phd with grant

30 Fully Funded Ph.D. Programs

These fully funded Ph.D. programs are in fields like business, computer science, education and nursing.

(Getty Images) |

Many Ph.D. programs are fully funded.

Students interested in graduate research in various fields, from public health and English to computer science and engineering, have numerous options for Ph.D. programs that offer full funding. These programs typically provide waived tuition and fees and an annual stipend. Some also offer health insurance and other benefits. Gaining admittance into these small cohorts can be highly competitive, and the programs can be time-consuming . Here are 30 fully funded Ph.D. programs at U.S. colleges and universities. Keep in mind this is not a comprehensive list – there are others out there.

• Ph.D. in anthropology at the University of Chicago

Anthropology Ph.D. students at the University of Chicago can receive funding for up to eight years of study, assuming they are in good standing at the university. During that time, they will receive a full-tuition scholarship plus health insurance and a living stipend – which equated to $33,000 for the 2022-2023 school year – and can apply for external fellowships.

Ph.D. in biological sciences in public health at Harvard University (MA)

Harvard University's T.H. Chan School of Public Health in Boston offers a Ph.D. in biological sciences in public health that aims to provide students with expertise in disease prevention and treatment. This program includes tuition, a stipend and health insurance for five years as long as the student maintains satisfactory academic progress. International students receive the same benefits. Current research in the school's laboratories involves diseases like AIDS, cancer, diabetes, kidney disease, malaria and tuberculosis.

(Dominick Reuter) |

• Ph.D. in business at Massachusetts Institute of Technology

Students enrolled in the Sloan School of Management at the Massachusetts Institute of Technology can study a range of fields like organization studies, accounting and information technology. Those pursuing a Ph.D. will receive a full-tuition scholarship plus a monthly stipend of $4,267, capped at $51,204. They will also receive medical insurance, new laptops at the beginning of their first and fourth years of study and $4,500 over five years for conference travel expenses.

(Tommy Lavergne | Rice University)

Ph.D. in business at Rice University (TX)

At the Rice University Jones Graduate School of Business in Texas, students enjoy full financial assistance upon admission to the Ph.D. program. Aiming to prepare students to teach in fields like accounting, finance, organizational behavior and strategic management, the program provides students with a research or teaching assistantship. Students receive a tuition waiver and a $40,000 annual stipend contingent on making satisfactory academic progress and maintaining full-time student status.

Office of Strategic Communication | University of Iowa

• Ph.D. in business at the University of Iowa

The University of Iowa's Tippie College of Business offers Ph.D. degrees in fields such as accounting, economics, business analytics and marketing. The college says it provides full funding to "virtually all admitted students." This includes tuition and fees, a minimum nine-month stipend of about $20,000 with annual adjustments and comprehensive health insurance covered at 90%. Some departments offer funding for research presentations at major conferences, summer fellowships and paid time off for independent research.

Ph.D. in chemical engineering at Cornell University (NY)

According to Cornell University 's website, all students admitted to the chemical engineering Ph.D. program at the New York school receive a full tuition waiver, health insurance and a stipend. This funding can come from a teaching assistantship, research assistantship or fellowship, and full stipends are granted for nine months with the likelihood of additional aid in the summer.

Chris Taggart | Columbia University

Ph.D. in clinical psychology at Columbia University (NY)

Students enrolled in Columbia University 's Ph.D. program in clinical psychology at the Teachers College in New York receive fully funded tuition and a $25,000 stipend annually for three years. The stipend also carries into a student's fourth year. These doctoral fellows "may be expected to serve" as graduate teaching or research assistants. Students typically complete the mentor-matched program, which includes a full-year internship, in five to seven years.

Ph.D. in computer science at Brown University (RI)

Brown University 's Ph.D. students in computer science have access to "full financial support while completing the degree," plus the option to take classes at nearby schools without incurring additional costs, according to the school's website. In fact, doctoral students in any program at the Rhode Island university are guaranteed five years of financial support, which includes tuition remission, a stipend, health services fees and a subsidy for health insurance.

Georgetown University |

Ph.D. in computer science at Georgetown University (DC)

Georgetown University 's Ph.D. program in computer science provides scholarships and assistantships that cover full tuition at the Washington, D.C., school and include a stipend and health insurance for the first five years. Once enrolled in the program, students must complete the Apprenticeship in Teaching Program and ultimately write and defend a full research dissertation in a seminar open to the public.

Ph.D. in computer science at Washington University in St. Louis

Ph.D. students in the computer science or computer engineering program at Washington University in St. Louis receive full tuition support and health insurance. According to the university's website: "As a doctoral candidate, you will also receive a generous stipend to cover living expenses and a new, high-end Apple laptop computer. This support is guaranteed as you continue to make satisfactory progress towards your degree." Doctoral students may also qualify for one of three fellowships.

Jeff Miller | UW-Madison

• Ph.D. in counseling psychology at the University of Wisconsin—Madison

Incoming Ph.D. students at the School of Education at the University of Wisconsin—Madison are guaranteed full funding for the duration of the time that they are expected on campus, according to the university's department of counseling psychology website. Doctoral students also receive a benefits package that includes health insurance. Funding may come from financial aid, fellowships, assistantships and/or traineeships.

Emory University |

Ph.D. in economics at Emory University (GA)

Students enrolled in the economics Ph.D. program at Emory University typically receive full funding, according to the Georgia university's website. The stipend provided to students is $36,376 per year for five years, starting in fall 2023, and the full tuition scholarship is worth $70,200 per year. Funding for admitted students also includes a $4,370 annual subsidy that covers 100% of a student's cost of health insurance. First-year students have no stipend-related work requirements.

• Ph.D. in education at New York University

New York University's Steinhardt School of Culture, Education, and Human Development offers more than 30 degree programs. Many can be pursued on campus or online. Ph.D. degrees are offered in areas like developmental psychology, educational leadership and childhood education. Full-time NYU Steinhardt Ph.D. students are eligible for a funding package that includes an annual stipend – $32,000 for the 2022-2023 academic year – tuition coverage for required coursework and student health insurance for five years.

L.A. Cicero, Stanford News Service |

Ph.D. in education at Stanford University (CA)

Stanford University's Graduate School of Education allows students numerous fellowship and assistantship opportunities at the California school, along with a "five-year funding guarantee that provides tuition aid, fellowship stipend, and assistantship salary, and covers the standard cost of attendance," the program website reads. At the Graduate School of Education, doctoral students can choose from a range of academic areas like curriculum studies and teacher education, and developmental and psychological sciences.

• Ph.D. in education at the University of Pennsylvania

The University of Pennsylvania Graduate School of Education provides full funding to Ph.D. students as part of a fellowship and research apprenticeship package. This funding includes a living stipend, health insurance and coverage of tuition and fees for up to four years if the student maintains full-time enrollment. Some students may also qualify for additional summer funding.

• Ph.D. in engineering at the University of Michigan—Ann Arbor

Doctoral students in engineering at the University of Michigan—Ann Arbor can choose from numerous areas of specialization under umbrella categories like aerospace engineering, biomedical engineering, macromolecular science and engineering, and robotics. All engineering doctoral students are guaranteed full funding, a monthly living stipend and health insurance. The exact amount can vary, according to the program's website, and funding comes from a range of sources, including graduate student instructor positions and fellowships.

