How to pay for College?

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Money Talks: How to Pay for College - FAFSA and Funding Options Explained
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Money Talks: How to Pay for College - FAFSA and Funding Options Explained

Undergraduate StudentsFinancial Aid

Maybe, by the time you’ve arrived, you’re already able to see your path clearly. Maybe you'll need our help finding or refining it along the way. Either way, we at Barry University know that your path needs to be affordable, too.

That is why we have a fantastic merit-based scholarship program, with awards up to $20,000 based upon your cumulative GPA and standardized test scores, available if you are a full-time degree seeking undergraduate student.

At Barry, merit-based scholarships are determined by GPAs and test scores. These scholarships are available for freshmen (including test optional), transfers, and international applicants.

You don't even need a separate application to find out if you are eligible for our merit-based scholarships! When you submit your admissions application, we will automatically determine your eligibility for and award your Barry merit-based scholarship upon acceptance.

We also participate in the full array of federal and state financial aid programs. In order to determine your eligibility for these programs, you need submit the Free Application for Federal Student Aid (FAFSA). Since funds may be limited, we encourage you to complete the FAFSA as soon as possible to ensure maximum financial aid eligibility.

Over 90% of our student body receives some form of financial assistance. Our office manages approximately $150 million in student financial aid for eligible students, from a variety of sources. You can afford the benefits of a private college education. We will work with you to determine exactly what you are eligible for.

Financial Aid Videos Frequently Asked Questions

Barry's Federal School Code is 001466

How To Pay For CollegeNet Price Calculator

Welcome! We’re glad you’re exploring how to plan and pay for your college education at Barry University. The Net Price Calculator helps you get a personalized estimate of your “net price” as an undergraduate student.

Net price is the difference between the full cost of attendance to Barry (including tuition and fees, books and supplies, room and meals, and other related expenses) minus any estimated grants and scholarships for which you may be eligible.

Freshmen

The estimate provided using this calculator does not represent a final determination, or actual award, of financial assistance or a final net price.

Transfer

The estimate provided using this calculator does not represent a final determination, or actual award, of financial assistance or a final net price.

FAFSAApply for Financial Aid

There are several steps you must take when applying for financial aid. Apply as early as possible and follow the steps outlined below. Feel free to contact the Financial Aid Office if you have any questions.

One Big Beautiful Bill Act (OBBBA)

Effective July 1, 2026 (2026–2027 Academic Year)

The One Big Beautiful Bill Act (OBBBA), signed into law on July 4, 2025, introduces significant changes to federal student financial aid programs administered by the U.S. Department of Education.

These updates will take effect beginning with the 2026–2027 academic year.

The One Big Beautiful Bill Act will make big changes to federal student aid. Some of the changes are clear, but others still need more explanation from the U.S. Department of Education.
We know students, families, and staff have a lot of questions—so do we.
As we get more official updates, we’ll keep updating this page with the latest and most helpful information.

Learn More

Financial AidFederal and State

Barry University participates in the full array of federal and state financial aid programs. In order to determine your eligibility for these programs, you need submit the Free Application for Federal Student Aid (FAFSA). Since funds may be limited, we encourage you to complete the FAFSA as soon as possible to ensure maximum financial aid eligibility.

Private Education Loans

(Alternative Loans)

After exhausting the opportunities available from the federal aid programs, many students will consider private education loans as a source of additional funding. The Office of Financial Aid strongly encourages all students to maximize their eligibility for institutional, federal and state financial aid programs, before borrowing any private education loans. Private education loans should only be considered after all other federal financial aid programs have been exhausted.

Private education loans are non‑federal loans offered by private lending institutions and are based on credit, as well as other criteria established by the lender. These loans often have variable interest rates, may require a credit‑worthy cosigner, and generally provide fewer repayment and borrower protection than federal student loans. Please be advised that terms, interest rates, and repayment options vary by lender. These loans, like federal loans, must be repaid.

Students may borrow up to the Cost of Attendance, less any other financial aid received. Because private education loans are credit‑based, students and co-signers are encouraged to review their credit history and carefully compare loan terms, interest rates, fees, and repayment options among lenders.

Barry University does not endorse or recommend any private lender. Students are free to select any lender of their choice, including lenders not listed on the University’s historical lender list. Students with questions regarding private education loans or additional borrowing eligibility are encouraged to contact the Financial Aid Office for guidance before applying.

