annual incomes under $150,000 and typical assets can attend tuition-free, and that the expected parent contribution for families earning under $66,000 is $0.

The school’s financial aid packages are covered through grants and scholarships, and loans are not used to meet students’ financial needs.

Cornell University in Ithaca, New York




Students from families earning under $75,000 a year can expect no parent contribution or student loans.

TW Farlow Media/Shutterstock

Family income cutoff: $75,000

What’s covered: Financial aid packages with no expected family contribution and no loans for students with family income under $75,000.

Cornell says it meets 100% of demonstrated financial need for all eligible undergraduate students.

For students from families earning under $75,000 with typical assets, Cornell says the expected parent contribution is $0. The school offers these families financial aid packages that cover the costs of attendance through grants, scholarships, and work-study, and include no student loans.

Curtis Institute of Music in Philadelphia




The Curtis Institute of Music is a selective arts conservatory in Philadelphia.

Sean Pavone/Shutterstock

Family income cutoff: None

What’s covered: Full tuition for all students.

The Curtis Institute of Music, a highly selective conservatory, has been tuition-free for all students since 1928.

The school provides full-tuition scholarships for all students regardless of their financial situation.

Students may also receive need-based financial aid to help cover additional living expenses.

Dartmouth College in Hanover, New Hampshire




Students at Dartmouth College from families making under $125,000 can expect no parent contribution or student loans.

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Family income cutoff: $175,000

What’s covered: Full tuition for families making under $175,000. Students from families earning under $125,000 with typical assets also receive a zero-parent contribution, loan-free financial aid package.

The college also says financial aid packages for all undergraduates do not include student loans.

Deep Springs College in Deep Springs, California




Deep Springs College (not pictured), located in California’s Deep Spring Valley, has an on-campus cattle ranch where students work.

travelview/Getty Images

Family income cutoff: None

What’s covered: Full tuition, room, and board for all admitted students.

Deep Springs College awards an automatic full scholarship covering tuition, room, and board to all admitted students regardless of financial need or country of origin.

The selective two-year college, which only admits about 14 students each year, relies on an unusual model where students work 20 hours a week on a cattle ranch, doing tasks like milking cows, irrigating the farm, cooking meals, and washing dishes.

Students are still expected to cover the expenses of their books, travel, and medical insurance, as well as a damage deposit, and scholarships are available for students who cannot afford to cover these costs.

Duke University in Durham, North Carolina




Duke University offers free tuition to students from North and South Carolina whose families make under $150,000 a year.

CRobertson/Getty Images

Family income cutoff: $150,000

What’s covered: Full tuition grants for undergraduate students from North Carolina and South Carolina whose families earn $150,000 or less.

For students from the Carolinas with family income of $65,000 or less, Duke also provides financial assistance for covering the costs of housing, meals, and course materials, without student loans.

Emory University in Atlanta




Students from families making under $200,000 can attend Emory University tuition-free.

Bo Shen/Getty Images

Family income cutoff: $200,000

What’s covered: Full tuition for undergraduate students from families earning up to $200,000 with typical assets, beginning in fall 2026.

Under the school’s Emory Advantage Plus program, domestic undergraduate students from families earning up to $200,000 with typical assets will pay zero tuition.

Harvard University in Cambridge, Massachusetts




Students with families making under $200,000 can attend Harvard tuition-free.

Marcio Jose Bastos Silva/Shutterstock

Family income cutoff: $200,000

What’s covered: Full tuition for students from families earning $200,000 or less. Students from families earning $100,000 or less also get the full cost of attendance covered by the school.

Harvard says its undergraduate college is tuition-free for students from families with annual incomes of $200,000 or less. These students may also qualify for financial aid to help cover housing, food, and fees.

Families making under $100,000 receive financial aid packages fully covering all costs of tuition, fees, food, and housing, as well as additional grants to help students during their first and third years.

Haskell Indian Nations University in Lawrence, Kansas




Haskell Indian Nations University is tuition-free for Native American Indians and Alaska Native students who belong to federally recognized Tribes.

Rebekah Zemansky/Shutterstock

Family income cutoff: None

What’s covered: Full tuition for Native American Indians and Alaska Native students who belong to federally recognized Tribes.

The university lists tuition at $0 for both on-campus and off-campus students.

Students may still pay fees and other costs tied to attendance.

Lehigh University in Bethlehem, Pennsylvania




Students with families making under $75,000 can attend Lehigh University tuition-free.

ros516/Shutterstock

Family income cutoff: $75,000

What’s covered: Full tuition grants for undergraduate students from families with total income and typical assets under $75,000.

The Lehigh Commitment provides full-tuition grants, scholarships, and tuition waivers to undergraduate students from families with total income of less than $75,000.

Massachusetts Institute of Technology in Cambridge, Massachusetts




Students from families earning under $200,000 typically attend MIT tuition-free.

Marcio Jose Bastos Silva/Shutterstock

Family income cutoff: $200,000

What’s covered: Full tuition for students with family income under $200,000 and typical assets. Many students with family income under $100,000 receive financial aid covering the full cost of attendance.