Boston University Photography |

• Ph.D. in English at Boston University

Annually, doctoral students studying English at Boston University receive a stipend plus full tuition, fees and basic health insurance. This funding is guaranteed for at least five years, with two of those years typically free from teaching requirements. Funding can sometimes be extended up to seven years, according to the university's website, but it's not guaranteed. Students may also apply for various prizes, fellowships and short-term research and travel grants.

(Stephanie Diani) |

• Ph.D. in English at the University of California—Los Angeles

Applicants to the Ph.D. in English program at the University of California—Los Angeles are automatically considered for various funding options. A six-year funding package includes "a minimum of two years of full fellowship, four years of summer stipend support and up to four years of teaching assistantships," according to the school website. Beyond tuition, fees and health insurance are also covered.

Jeff Watts |

Ph.D. in international relations at American University (DC)

American University offers doctoral students in its international relations program who do not have external funding a renewable four-year Dean's Fellowship that is contingent on making satisfactory academic progress. The fellowship includes the cost of tuition, fees and a stipend that must be earned via a part-time role as a teaching or research assistant. Students also must "demonstrate competency in a modern foreign language" before graduating.

Jonathan Cohen | Binghamton University

• Ph.D. in management at Binghamton University—SUNY

All students admitted to the interdisciplinary management Ph.D. program at the Binghamton University—SUNY School of Management in New York receive a combination of a full-tuition scholarship and a teaching or research assistantship for each academic year, up to four years. This STEM-designated business doctoral degree prepares students for careers in academia and work in the public and private sectors, and has a student-faculty ratio of 1-to-1, according to the university's website.

Duke University Communications |

Ph.D. in materials science and engineering at Duke University (NC)

Doctoral students at Duke University in North Carolina studying materials science and engineering generally receive full tuition, a stipend and fee support for the first five years. Students also receive up to six years of health insurance if they are on the university's student medical insurance plan. The doctoral program aims to help students publish with a faculty adviser and develop research skills, with the opportunity to present research at professional conferences.

Homewood Photography | JHU

Ph.D. in nursing at Johns Hopkins University (MD)

The School of Nursing at Johns Hopkins University in Maryland provides most doctoral students with three fully funded years of study. Available financial aid includes graduate assistantships, targeted fellowships and nursing-specific funding. The university aims to "advance the theoretical foundation of nursing practice and healthcare delivery" with the degree, its website reads. "By graduation, most Hopkins nurse scholars have been awarded grants that continue their research and set them well on their way to a successful career."

• Ph.D. in nursing at the University of Virginia

All students admitted to the University of Virginia 's Ph.D. in Nursing program are eligible for four years of scholarship funding to cover tuition, insurance and fees, as well as annual stipends. To receive certain aid, students must work 10 hours per week as a graduate teaching assistant. With a heavy research focus, students can expect courses in qualitative, quantitative and historical research, and will have to submit a research proposal for peer review.

Ph.D. in nursing at Yale University (CT)

At Yale University in Connecticut, the School of Nursing offers full funding to its Ph.D. students. They receive a monthly stipend for four years in addition to paid tuition and health care. The program allows students to gain in-depth knowledge in a particular area of study. Every incoming Ph.D. student gets paired with a faculty adviser "whose area of expertise and active research most closely matches with the student’s scholarly interest," according to the school's website.

University of Minnesota |

• Ph.D. in psychology at the University of Minnesota—Twin Cities

Students admitted to the Ph.D. program to study psychology at the University of Minnesota—Twin Cities are guaranteed full funding for five years as long as they maintain satisfactory performance and degree progress. This funding includes full-time tuition, a nine-month stipend and subsidized health insurance. Funding comes from some combination of teaching assistantships, traineeships, research assistantships and fellowships. Students in the program can specialize in areas like cognitive and brain sciences, industrial-organizational psychology and social psychology.

Matt Cashore | University of Notre Dame

Ph.D. within the Romance languages and literatures department at the University of Notre Dame (IN)

University of Notre Dame doctoral students who focus on French and Francophone studies, Iberian and Latin American studies or Italian studies are guaranteed five years of funding. Funding includes a full scholarship, including tuition and fees, plus a stipend and health insurance. Anyone who completes the Ph.D. degree requirements at the Indiana university within five years will automatically receive a one-year postdoctoral fellowship via the university's 5+1 Program. Fellows will have a teaching load limited to one course per semester.

Ph.D. in social work at Bryn Mawr College (PA)

Students admitted to Bryn Mawr College 's Ph.D. program in social work receive full tuition waivers and "substantial stipends" toward living expenses. The Pennsylvania college's website says: "Consistent with our model, all Ph.D. students are funded equally, and do not compete for basic financial support during coursework." The program's cohorts typically include only three or four students each year. According to the college, it awarded the first Ph.D. degree in social work in the U.S. in 1920.

Vanderbilt University |

Ph.D. in special education at Vanderbilt University (TN)

Funding is guaranteed for all admitted doctoral students enrolled in the special education Ph.D. program at the Peabody College of Education and Human Development at Vanderbilt University in Tennessee. This includes full tuition, a "competitive" monthly stipend and health insurance for up to four years. Students may also be nominated for additional honor scholarships and fellowships. Areas of focus within the Ph.D. program include high-incidence disabilities and early childhood education.

Ph.D. in theatre and drama at Northwestern University (IL)

This interdisciplinary Ph.D. program at Northwestern University in Illinois combines coursework in humanities, social science and the visual arts. The program's students receive a five-year full-tuition scholarship plus an annual living stipend. Ph.D students enrolling at this program in fall 2022 will receive a living stipend of at least $36,960 during the 2023-2024 school year. Stipend amounts may change from year to year. Students can apply for subsidies to facilitate conference travel and summer language study.

(Photo by Sarah L. Voisin | The Washington Post via Getty Images)

• Ph.D. in women, gender and sexuality studies at University of Maryland

At the University of Maryland 's Harriet Tubman Department of Women, Gender and Sexuality Studies, Ph.D. students without a master's degree usually have five years of guaranteed funding. Those with a master's degree usually are funded four years, with awards stemming from a mix of departmental fellowships and graduate teaching assistantships. Since the program's establishment in 1999, the department has granted 36 Ph.Ds, according to UMD's website.

Learn more about paying for graduate school.

Finding a fully funded program isn't the only option to offset the costs of graduate school. See these seven strategies to pay for graduate school to learn more. Check out the latest Best Graduate Schools rankings to see the country's top business, medicine and law programs – and more. For additional grad school tips, follow U.S. News Education on Facebook , Twitter and LinkedIn .