Some Items to Consider When Choosing a Private Loan

Cosigner Release option
Interest Rate
Fixed or variable interest rate
Fees, including origination and other potential fees
Repayment length
In-school deferment
Loan forgiveness
Death and disability benefits
Total Cost of the loan

Historical Lender List

Our historical lender list of private education loan providers is comprised of lenders our students have borrowed from over the past three years, and that still offer private education loans to students attending Barry University. You are not required to use private loan lenders on this list.

As part of the application process, students will be required to complete the Private Education Loan Applicant Self-Certification Form (PDF), which is available through the lender's website. The Self-Certification Form should be turned into the lender, not the Financial Aid Office. Certain information needed to complete this form, such as cost of attendance, may be obtained on your Student Self Service portal at https://studentportal.barry.edu.

To assist you in comparing private student loan options, we recommend using ELMSelect, an independent tool that allows you to evaluate lenders, interest rates, repayment terms, and borrower benefits. Click on compare loan options to go to ELMSelect.

Compare Loan Options

Code of Conduct for Financial Aid Professionals

Barry University financial aid professionals are expected to maintain exemplary standards of professional conduct in all aspects of carrying out their responsibilities. In doing so, a financial aid professional will:

Refrain from taking any action for personal benefit.
Refrain from taking any action that is contrary to law, regulation, or the best interest of students, as well as parents.
Provide information that is accurate, unbiased, and does not reflect any preference arising from actual or potential personal gain.
Be objective in making decisions and advising the University regarding relationships with any entity involved in any aspect of student financial aid.

In addition:

The University shall not enter into any revenue-sharing arrangement with any lender.
No University officer or employee within the Financial Aid Office, or who otherwise has responsibilities with respect to education loans, shall solicit or accept any gift (e.g gratuity, favor, discount, entertainment, hospitality, loan, or other item having a monetary value of more than a de minimus amount) from a lender, guarantor, or servicer of education loans.
A University officer or employee within the Financial Aid Office, or who otherwise has responsibilities with respect to education loans, shall not accept from any lender or affiliate any fee, payment, or other financial benefit (including the opportunity to purchase stock) as compensation for any type of consulting arrangement or other contract to provide services to a lender or on behalf of a lender relating to education loans.
The University shall not request or accept any offer of funds to be used for private education loans, including funds for an opportunity pool loan, from any lender in exchange for providing concessions or promises regarding providing the lender with: a specified number of loans made, insured, or guaranteed; a specified loan volume; or a preferred lender arrangement.
The University shall not request or accept from any lender assistance with call center or financial aid office staffing.
Employees within the Financial Aid Office, or who otherwise have responsibilities with respect to education loans, shall not serve on an advisory board, commission, or group established by a lender, guarantor, or group of lenders or guarantors.

In addition to the items above, as a member of the National Association of Student Financial Aid Administrators (NASFAA), the University also follows standards established in NASFAA's Statement of Ethical Principles and Code of Conduct for Institutional Financial Aid Professionals: www.nasfaa.org/Statement_of_Ethical_Principles

TRUTH IN LENDING ACT (TILA) AND PRIVATE LOANS

The Higher Education Opportunity Act of 2008 (HEAO) added section 128(e) (3) to TILA which requires private loan lenders to obtain a completed and signed U.S. Department of Education Self-Certification Form from the applicant. In addition, the private loan lender must provide disclosures to borrowers at different stages of the application process.

Financial AidTuition Discounts

Financial AidTransfer and International Students

Students who transfer to Barry University are automatically considered for an award based on academic merit – no special forms are required. Upon acceptance, the Admissions office will let you know how much you’re qualified to receive.

International Students may be eligible for a merit-based scholarship. These renewable scholarships are available to first-year and transfer students on a competitive basis. Scholarships are not available once students have matriculated at the University.

Transfer Students

International Students

Veterans/MilitaryHonorably Discharged Assistance Program

Florida residents who are active duty or honorably discharged members of the Armed Forces who served on or after Sept. 11, 2001, are degree-seeking and have unmet need (as determined by the results of the FAFSA) may be eligible to receive funding from the Honorably Discharged Graduate Assistance Program (HDGAP).

Funds are intended to assist with living expenses during holiday and semester breaks. This program was created by the 2014 Florida Legislature and must be funded every year.