The school, which prides itself on its need-blind admissions, meets 100% of demonstrated financial need for all undergraduate students, both domestic and international.

Mount Holyoke in South Hadley, Massachusetts




Families with total incomes of up to $150,000 pay no tuition at Mount Holyoke.

Feng Cheng/Shutterstock

Family income cutoff: $150,000

What’s covered: Full tuition for US families with total income up to $150,000 and typical assets.

Students with greater financial need also receive aid to cover housing, food, and fees. The college says it meets 100% of the demonstrated financial needs of students.

The school says it works with families individually to create financial aid packages using need-based aid and merit scholarships.

Northwestern University in Evanston, Illinois




Most families making under $150,000 annually attend Northwestern University tuition-free.

pics721/Shutterstock

Family income cutoff: $150,000

What’s covered: Full tuition for most students from families earning less than $150,000. Students from families earning less than $70,000 receive aid packages covering the full cost of attendance.

The university says it meets 100% of demonstrated financial need without student loans.

Princeton University in Princeton, New Jersey




Students with families earning up to $250,000 annually attend Princeton University tuition-free.

Guillermo Olaizola/Shutterstock

Family income cutoff: $250,000

What’s covered: Full tuition for most undergraduate families with income up to $250,000. Students from families making under $150,000 receive financial aid covering the full cost of attendance.

Princeton says it does not include student loans in its financial aid packages — which are also available to international students — and that 90% of students graduate debt-free.

Rice University in Houston




Rice University is tuition-free for families earning up to $140,000 a year.

Andrea Quintero Olivas/Shutterstock

Family income cutoff: $140,000

What’s covered: Full tuition for eligible students from families earning up to $140,000. Families earning less than $75,000 receive aid covering the full cost of tuition, fees, room, and board.

Families earning between $140,000 and $200,000 may also receive aid covering at least half of tuition.

The school says it meets 100% of demonstrated financial need.

Stanford University in Stanford, California




Students with families earning under $150,000 a year can attend Stanford University tuition-free.

CravenA/Shutterstock

Family income cutoff: $150,000

What’s covered: Full tuition for students whose parents earn less than $150,000 with typical assets. Families earning under $100,000 also receive aid covering the cost of room and board.

The university says that families with total annual income below $100,000 and typical assets generally have no expected parent contribution toward educational costs.

In most financial aid packages, expected student contributions total $5,000, including $1,500 from summer earnings and $3,500 from part-time work, which can be covered with 8 to 10 hours of on-campus work a week.

Texas A&M University in College Station, Texas




Families making up to $100,000 qualify for free tuition at Texas A&M University.

Dr-Harsha Vardhan Reddy/Shutterstock

Family income cutoff: $100,000

What’s covered: Full tuition for eligible Texas residents whose family income and assets are less than $100,000.

The school also froze its undergraduate tuition and fees for the 2026-27 school year, extending a record it has kept since 2021, when it last raised tuition prices.

Tufts University in Medford and Somerville, Massachusetts




Students with family incomes under $150,000 can attend Tufts University tuition-free.

Feng Cheng/Shutterstock

Family income cutoff: $150,000

What’s covered: Full tuition for US undergraduates from families earning less than $150,000, beginning with students entering in fall 2026.

Tufts says students with annual family income under $60,000 typically receive financial aid packages with no student loans and that the school covers 100% of all students’ demonstrated need.

The University of California system in California




Students with family incomes of up to $100,000 can attend schools like UCLA tuition-free.

NorthSky Films/Shutterstock

Family income cutoff: $100,000

What’s covered: Full tuition for most California families earning up to $100,000.

Under the University of California system’s Blue and Gold Opportunity Plan, most California families earning up to $100,000 receive enough grant and scholarship funds to fully cover UC tuition.

Students may still have to pay for housing, food, books, and other costs.

University of Chicago in Chicago




Undergraduate students with families making under $250,000 a year can attend the University of Chicago tuition-free starting in 2027.

Jacob Boomsma/Shutterstock

Family income cutoff: $250,000

What’s covered: Full tuition for students from families earning less than $250,000 with typical assets, beginning in fall 2027.

Beginning in the Autumn Quarter of 2027, undergraduate students from families earning $125,000 or less will also have their tuition, fees, housing, and meals covered.

University of Massachusetts Amherst in Amherst, Massachusetts




Families with adjusted gross incomes of under $75,000 can attend the University of Massachusetts Amherst tuition-free.

Mark F Lotterhand/Shutterstock

Family income cutoff: $75,000

What’s covered: Tuition and mandatory fees for eligible students with a household adjusted gross income of $75,000 or less.

The school also offers scholarships and grants for students above the family income threshold, depending on financial need.

University of Michigan in Ann Arbor, Michigan




Michigan residents with family incomes of under $125,000 can attend the University of Michigan tuition-free.

Fsendek/Shutterstock

Family income cutoff: $125,000

What’s covered: Full undergraduate tuition and mandatory university fees for Michigan residents with family income and assets of $125,000 or less.