Ph.D. programs that are fully funded

• Ph.D. in biological sciences in public health at Harvard University
• Ph.D. in business at Rice University
• Ph.D. in chemical engineering at Cornell University
• Ph.D. in clinical psychology at Columbia University
• Ph.D. in computer science at Brown University
• Ph.D. in computer science at Georgetown University
• Ph.D. in computer science at Washington University—St. Louis
• Ph.D. in economics at Emory University
• Ph.D. in education at Stanford University
• Ph.D. in international relations at American University
• Ph.D. in materials science and engineering at Duke University
• Ph.D. in nursing at Johns Hopkins University
• Ph.D. in nursing at Yale University
• Ph.D. within the romance languages and literatures department at the University of Notre Dame
• Ph.D. in social work at Bryn Mawr College
• Ph.D. in special education at Vanderbilt University
• Ph.D. in theatre and drama at Northwestern University

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50 Best Scholarships for Ph.D. Students

Reviewed by David Krug David Krug is a seasoned expert with 20 years in educational technology (EdTech). His career spans the pivotal years of technology integration in education, where he has played a key role in advancing student-centric learning solutions. David's expertise lies in marrying technological innovation with pedagogical effectiveness, making him a valuable asset in transforming educational experiences. As an advisor for enrollment startups, David provides strategic guidance, helping these companies navigate the complexities of the education sector. His insights are crucial in developing impactful and sustainable enrollment strategies.

Updated: May 30, 2024 , Reading time: 27 minutes

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Data Points:

• Roughly 47% of first-generation doctoral students hold undergraduate student loans * , compared to only 31% of continuing-generation students.
• About 65% of scholarships ** to help pay for higher education are offered by the college or university. Other sources of scholarships are states (37%) and non-profits or companies (35%).
• 86% believe *** that earning a scholarship “is something to be proud of.”

“First, you get your bachelor’s degree, and you think you know everything. Then, you get your master’s degree, and you realize you don’t know anything. Then you get your doctorate, and you find out that nobody knows anything.”

While we can’t find information on who said these words, we can’t help but laugh! You, a student pursuing your doctoral degree, may even laugh at it because there’s a grain of truth to it. Your doctoral dissertation, after all, will likely be about creating new knowledge or building on old knowledge because “nobody knows anything” in a manner of speaking. 

But why are you pursuing a doctoral degree when your master’s degree will suffice for most jobs? There are even people who believe that it’s a waste of time and money for many reasons. Some people push for it because of the numerous benefits that it brings.

So, which one’s a better perspective? A doctoral degree is about contributing to the existing body of knowledge through original research. It is considered an introduction to independent research in your chosen field, with your doctoral dissertation as the first of many intellectual masterpieces .

Let’s first take a look at the unfavorable view because there’s also some merit to it. For one thing, there’s the cost of doctoral education that, in U.S. universities, the average is $133,340 . In Ivy League universities, the cost can be higher – at Harvard University, for example, the full tuition needed for the first two years of study is $54,032, exclusive of health insurance, housing, books and supplies, and food expenses.

Yes, indeed, it isn’t cheap to get a doctoral degree in the United States , not even in one of the lesser-known universities!

In addition, there’s a sense of dissatisfaction among doctoral students. You may feel, at one point, that you’re doing slave labor, no thanks to the 10-hour workdays and low pay during your research.

Your employment prospects may also seem uncertain, considering the competition due to the oversupply of Ph.D. holders. The number of Ph.D. holders exceeds the number of employment opportunities for them, too! Such a disconnection partly stems from the high degree of specialization required to get a doctoral degree, not to mention that Ph.D. holders have high employment expectations.

Still, the number of doctoral degree holders in the U.S. has more than doubled between 2000 and 2018! In 2000, there were 2 million Ph.D. holders, and by 2018, there were already 4.5 million. Why do people pursue doctoral degrees despite the myriad of challenges that come with them?

Here’s why.

• You have a clear edge in getting higher positions and, thus, higher pay. Studies have shown that a Ph.D. is a contributing factor toward earning over 20% more than people with master’s degrees. In a PayScale comparison, Ph.D. holders earned $107,000 per year, on average, while master’s degree holders earned $84,000 .
• Your specialized knowledge and skills are highly marketable. You will likely enjoy a flexible career path, whether you choose a career in public service or the private sector. Your career will also be characterized by the highest lifetime earning potential and the lowest unemployment rate! Your Ph.D. training will also strengthen your critical thinking and complex problem-solving skills, which are highly sought after by employers.
• You will be a recognized knowledge creator, a rare skill sought after by society and employers, too. You have gained both the discipline and ability to search for, introduce, and defend new knowledge, even under the most stringent scrutiny. Your competencies will lead to a leadership position as you gain respect and prestige.

Are you still worried about the financial expenses of getting a Ph.D. in your field? We completely understand that $ 50,000 plus per year plus the difficulties of juggling work, studies, and family responsibilities will break a person. But you can achieve your doctoral degree through scholarships and grants!

This isn’t a new concept either, as millions of Ph.D. holders have also achieved such a lofty goal. Many of them have been scholars and fellows for most, if not all, of their studies – and it’s a path you can take, too, with plenty of planning and networking.

You have dozens, if not hundreds, of scholarship and fellowship opportunities in your field of study, not to mention the ones offered without restrictions as to the field of study. The trick here is to diligently look for these opportunities, applying to as many as you are qualified for, and complying with the requirements.

You may have to apply every semester or academic year for a new scholarship or fellowship, but it’s worth the time and effort. You could be lucky and be one whose studies were financed through scholarships and grants from year one, although luck has little to do with it because you spent time looking and qualifying for the scholarships you deserve!

Here, we present you with 50 of the Best Scholarships and Fellowships for Doctoral Students that we think are worthy of your consideration.

April 2024 Deadline

IBRO Travel Grants

• Type of Scholarship: Annual
• Amount: $2,500 
• Deadline of Application: April 30, 2024

IBRO Travel Grants support PhD students and early-career post-doctoral neuroscientists by covering travel and local expenses for conferences. Preference is given to under-resourced, less well-funded countries. Nevertheless, students studying and residing in the United States can still apply for the grant. 

ScholarshipOwl No Essay Scholarship

• Amount: Up to $50,000 (shared)
• Deadline of Application: April 29, 2024 

The ScholarshipOwl No Essay Scholarship is available to all types of students, including PhDs. Applicants can win multiple awards with a $50,000 scholarship, with four monthly winners earning $1,000 each and two additional winners in December 2024. Applicants must be residents of any 50 United States, District of Columbia, or U.S. Territories, except for Rhode Island and Michigan.

May 2024 Deadline

Separations Division Graduate Student Research Award

• Amount: $200 + plaque
• Deadline of Application: May 1, 2024 

AIChE is the leading global organization for chemical engineering professionals. It boasts over 60,000 members from 110 countries and administers over 60 awards, including monetary prizes, certificates, and medals. The $200 award may seem small, but the benefits extend far beyond its monetary value.

This award honors outstanding graduate scholars in separations, recognizing their contributions to fundamentals and applications and awarding a plaque. Recipients gain recognition within the field, enhancing their professional credibility and giving them access to new opportunities. 

“Be Bold” No-Essay Scholarship

• Type of Scholarship: Annual (Non-renewable)
• Amount: $25,055
• Deadline of Application: May 1, 2024

Bold.org offers a $25,000 “Be Bold” No-Essay Scholarship to students with the boldest profiles. The scholarship is based on the characteristics of being earnest, determined, and moving. It is similar to many easy scholarships available on Bold.org and will be awarded to students who apply earlier. The scholarship is open to students at any education level, state, field of study, and GPA.

Valuing Diversity PhD Scholarship

• Amount: Varies
• Deadline of Application: May 27, 2024, 1:00 PM

The Valuing Diversity PhD scholarship program was made to encourage underrepresented populations to attend marketing doctoral programs. The amount given to applicants depends on the program’s funding and the number of recipients. If you’ve applied for this scholarship opportunity before, you can still reapply. 