Funding is not guaranteed and is determined by the Florida Legislature and the Florida Office of Student Financial Assistance. The per student amount is based on many factors, including the number of eligible students, the amount the state provides the university and other factors. The amount in the past has varied between $100 and $1000 per student.

Learn More

GuidelinesTuition Exchange

Barry University is a member of the Tuition Exchange, Inc. (TE), a national scholarship exchange program for dependent children of full-time faculty and staff, with members from approximately 600 U.S. colleges and universities.

Colleges and universities participating in this program have agreed to waive some or all tuition for participants from other member institutions.

The receiving (Importing) institution sets the number and criteria for award decisions. Satisfying admissions criteria does not make awards automatic.

Each institution affiliated with TE sets its own standards for admission, determines the number of TE scholarships to be offered and oversees the process by which eligible dependents are selected for participation.

Learn More Tuition Exchange, Inc.

OverviewProfessional Judgment and Appeals

Occasionally, unique circumstances influence income for students and/or families. These circumstances have an impact on the ability to pay for college. Students and/or families may need to indicate special circumstances that may not be evident on the FAFSA, or circumstances may have changed.

When these situations arise, we may re-evaluate a student’s aid eligibility based on current circumstances using the Professional Judgment (PJ) process. Students should describe the circumstance in detail and must submit supporting documentation along with their request. A processed FAFSA and completed verification, if selected, must be on file before a PJ can be considered.

Learn More

Satisfactory Academic Progress

To maintain financial aid eligibility, a student must make satisfactory academic progress (SAP) toward a degree. Barry University, in compliance with federal regulations, has established certain standards that must be met to receive federal financial aid.

Satisfactory academic progress is determined by both qualitative and quantitative measurements.

Learn More

Scholarships and Grants

Merit-based ScholarshipsScholarships

When you apply to Barry University, you are automatically considered for one of these 5 scholarships based on academic merit – no special forms are required.

Learn more
Talent ScholarshipsScholarships

Talent Scholarships include: Pep Band Grant, Cheerleading Scholarship, and the Barry University Athletic Award.

Learn more
Leadership and Service ScholarshipsScholarships

Leadership and Service Scholarships include: Barry Stamps Scholars Program, Dominican Leadership Award, RaiseMe Micro-Scholarships, and more.

Learn more
Other Barry Funded Scholarships and GrantsScholarships and Grants

Other Barry Funded Scholarships and Grants include: Women of Tomorrow Scholarship, Catholic High School Grant, Alumni Legacy Grant, and more.

Learn more
Barry University Access GrantsGrants

Available grants include the Barry Access Grant and the Barry Housing Grant.

Learn more
Barry Scholarship SystemScholarship System

Students can browse and apply for other available institutional and endowed scholarships, as well as outside scholarships for which they may be eligible.

Learn more
Tuition DiscountsDiscounts

Tuition discounts include the Alumni Legacy Award and a 10% Tuition Discount offered to family members.

Learn more
Net Price CalculatorCalculator

This calculator shows your reduced net price and potential savings. Keep in mind it is an estimate, as awards, financial assistance, and tuition vary every year.

Learn more
Federal Grant ProgramsGrants

Learn more about the Federal Pell Grant and the Federal Supplemental Educational Opportunity Grant (SEOG).

Learn more

Free Scholarship Money!Barry University Scholarship System

Barry University offers scholarships that you can apply for every year. Barry University Scholarship System is an easy-to-use and mobile-friendly process that makes finding and applying for scholarships online easier.

The scholarships are funded through contributions from private donors, alumni, faculty, staff, parents, campus organizations, and corporations.

With the Barry University Scholarship System, you can:

Answer as many questions as you like—the more questions answered, the more scholarships you’re matched to
Be automatically considered for many of the scholarships available at Barry University
Do a keyword search for scholarships and review the criteria to see if your qualifications are a match

Learn More

Financial AidTuition and Fees

Your Barry education is a valuable investment in your future. When considering a private education, costs may be a factor, but they need not be the determining factor. Your Barry education can be quite affordable.

We invite you to review our tuition and fee schedule. You should also check with staff in Barry's Offices of Financial Aid and Student Accounts. They are here to help you and your family by providing guidance in financial planning and financial assistance.

Tuition and Fees

Your Barry education can be quite affordable.