Additionally, students receiving free tuition and enrolled in nursing, education, and performing arts programs will also receive further aid covering the full cost of attendance.

University of North Carolina at Chapel Hill in Chapel Hill, North Carolina




The University of North Carolina at Chapel Hill covers out-of-pocket tuition and fees for students with family incomes and assets under $80,000.

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Family income cutoff: $80,000

What’s covered: Out-of-pocket tuition costs and mandatory fees for North Carolina undergraduate students.

UNC-Chapel Hill’s Tar Heel Guarantee covers any out-of-pocket costs for tuition and mandatory fees not covered by other forms of financial aid for North Carolina undergraduates whose families make less than $80,000 a year and have typical assets.

Students may still need to cover housing, food, books, and other costs depending on their financial aid package.

University of Pennsylvania in Philadelphia




The University of Pennsylvania offers free tuition for students with family incomes and assets of up to $200,000

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Family income cutoff: $200,000

What’s covered: Full tuition through grants and work-study for students from families earning up to $200,000 with typical assets. Families making under $75,000 with typical assets will receive financial aid packages that cover the full cost of attendance.

Penn’s Quaker Commitment guarantees financial aid packages for these students. The school also says it no longer includes a household’s primary home equity in its financial aid calculations.

University of Southern California in Los Angeles




Students with families earning under $80,000 with typical assets can attend the University of Southern California tuition-free.

tsbthu/Shutterstock

Family income cutoff: $80,000

What’s covered: Full tuition for first-year students from families earning $80,000 or less with typical assets.

The policy covers tuition, while students may still need aid for housing, food, and other costs.

The University of Texas system in Texas




Texas residents with adjusted gross incomes under $100,000 can attend University of Texas institutions, like UT Austin, tuition-free.

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Family income cutoff: $100,000

What’s covered: Full tuition and required fees for eligible Texas undergraduates with family adjusted gross income of $100,000 or less.

Separately, UT Austin covers “tuition support” for students with families making up to $125,000 and offers scholarships to offset the cost of on-campus housing for students receiving full tuition aid.

University of Virginia in Charlottesville, Virginia




Students with families with income and assets under $100,000 can attend UVA tuition-free.

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Family income cutoff: $100,000

What’s covered: Full tuition and fees for Virginia families earning $100,000 or less with assets below $100,000.

UVA says Virginia families earning $100,000 or less per year with assets below $100,000 receive need-based grants and scholarships equal to at least the cost of tuition and required fees.

Virginia families earning $50,000 or less with assets below $100,000 will receive additional support covering at least the full cost of tuition, required fees, housing, and food.

The school says it also meets 100% of demonstrated financial need for all eligible undergraduate students.

Vanderbilt University in Nashville




Vanderbilt University offers full-tuition scholarships for students with household incomes under $150,000.

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Family income cutoff: $150,000

What’s covered: Full tuition or more for students from households earning less than $150,000.

Students from households with income under $150,000 typically receive awards greater than full tuition, with additional loan-free financial support for housing, food, and other expenses.

The school also says it meets 100% of the demonstrated financial need of all domestic students.

Warren Wilson College in Swannanoa, North Carolina




Warren Wilson College is located 10 miles outside of Asheville, North Carolina.

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Family income cutoff: None

What’s covered: Full tuition for North Carolina undergraduate students who qualify for need-based aid.

The college says loans are not applied toward tuition under the program, though they may be used for food and housing.

Washington University in St. Louis




WashU offers free undergraduate tuition for Missouri and southern Illinois students with families making under $75,000.

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Family income cutoff: $75,000

What’s covered: Full tuition, fees, housing, and food for Missouri and southern Illinois students from families making less than $75,000 a year.

The WashU Pledge program provides a fully free undergraduate education to admitted and Pell-grant-eligible US students from 53 counties in Missouri and southern Illinois.

Webb Institute in Glen Cove, New York




Webb Institute in Glen Cove, New York, provides full tuition for all enrolled US citizens and permanent residents.

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Family income cutoff: None

What’s covered: Full tuition for all enrolled US citizens and permanent residents.

The school says the scholarship is valued at more than $250,000 over four years.

Webb also offers need-based aid to help with additional attendance costs, which students are still responsible for covering.

Williamson College of the Trades in Media, Pennsylvania




Williamson College of the Trades in Media, Pennsylvania, offers scholarships covering the cost of tuition for every student.

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Family income cutoff: None

What’s covered: Full tuition, room, and board for every student.

Williamson College of the Trades, a three-year men’s college focused on trade education, says every student receives a scholarship that covers the full cost of tuition, room and board, and student fees.

Yale University in New Haven, Connecticut




Students with family earnings under $200,000 get tuition costs covered at Yale.

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Family income cutoff: $200,000

What’s covered: Full tuition for families earning below $200,000. Families earning under $100,000 receive scholarships covering the full cost of attendance.

Eligible students from families making under $100,000 also qualify for hospitalization insurance coverage and an additional $2,000 grant in their first year.

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