Applicants should be enrolled in and have completed at least one year of an on-campus AACSB-accredited marketing or advertising doctoral program. Two signed letters of recommendation are required.

Wenner-Gren Foundation Dissertation Fieldwork Grant

• Type of Scholarship: Annual (Non-renewable) 
• Amount: $25,000 
• Deadline of Application: May 1, 2024 (for January 1 and June 30, 2025 projects) November 1, 2024 (for July 1 to December 31, 2025 projects)

Applicants must be on-campus enrollees of an AACSB-accredited marketing or advertising doctorate and have completed at least one year. Two signed letters of recommendation are required.

Independent Research Awards (pediatric cardiology)

• Type of Scholarship: Annual (Renewable)
• Amount: $150,000 up to 2 years
• Deadline of Application: May 22, 2024 (letters of intent); and September 11, 2024 (full application)

The Children’s Heart Foundation funds research affecting patients with congenital heart disease. This award is given to doctoral students in clinical cardiology, translational research, and population science. It gives priority to researchers focusing on advancing the diagnosing, treating, and preventing congenital heart defects.

ASH Graduate Student Scholarships

• Amount: $5,000 
• Deadline of Application: May 22, 2024

The American Speech-Language-Hearing Foundation offers Graduate Student Scholarships for undergraduate, master’s, and doctoral students in communication sciences and disorders. These scholarships include International Student Scholarships, Minority Student Scholarships, and NSSLHA Scholarships for racial or ethnic minority students.

Applicants must be accepted in U.S. graduate communication sciences and disorders programs accredited by the Council on Academic Accreditation. They must be full-time students for the entire academic year.

Graduate Fellowship in the History of Science

• Deadline of Application: May 24, 2024 

The American Meteorological Society Graduate Fellowship in the History of Science supports students completing dissertations on atmospheric, oceanic, or hydrologic sciences. This fellowship aims to foster close working relations and provide a $20,000 stipend for one year. Applicants must submit a cover letter, transcripts, a detailed dissertation topic description, and three letters of recommendation.

Sheep Heritage Foundation Memorial Scholarship

• Amount: $3,000
• Deadline of Application: May 31, 2024

Although less known, the sheep industry is a big contributor to the country’s economy. The Sheep Heritage Foundation Memorial Scholarship, administered by the American Sheep Industry Association, is a large program for students pursuing sheep-related studies. This Fund is given out yearly to those dedicated to helping advance the U.S. sheep industry, wool, and lamb.

Applicants must have U.S. citizenship, involvement in sheep and wool research, and be enrolled full-time in an accredited U.S. institution.

June 2024 Deadline

John Santos Distinguished Program Development in Clinical Gerontology Award

• Amount: $1,500
• Deadline of Application: June 1, 2024

John Santos, a retired Retirement Research Fund board member, established an award in 2009 to honor the contributions of psychologists and students working with older adults. Candidates must be nominated and endorsed by a division member, providing a letter of nomination, CV, evidence of impact, and two additional letters of support.

Kay F. Fullwood Northeast Florida Geriatric Nursing Scholarship Fund

The scholarship is open to nursing students in Northeast Florida enrolled in an accredited graduate program focusing on geriatrics and practicing geriatric N.P.s in an accredited DNP program. 

Henry and Sylvia Richardson Research Grant

• Type of Scholarship: Annual 

The grant, established by Henry and Sylvia Richardson, offers research funds to post-doctoral ESA members with at least one year of experience in insect control. The recipient must be an ESA member and a highly skilled scholar working with insect control methods like attractants, repellents, biological controls, thermocontrols, or chemical controls.

F.J. McGuigan Dissertation Award

• Amount: $2,000
• Deadline of Application: June 5, 2024

The F. J. McGuigan Dissertation Award supports research on mental function and understanding the mind from behavioral and neural perspectives. The award is open to any area of behavioral or brain science. Applicants must meet specific criteria: quality, viability, originality, competence, and resource allocation. Candidates must have finished their PhD candidacy and received committee approval for their dissertation.

Aylesworth Scholarship 

• Deadline of Application: June 12, 2024

The Aylesworth Scholarship offers support to students enrolled in universities across Florida. Eligible applicants can pursue research in any academic field that pertains to marine sciences, provided their institution participates in the Florida Sea Grant program. 

To qualify, candidates must be U.S. residents, actively seeking a doctoral degree, and studying disciplines such as ocean science, biology, engineering, economics, marine science, or food science. Additionally, applicants must be full-time students attending a Florida-based institution and demonstrate financial need to be considered for this scholarship.

Niche $25,000 “No Essay” Scholarship  

• Deadline of Application: June 15, 2024

This is one of the most inclusive scholarships, open to U.S. students with U.S. citizenship or a valid Visa/U.S. passport. However, because recipients are picked through a random draw, those affiliating with Niche cannot apply. This includes employees, officers, directors, and their children, grandchildren, or those affiliated with Niche’s other partnering organizations. 

This scholarship is also only applicable to students planning to study in one of Niche’s listed colleges .

Wayne F. Placek Grants

• Amount: Up to $15,000

The Wayne F. Placek Grant, which has been awarded over $1 million since 1995, aims to enhance public understanding of homosexuality and sexual orientation. It helps fund research and initiatives for doctoral students that focus on alleviating stress experienced by the LGBTQ community. This includes addressing prejudice, discrimination, and underrepresentation in scientific research.

APF welcomes applicants from diverse backgrounds, including doctoral-level researchers and graduate students, and encourages early career researchers and graduate students.

CVS Health / AACP Community Pharmacy Health Equity Award for Student Pharmacists

• Amount: $20,000 
• Deadline of Application: June 16, 2024

This award is given to 21 students annually who demonstrate high academic performance and those who overcome financial barriers. Underrepresented minority, disabled, and military service students are encouraged to apply. The award recognizes leadership, academic success, and commitment to patient care in underserved communities.

The Springfield Research Fund Dissertation Fellowship

• Amount: Up to $10,000

Springfield Research Fund Dissertation Fellowship offers graduate students the opportunity to research contemporary LGBTQIA+ issues, aiming to dispel stereotypes and negative information contributing to prejudice and discrimination. Intersectional stigmas will be prioritized in 2024. It offers a $10,000 fund for each recipient, with a $1,000 bonus upon publication. 

Applicants must have begun their doctoral studies in a regionally accredited university. They must submit a dissertation abstract, statement of need, and CV.

ONS Foundation Josh Gottheil Memorial Stem Cell Transplant Development Award

Josh’s Fund, established in 1994, awards educational grants to oncology nurses to support their professional development. It also establishes endowments for emotional and mental support. 

Among ONF’s several awards is the Josh Gottheil Memorial Stem Cell Transplant Development. It aims to offer financial assistance to non-advanced practice-level registered nurses in stem cell transplantation and bone marrow. Applicants must have one or more years in practice.

Dr. James T. Mellonig Regeneration Research Award

• Amount: $10,000
• Deadline of Application: June 2024

The Dr. James T. Mellonig Regeneration Research Award is given annually to periodontology residents who are advancing clinical therapies in periodontal regeneration. U.S. students in their second and third years of periodontal residency are eligible for this award. Applicants must also have completed original research and published a manuscript advancing periodontal regeneration clinical therapies.