Cost of Attendance (Academic year 2026-2027)

August 2026 through May 2027

	On campus	Off campus w/o family	Off campus with family
Tuition	$35,600	$35,600	$35,600
Books	$1,500	$1,500	$1,500
Housing/Food	$15,290	$19,202	$2,602
Personal Expenses	$4,354	$4,354	$4,354
Transportation	$1,792	$1,792	$1,792
Student Services Fee	$1,000	$1,000	$1,000
Federal Loan Fees	$116	$116	$116
Total COA	$59,652	$63,564	$46,964
Direct Costs	$51,890	$36,600	$36,600

August 2026 through May 2027


Tuition
On campus $35,600	Off campus w/o family $35,600	Off campus with family $35,600
Books
On campus $1,500	Off campus w/o family $1,500	Off campus with family $1,500
Housing/Food
On campus $15,290	Off campus w/o family $19,202	Off campus with family $2,602
Personal Expenses
On campus $4,354	Off campus w/o family $4,354	Off campus with family $4,354
Transportation
On campus $1,792	Off campus w/o family $1,792	Off campus with family $1,792
Student Services Fee
On campus $1,000	Off campus w/o family $1,000	Off campus with family $1,000
Federal Loan Fees
On campus $116	Off campus w/o family $116	Off campus with family $116
Total COA
On campus $59,652	Off campus w/o family $63,564	Off campus with family $46,964
Direct Costs
On campus $51,890	Off campus w/o family $36,600	Off campus with family $36,600

NOTE:
Direct Cost for On-Campus includes Tuition, Room/Board, Student Services Fee
For Off- Campus it is Tuition and Student Services Fee

Cost of Attendance (Adult Learner)

Academic year 2026-2027

Component	Fall/Spring
Tuition	$12,000
Books	$1,848
Housing/Food	$21,240
Personal Expenses	$7,882
Transportation	$6,058
Student Services Fee	$1,000
Federal Loan Fees	$116
Total COA	$50,144

Academic year 2026-2027

Component
Tuition
Fall/Spring $12,000
Books
Fall/Spring $1,848
Housing/Food
Fall/Spring $21,240
Personal Expenses
Fall/Spring $7,882
Transportation
Fall/Spring $6,058
Student Services Fee
Fall/Spring $1,000
Federal Loan Fees
Fall/Spring $116
Total COA
Fall/Spring $50,144

Cost of Attendance (Adult Learner - Dependent)

Academic year 2026-2027

Component	On campus
Tuition	$12,000
Books	$1,848
Housing/Food	$3,268
Personal Expenses	$5,118
Transportation	$2,016
Student Services Fee	$1,000
Federal Loan Fees	$116
Total COA	$25,366

Academic year 2026-2027

Component
Tuition
On campus $12,000
Books
On campus $1,848
Housing/Food
On campus $3,268
Personal Expenses
On campus $5,118
Transportation
On campus $2,016
Student Services Fee
On campus $1,000
Federal Loan Fees
On campus $116
Total COA
On campus $25,366

Cost of Attendance (UG AP/Fully Online)

Academic year 2026-2027

Component	On campus
Tuition	$7,080
Books	$1,848
Housing/Food	$21,240
Personal Expenses	$7,882
Transportation	$4,257
Student Services Fee	$1,000
Federal Loan Fees	$116
Total COA	$43,423

Academic year 2026-2027

Component
Tuition
On campus $7,080
Books
On campus $1,848
Housing/Food
On campus $21,240
Personal Expenses
On campus $7,882
Transportation
On campus $4,257
Student Services Fee
On campus $1,000
Federal Loan Fees
On campus $116
Total COA
On campus $43,423

ResourcesImportant Links

Check out these sites for general information about financial aid, a description of the process, the programs available, and links to dozens of other financial aid related sites.

Looking for scholarships? There are plenty of free scholarship search programs on the Internet, just a click away! Explore the possibilities.

- Completing the FAFSA
  (Free Application for Federal Student Aid)
- Self-Service Student Portal
  Step-by-step guide
- The Student Guide
- Florida Office of Student Financial Assistance
  Lists all of the State of Florida Scholarships and Grants
- The Financial Aid Information Page by Mark Kantrowitz
  The Best Source of Financial Aid & Scholarship Information
- Funding Your Education, US Department of Education
- Financial Aid Estimator Form
  Estimate Your EFC (Need)
- FAFSA
  U.S. Department of Education FREE Application for Federal Student Aid Web
- Create and Manage FSAID
- FastWEB
  (Financial Aid Scholarship Search Program)
- Collegeboard Scholarship Search
- Scholarship Scam Alert
- FAAdvisor Scholarship Search
- Hispanic Association of Colleges and Universities
- Black Excel

ResourcesFinancial Aid Forms

Pay close attention to deadlines and respond to any financial aid document requests from Barry University promptly.