The Rotary Foundation Global Grant Scholarships

• Amount: $30,000 up to 400,000 (international coursework or research of up to 4 years)
• Deadline of Application: June 30, 2024

The Rotary Foundation Global Grant Scholarships program is open to full-time Ph.D. students involved in peace and conflict prevention or resolution, disease prevention and treatment, and water and sanitation. Applications can be made via a local Rotary Club chapter, and the chapter must sponsor non-Rotarians applying for the scholarship. The chapter creates the applicants’ initial application, and the latter then completes the online scholar profile.

The amount can be used for various costs, including passport/visa, travel expenses, tuition and other fees, vaccinations, school supplies, room and board, and household supplies. Application is year-round. However, scholarship applications for August, September, or October studies must be submitted by 30 June.  

July 2024 Deadline

Marketing Research Grant

• Deadline of Application: July 15, 2024

Offered by the Harold & Muriel Berkman Charitable Foundation, Inc., this Marketing Research Grant is applicable to students enrolled in an AACSB-accredited program. It gives priority to applicants who are focused on scientific research and knowledge production in business administration. 

Marian R. Stuart Grant

• Amount: Up to $20,000
• Deadline of Application: July 10, 2024

The APF Marian R. Stuart Grant offers up to 20,000 USD to early-career researchers researching mental and physical health. While APF welcomes applicants from diverse backgrounds, preference is given to psychologists in medical schools.

MNF Ph.D. Research Grants

• Deadline of Application: July 12, 2024

The Mississippi Nurses Foundation is a non-profit organization that raises, accepts, and distributes charitable donations to enhance Mississippi’s professional nursing and overall health. Among its scholarships is the MNF Ph.D. Research Grants, which aim to help nursing professionals complete their original research. Applicants must be in good standing in a PhD Nursing program in Mississippi, a Mississippi resident, and a Mississippi Nurses Association member.

August 2024 Deadline

Brigadier General Albin F. Irzyk Veteran Scholarship

• Deadline of Application: Opens May 1, 2024, ends August 31, 2024 

The Harold and Muriel Berkman Charitable Foundation has established a scholarship in honor of Brigadier General Albin F. Irzyk, renowned for his World War II and Vietnam War achievements. This scholarship program accepts applicants from online and on-campus AACSB-accredited degree programs. It is awarded to an exceptional veteran applicant, chosen by the review committee from the finalists.

Carole Bailey Scholarship

• Amount: $5,000
• Deadline of Application: September 18, 2024

The Carole Bailey Scholarship is offered by the AccessLex Institute, an organization focused on promoting quality legal education for purpose-driven students. This scholarship program, awarded annually to ABA-accredited law students, provides up to $5,000 for those committed to public service in a legal career.

September 2024 Deadline

YIVO Institute for Jewish Research Fellowships 

• Deadline of Application: Opens September 2024

The YIVO Institute for Jewish Research is a leading institution preserving and studying East European Jewry’s history and culture. The institute offers several fellowship programs to encourage more students to pursue research in the field and contribute to YIVO’s archives and library collections.

$5,000 awards: 

• YIVO – Joseph Kremen Memorial Fellowship: Available for postgraduate researchers studying Eastern European Jewish arts, theater, and music. 
• YIVO- Dora and Meyer Tendler Fellowship: Available for student researchers of American Jewish history and the Jewish labor movement. 
• YIVO- Abraham and Rachela Melezin Memorial Fellowship: The scholarship supports original doctoral research in Baltic Jewish studies for 2-3 months.
• YIVO-  Workmen’s Circle/Dr. Emanuel Patt Visiting Professorship: Offered to postgraduate Eastern European Jewish Studies students. This can be combined with other YIVO fellowships. 

$3,000 awards: 

• YIVO Vladimir and Pearl Heifetz Memorial Fellowship: Available for East European Jewish Literature researchers.
• YIVO Dina Abramowicz Emerging Scholar Fellowship: Intended for post-doctoral research focus on Eastern European Jewish Studies.
• YIVO Aleksander and Alicja Hertz Memorial Fellowship: The Fund supports research on Polish-Jewish history, including modern relations, the Holocaust, and Jewish contributions to Polish literature and culture.

Every fellow is also required to deliver a public lecture regarding their research. The research period should be between 2 and 3 months only. Interested applicants should submit a written summary of their respective research on acceptable topics.

YIVO – Fellowship in East European Jewish Studies

• Amount: $18,000 stipend 
• Deadline of Application: Opens in September 2024

The combined Professor Bernard Choseed Memorial Fellowship and the Natalie and Mendel Racolin Memorial Fellowship come with many benefits. Aside from the financial stipend, three months of free access to the YIVO Library and Archives are also offered for research. They, on the other hand, will be required to deliver at least two public lectures on Jewish studies.

October 2024 Deadline

Nurses Educational Funds, Inc. (NEF)

• Amount: Varies 
• Deadline of Application: Opens October 1, 2024

NEF offers several scholarship opportunities for doctoral students in the field of nursing, many of which are the result of endowments by notable nursing practitioners who want to support the continued education of professional nurses. 

• The NEF/Johnson and Johnson Health Equity Scholarship program promotes the research, advocacy and clinical practice of nursing professionals interested in underrepresented groups and addressing the health inequalities and disparities in these populations. 
• The AJN/Thelma Schorr Scholarship program has a preference for nurses with nursing leadership potential. 
• The Cynthia Davis Sculco Scholarship permanent program awarded scholarships to nurses studying nursing education at the doctoral level. 
• The M. Elizabeth Carnegie African American Scholarship program is for black nurses in doctoral degree programs. 

American Cancer Society Post-doctoral Fellowships

• Amount: Up to $66,000
• Deadline of Application: Oct. 15, 2024

ACS, the nation’s largest private, not-for-profit organization funding scientists and doctorates studying cancer, offers grants and fellowships managed by the Extramural Discovery Science (EDS) team. The Post-doctoral Fellowships are designed to help new investigators in research training programs, preparing them for independent careers in cancer research. Program funding includes

• progressive stipends of up to $70k for up to 3 years,
• an annual fellowship allowance of $4k, and
• a $1,500 travel fund. 

The application is open to U.S. citizens or non-citizens with an appropriate visa and within four years of obtaining a doctoral degree.

November 2024 Deadline

NCTM & AMTE Early Career Research Grant

• Amount: $10,000 each, maximum 
• Deadline of Application: November 1, 2024 

Granted in partnership with Eugene P. & Clara M. Smith Mathematics Education Research Fund, the Early Career Research Grant accepts applications from doctoral candidates pursuing math education degrees. The grant must be used in supporting their doctoral research project, preferably projects that bridge research and practice. 

Note that early career math educators or those who have completed either an EdD or PhD in math education or other related fields within the past five years are eligible to apply. Doctoral students will only be considered if they have advanced to candidacy status in accredited programs. 

Newberry Consortium in American Indian Studies Faculty Fellowship

• Amount: $5,000/month (Long-term fellowship for 4-9 months); $5,000/month (Short-term fellowship for a month only)
• Deadline of Application: November 1, 2024 (Long-term fellowship); December 15, 2024 (Short-term fellowship)

The American Indian Studies Faculty Fellowship is intended for scholars in the early stages of their careers who are involved in American Indian studies, specifically research in the Newberry Consortium collections. Doctoral students are welcome to apply. The monthly stipend can be used for a wide range of education-related expenses, too.

Fellows receive the NCAIS research carrel and other fellowship privileges, as well as perform responsibilities related to their research. These include research presentations, seminar participation, and consultation with other NCAIS Graduate Student Fellows.

AIA Fellowship for Study in the U.S.

• Deadline of Application: November 1, 2024

The Archaeological Institute of America (AIA) offers post-doctoral research fellowships for archaeologists working at Deutsches Archäologisches Institut (DAI) or its project collaborators. The fellowships are for either fall 2024 or spring 2025 in selected universities, including the University of Cincinnati, the Joukowsky Institute at Brown University, or the University of California at Los Angeles (UCLA).

Fellows are provided with financial support for travel expenses, a stipend for living expenses, and residency at a university housing or rental housing, as well as library privileges. The residency lasts for 2-3 months only, during which time the Fellows are expected to give a minimum of one lecture at their respective host university. 

Applications should include a duly filled-up online application form, a curriculum vitae, and two references, among others.

National Gem Consortium Ph.D. Engineering Fellowship

• Amount: $16,000 living stipend for the first academic year plus a paid summer internship
• Deadline of Application: November 8, 2024

The National GEM Consortium in Engineering Fellowship is open to Ph.D. students belonging to the minority, and who have been accepted into a doctoral program straight from a bachelor’s degree program or who have earned a master’s in Engineering. Fellows can be enrolled in any of the participating GEM member universities. 

The above-mentioned stipend applies to the first academic year of fellowship for a Ph.D. Engineering/Science Fellow. After that, the fellow will enjoy a continued living stipend up to the fifth year of Ph.D. studies through a combination of alternative funding sources. The fellow will also have his tuition and fees paid for by the GEM university member.

American Association of University Women American Fellowship Summer/Short-Term Research Publication Grants

• Amount: $8,000–$50,000
• Deadline of Application: November 30, 2024

The Summer/Short-Term Research Publication Grant is the oldest female-specific scholarship program for graduate students. Of course, only female graduate students are considered, and they must either be U.S. citizens or permanent residents. Applicants should also be available for eight consecutive weeks during the summer.

The American Association of University Women’s selection committee applies strict criteria in choosing the annual crop of scholars. The criteria include academic excellence, project originality, project design quality, project scholarly significance to the discipline, and project feasibility. The applicant’s qualifications are also considered.

History of Art Institutional Fellowships

• Amount: $30,000
• Deadline of Application: November 30, 2024 at 5 PM EST

Devoted to studying European art, architecture, and archaeology heritage, the Samuel H. Kress Foundation chooses six applicants each year to receive up to $30,000 worth of research grants. Applicants must be enrolled in a doctoral program focused on antiquity to the early 19th century. They should also be completing all higher degree work except dissertation.  

Patty and Paul Levi Research Award

The Patty and Paul Levi Research Award, offered by the American Academy of Periodontology Foundation, grants a predoctoral student or students annually. They should be doing research related to preventative periodontology under faculty supervision. The applicant can apply post-graduation, provided their research was conducted during predoctoral studies, and must submit their current C.V.s. 

December 2024 Deadline

SMART Scholarship Program

• Amount: Up to $46,000
• Deadline of Application: December 1, 2024

SMART, a Department of Defense-funded scholarship program, provides full tuition, stipends, and guaranteed employment for STEM students pursuing degrees in 24 disciplines. It aims to increase underrepresented students’ participation in the DoD STEM workforce, particularly for high school seniors in Historically Black colleges and universities.

Norman S. Baldwin Fishery Science Scholarship

Norman S. Baldwin, the inaugural executive secretary of the Great Lakes Fishery Commission, guided the organization for 15 years until his untimely passing in 1971. The Norman S. Baldwin Fishery Science Scholarship seeks to inspire talented graduate students to pursue advanced research in fishery biology and Great Lakes science, prioritizing scientific excellence and innovative inquiry.

The chosen candidates will be awarded $3,000 scholarships each, with the Awards Committee distributing them as needed. Applicants must be master’s or Ph.D. students with relevant research topics who have not been previously awarded. 

David M. Dolan Scholarship

• Amount: $1,000 
• Deadline of Application: December 1, 2024 

David M. Dolan’s scholarship, which started in 2014, honors students conducting graduate research in statistics, mathematical modeling, data analysis, or quantitative decision support to advance the understanding and management of Great Lakes ecosystems. The scholarship is open to exceptional students whose graduate research aligns with Dr. Dolan’s work on Great Lakes ecosystems but not relatives of IAGLR officers or directors.

Applicants must submit an extended abstract and a brief title for their proposed research. It should highlight how the study of the Great Lakes relates to the use of applied environmental statistics and modeling. In addition to the $3,000, recipients will receive a one-year membership in the IAGLR.

Lawren H. Daltroy Preceptorship in Health Communication

• Amount: Up to $15,000 per year 
• Deadline of Application: December 2, 2024 by 5 PM EST

The Lawren H. Daltroy Preceptorship in Health Communication from the Rheumatology Research Foundation supports student, researcher, and clinician training in rheumatology. They are among the top supporters of those who dedicate their studies to enhancing patient-clinician interactions and communications. 

Eligible candidates include trainees, junior researchers, and health professionals without funding. Projects must address patient-clinician interactions and communications, including small-scale research, curriculum creation, participation in education, patient-facing materials, health literacy/numeracy studies, and shared decision-making in healthcare settings.

AWWA Abel Wolman Scholarship

• Amount: $30,000 for one year (If necessary, a fellow can apply and be approved for the second year of financial support)
• Deadline of Application: December 2024

Students who are pursuing advanced training and research, including doctoral studies in water supply and treatment and its related fields, can apply for the Abel Wolman Fellowship. The doctoral fellowship provides financial support for up to two years to an outstanding student. Applications can be sent to the American Water Works Association (AWWA), and more information can be seen on its site.

AWWA Larson Aquatic Research Support Scholarships

• Amount: $7,000/student

Made in honor of Dr. Larson, the Larson Aquatic Research Support (LARS) scholarship is available for outstanding doctoral students engaged in the fields of science and engineering. The selection committee chooses one doctoral student every year for the scholarship, with an emphasis on excellent academics and leadership potential.

Applications must include a resume, official transcripts, three recommendation letters, and GRE scores as well as a course of study. Be sure to submit your research plans, too, with your application.

Martin Frank Diversity Travel Awards

• Amount: Up to $1,500 in travel support 
• Deadline of Application: December 8, 2024

The Martin Frank Diversity Travel Award program aims to increase participation in physiological sciences among trainees and early career faculty from historically underrepresented backgrounds. It provides travel awards to students and professionals interested in attending the American Physiology Summit. Recipients receive travel reimbursement, mentoring, and networking opportunities. The program is open to specific underrepresented populations defined by the NIH .

National Gem Consortium Ph.D. Science Scholarship

• Amount: $16,000 living stipend plus a paid summer internship

The National Gem Consortium’s PhD Science Scholarship is exclusive for students belonging to the minority in their first year of doctoral studies. Applicants should be pursuing a natural science discipline, such as earth science, chemistry, biology, mathematics, physics, and computer science. The scholarship applies to an accredited GEM member university.