Failure to do so can result in cancellation of financial aid, which may result in late fees and/or a balance due.

If documents are submitted within the last 10 days of the semester, there is no guarantee financial aid can be processed in time to cover your costs for that semester.

To submit forms, please sign into the Financial Aid Portal.

ResourcesGuide to your Financial Aid Offer Letter

Your Financial Aid award letter lists the names of the financial aid awards for which you are eligible, along with the amounts. Your award letter generally consists of awards from different sources: institutional, federal, state, or outside.

This guide describes some of the most common awards you may receive, and isn't meant to be a complete listing. If you have questions about any of your awards, please contact the Financial Aid Office.

Guide to your financial aid offer letter

Financial AidPolicies and Procedures

Barry University financial aid professionals are expected to maintain exemplary standards of professional conduct in all aspects of carrying out their responsibilities. In doing so, a financial aid professional will:
- Refrain from taking any action for personal benefit.
- Refrain from taking any action that is contrary to law, regulation, or the best interest of students, as well as parents.
- Provide information that is accurate, unbiased, and does not reflect any preference arising from actual or potential personal gain.
- Be objective in making decisions and advising the University regarding relationships with any entity involved in any aspect of student financial aid.
View Code of Conduct
As a student you have the right to:
- Know what financial assistance is available to you, including all federal, state, and institutional aid.
- Know the deadlines for submitting applications for applicable financial aid programs and the process required.
- Know how your financial need is determined, including how cost of attendance is developed.
- Know what resources are considered in the calculation of your financial need, and how much of your need has been met.
- Request an explanation of the types of aid contained in your financial aid award as well as how to retain eligibility for those funds, including the determination of Satisfactory Academic Progress.
- Request a review of your current financial situation, if you meet certain criteria, based on changes since filing the FAFSA.
- Know what portion of your aid package is grant or gift aid, and what portion must be repaid. In addition, you have the right to know interest rates, total amount to be repaid, procedures for repayment, when repayment begins, and how long you have to repay the loan.
- Know the method and frequency of financial aid disbursements.
View Student Rights and Responsibilities

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How to pay for College?

Undergraduate StudentsFinancial Aid

How To Pay For CollegeNet Price Calculator

Freshmen

Transfer

FAFSAApply for Financial Aid

One Big Beautiful Bill Act (OBBBA)

Financial AidFederal and State

Private Education Loans

(Alternative Loans)

Some Items to Consider When Choosing a Private Loan

Historical Lender List

Code of Conduct for Financial Aid Professionals

TRUTH IN LENDING ACT (TILA) AND PRIVATE LOANS

Financial AidTuition Discounts

Financial AidTransfer and International Students

Transfer Students

International Students

Veterans/MilitaryHonorably Discharged Assistance Program

GuidelinesTuition Exchange

OverviewProfessional Judgment and Appeals

Satisfactory Academic Progress

Scholarships and Grants

Merit-based ScholarshipsScholarships

Talent ScholarshipsScholarships

Leadership and Service ScholarshipsScholarships

Other Barry Funded Scholarships and GrantsScholarships and Grants

Barry University Access GrantsGrants

Barry Scholarship SystemScholarship System

Tuition DiscountsDiscounts

Net Price CalculatorCalculator

Federal Grant ProgramsGrants

Free Scholarship Money!Barry University Scholarship System

Financial AidTuition and Fees

Cost of Attendance (Academic year 2026-2027)

August 2026 through May 2027

August 2026 through May 2027

Cost of Attendance (Adult Learner)

Academic year 2026-2027

Academic year 2026-2027

Cost of Attendance (Adult Learner - Dependent)

Academic year 2026-2027

Academic year 2026-2027

Cost of Attendance (UG AP/Fully Online)

Academic year 2026-2027

Academic year 2026-2027

ResourcesImportant Links

General Financial Aid Information

Scholarships

ResourcesFinancial Aid Forms

ResourcesGuide to your Financial Aid Offer Letter

Financial AidPolicies and Procedures

Code of Conduct for Financial Aid Professionals

Student Rights and Responsibilities

As a student you have the right to:

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