Eligibility requirements include U.S. citizenship or legal residency. Applicants must maintain a 3.0 cumulative GPA and get promising GRE scores.

Frances C. Allen Fellowship

• Amount: $3,000 per month (1-2 month’s duration)
• Deadline of Application: December 15, 2024

The Frances C. Allen Fellowship is exclusive to women of American Indian heritage. Applicants must be engaged in studies related to the Newberry Research Library’s collections, and the fellow must use the resources at the Chicago, Illinois, library. Applicants should also write to the library for more details, although application forms are available on the official website.

Gil Kushner Memorial Travel Award

• Amount: $750 in travel support 
• Deadline of Application: December 20, 2024

Gilbert Kushner was key in establishing applied anthropology as a graduate discipline. Gil has made USF’s Department of Anthropology among the most thriving applied research centers. The $750 travel expense award is given annually to a select few who want to attend the SfAA annual meeting.

Sallie Mae Scholarship

• Deadline of Application: December 31, 2024

Sallie Mae has launched a scholarship program for employees’ children pursuing college education. The program offers renewable scholarships for full-time study at an accredited institution, with eligibility determined by the sponsor. The scholarship is open to legal residents of the United States.

Year-round Scholarships

Lou Hochberg Thesis and Dissertation Awards 

• Type of Scholarship: Continuous
• Amount: $1,000
• Deadline of Application: Continuous

While the Lou Hochberg scholarship’s $1,000 grant isn’t much, its eligibility requirements are relatively easy to comply with. The essays submitted should focus on the social, biophysical, and experimental aspects of Wilhelm Reich’s discoveries. These are then judged based on their clarity, merit, and accuracy, and there’s no deadline for submissions.

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•       Financial Aid       PhD Scholarships and Financial Aid

PAYING FOR YOUR PHD Expert Tips, Scholarships Opportunities and Resources for Financing an Advanced Degree

The average yearly tuition for a PhD program is slightly above $16,000, which means students will invest about $80,000 in tuition fees alone for a five-year program. Add in fees, cost-of-living, travel expenses and the figure can easily surpass six figures. Yet, it is possible to fund a PhD program without breaking the bank and going into debt.

Featured Online Schools

• PhD Cost Breakdown
• PhD Financial Aid Options
• Expert Spotlight: Lawrence Burns, PhD
• Earning Outlook for Phd Students
• Most Lucrative PhD Careers
• Expert Spotlight: Darren Pierre, PhD
• PhD: By The Numbers
• Additional Financial Aid Resources

PHD COST BREAKDOWN

The value of a college education should not be understated, but neither should its actual cost. Earning a doctoral degree can be an expensive proposition. According to the latest data from the National Center for Education Statistics, the average tuition and fees for a graduate program of study was $16,435 in 2012-2013. The table below outlines the 2012-2013 graduate tuition and fees by academic institution.

• All Institutions $16,435
• Public $10,408
• Private Non-Profit $23,698
• Private For-Profit $14,418

Source: National Center for Education Statistics

A rough calculation of the number of years it takes to complete a doctoral program, multiplied by the average 2012-2013 tuition and fees from the NCES, reveals the following total cost figures by academic field of study.

A five- to six-figure education is something to take seriously as there are debt implications after leaving finishing a PhD program. Graduating doctoral students in 2013 left school with an average debt of just over $15,000, according to the National Science Foundation. By field, students in the Social Sciences, Education and Humanities graduate with the highest levels of student debt:

• Education: $26,566
• Social Sciences: $26,222
• Humanities: $21,485

Conversely, the science and technology fields graduate students with the lowest debt figures:

• Physical Sciences: $6,342
• Engineering: $7,031
• Life Sciences: $11,905
• Physical Sciences 78.2%
• Engineering 75.1%
• Life Sciences 67.2%
• Humanities 48.4%
• Social Sciences 46.5%
• Education 44.1%

Source: National Science Foundation, Survey of Earned Doctorates, 2013

While these figures may seem alarming, a deeper dive into survey data from the National Science Foundation actually paints a more positive picture. Overall, more than 62 percent of all doctoral recipients graduate from school without a single dollar of debt.

Prospective students can use the table below to get a better sense of the percentage of students who take on debt at incremental levels in each field of academic study. A majority of students graduate with $10,000 or less in debt after finishing their doctoral degree.

PhD Cost Factors

The total cost of earning a doctoral degree is variable because of the sheer number of different factors involved. Tuition is not the only cost to consider when thinking about applying to a PhD program.

Typically, students pay full tuition rates during their first three years of doctoral study and receive reduced tuition rates for the remainder of the program. However, the actual cost of tuition does vary and may be dependent on the student’s actual degree program.

Graduate students pay a range of fees, with the most common including:

• Health Services (access to health facilities on campus)
• Health Insurance (personal health insurance)
• Student Activity (subsidizes athletics and other clubs)
• Student Recreation (access to recreational facilities on campus)

Some programs estimate students should be prepared to pay between $3,000 and $4,500 per academic year in student fees and health insurance costs.

Students with a master’s degree or coursework in a similar graduate program may be able to transfer credits into their doctoral program. That can lower the total number of credits required to graduate, which can lower the total cost of the degree. However, some institutions do limit the amount of tuition credits that can be applied for graduate work done in a related field at other institutions.

Whether or not the student has an assistantship does not affect the cost of textbooks and other academic materials. Books are a revolving charge, one a student should plan upon each semester or quarter.

Housing, utilities and food are considered indirect expenses students incur during their education. PhD students should plan on anywhere from $12,000 to $25,000 and up for living expenses each year. Again, this figure is highly variable based on the location of the university and the cost-of-living in that area.

Owning a car means additional budgeting for insurance, car payments and gas. Additionally, students may need to travel for conferences and research. Without funding from a graduate student association or grant program, the student will have to cover these costs individually.

PhD students with children may have to account for childcare costs. Purchasing a new computer and other supplies may also be required. This type of budgeting will vary from individual to individual, program to program.

Most PhD programs allow students to progress at their own pace, requiring them to complete and defend their dissertation within a certain time period (e.g. six years). However, the time it takes to complete a dissertation depends on the student, area of study, research, etc. This can impact cost of attending a doctoral program.

Example Cost of Attendance

A student’s budget should include the total cost of attendance—that is both direct (tuition and fees) and indirect costs (e.g. housing). This budget is the starting point for determining the student’s financial need, how much financial aid they require, and if they can afford to attend a doctoral program. Below is a sample five-year total cost of attendance chart based on an in-state tuition program, with a budget that assumes fixed costs for fees and indirect costs, such as housing. It also does not take into account assistantships and tuition waivers for assistants.

Based on a figure that’s slightly below the 2012-2013 average graduate tuition cost, the total cost of attendance can still produce sticker shock. An average student in a program that charges $12,000 per year in tuition could have to pay between $30,000 and $45,000 year in total costs.

PhD FINANCIAL AID OPTIONS

Prospective PhD candidates have an abundance of financial aid options to help fund their graduate studies. Typically, students are fully funded by a combination of sources, including scholarships, fellowships, research assistantships, teaching assistantships, or student loans.

It is important for students to note that most sources of aid are awarded by individual academic programs, so they should follow-up with their department for up-to-date information.

Below is a high-level overview of the common types of graduate financial aid.

Prospective PhD candidates can turn to a variety of funding sources, including scholarships, grants, and fellowships to support their education financially. As discussed, most students use a combination of one or more of these funding sources to finance their degree program and research.

PhD students can apply for a variety of scholarships that award students with funds that can be used to help cover the cost of tuition, books and other fees.

Grants are similar to scholarships and are academic-based awards that can be used to augment other sources of financial aid.

Fellowships are a different type of funding that may encompass a scholarship or grant and can be used to fund research, study and teaching in the US and internationally. Many fellowships provide full tuition and a yearly stipend to students.

A PhD should never be an end in itself but rather a means to an end. The path to a PhD is an arduous one and should never be undertaken without serious thought to what it will bring the student. That said, there is money available for graduate study in most fields, and a student in the humanities should be very careful to apply to appropriate programs which fund their grad students.

• Engineering
• Physical Sciences

The SMART program is designed to support graduate students studying in STEM disciplines and offers a range of other benefits, including supplies and health insurance allowances and employment placement services with the DoD after graduation.

The National Defense Science and Engineering Graduate Fellowship is a three-year graduate fellowship that is designed to support doctoral students across fifteen engineering disciplines.

This three-year fellowship program supports the research efforts of doctoral students in STEM-related fields of study and allows them to pursue their work at any accredited graduate program in the country.

Renewable award for graduate students enrolled in a full-time APA-accredited doctoral program of study in psychology. Underrepresented, minority students are encouraged to apply.

This fellowship is open to female scholars and is designed to help offset the doctoral student’s living expenses during her final year of working on a dissertation.

This fellowship is a single-year of funding that is designed to support the doctoral research of a student working in child psychology.

The Javits Fellowship is provided on a needs- and competitive-basis to graduate students pursing graduate degrees in the humanities, social sciences, and the arts.

Two fellowships are awarded to support doctoral students who plan to study at the American School of Classical Studies in Athens, Greece for a year.

The Richard M. Weaver Scholarship is open to graduate student members of the Intercollegiate Studies Institute and supports the academic work of scholars pursuing teaching careers at the college level.

The AICPA fellowship is designed for minority students pursuing or planning to pursue a doctorate in accounting.

Five scholarships are available to provide financial assistance to graduate students pursuing studies in accounting and plan on earning CPA licensure.

This fellowship provides financial support to female scholars conducting research and economic analysis into natural resource, food, or agricultural issues.

This renewable, four-year fellowship is designed to support a scholar’s work in the field of stewardship science: nuclear science, high density physics, and materials under extreme conditions and hydrodynamics.

This multi-year fellowship supports doctoral research in several fields, ranging from chemistry to geology, materials science to physics and connects fellows with NPSC employer partners.

The NWRI fellowship program is open to full-time doctoral students conducting water-based research in areas such as water quality, water treatment and technologies, water supplies and water resources.

Really think about your reasons for getting a PhD. Critically exam the support systems you have in place to get you through the journey: 50 percent of doctoral students suffer from depression. Utilize services like the counseling center on your college/university campuses to help you respond to the stressors that may occur with the transition.

ASSISTANTSHIPS, FELLOWSHIPS AND LOANS

Graduate assistantships.

Graduate assistantships are a form of academic appointment and are provided by individual departments. Competitive in nature, they are typically awarded on the basis of the student’s academic accomplishments and potential in the graduate program of study. Most programs provide appointments for one year at time and students receive a tuition credit or waiver and monthly stipend. There are three types of assistantships: Teaching Assistantships, Assistant Lecturers, and Research Assistants.

Teaching assistants perform a range of support duties for faculty members at a university, including grading papers and teaching classes.

Lecturers may serve as instructors in the academic department where they are studying.

Research assistants conduct and assist faculty members with research projects in the student’s area of interest.

Fellowships

Fellowships are short-term funding opportunities (typically 9- to 12 months) provided to students in the form of tuition credits and/or stipends. They support a student’s graduate study in their field of choice, may assist them in their research, or gain professional training in an area of interest. Fellowships are competitive and are available in two types: University-based and External.

Individual schools, colleges, and departments at a university (e.g. College of Science, Department of English) may have endowed fellowships. Students are either nominated for an award by their department or may be open to an application process.

External fellowships are funded by foundations, government agencies and other groups and provide opportunities to study both in the US and abroad. For example, the Department of Defense offers the National Defense Science & Engineering Graduate Fellowship to engineering students studying in one of sixteen engineering specialties.

Corporations

Many companies and businesses have created scholarship, fellowship, and tuition reimbursement programs for their employees. Depending on the company, there may be a possibility it supports the graduate school efforts of its employees. Speak to the Human Resources department to learn more about the potential funding avenues available.

Graduate students may borrow funds from the federal government under two loan programs: William D. Ford Federal Direct Loan Program and the Federal Perkins Loan Program.

Private financial institutions, including banks and credit unions, offer unsecured educational loans to graduate students. These loans must be repaid with interest. The interest rates, loan amount, and repayment terms are based on the credit worthiness of the borrower.

Federal work study provides students with demonstrated financial need part-time job opportunities that allow them to earn income while they are in graduate school. The program focuses on placing students in community service situations related to the student’s academic course of study. A majority of jobs are on-campus, but some schools may have some off-campus jobs with nonprofit agencies and other groups. It is important to note that some universities may not allow students to use their federal work study for tuition, but other related expenses (e.g. books, fees).

EXPERT SPOTLIGHT: Lawrence Burns, PhD

What should a future phd student consider when selecting a program of   study .

Speaking in the humanities, a student is best advised, I think, to select the faculty member with whom he or she wishes to study rather than simply a program. This faculty member becomes the student’s mentor, a relationship that lasts well beyond graduate school years. Because the mentor becomes the student’s primary reference, his or her standing in the field can and does have an impact on pre- and post-doctoral grants a student might win as well as on the student’s success on the academic job market.

It is a delicate balance though, because one must also look at programs that have standing in a particular field and at institutions that can afford to fund their PhD students throughout their graduate years.

Much is made about the saturation of PhD graduates and not enough   positions — both in academic and the private sector. Should that dissuade   a student from pursuing a PhD?

Yes, of course. Again, a PhD is not something that comes easily, and it should not be pursued without a reason for it. On the other hand, for students who are committed to their fields, and for whom that field is a career choice, the PhD is still the only way into the university job market. 

There is a catch-22 in the world of post-graduate education. Research universities need to turn out research, and researchers often depend on their grad students to assist them–in all fields–and departments on their PhD candidates to teach many undergraduate courses. PhD students are thus recruited regardless of the job market for the PhD holders.

The challenges in funding the PhD for me were less about how am I going to pay for this degree, but making the adjustment from being a full-time salaried employee to now, taking a significant pay cut to serve as a graduate assistant.

EARNING OUTLOOK FOR PHD STUDENTS

Potential career earnings should be a significant part of the discussion when considering whether or not to pursue a doctoral degree. Completing an advanced program of study could increase an individual’s earning potential with their current or future employers.

Research from the Bureau of Labor Statistics reveals a direct correlation between educational attainment and career success—both in employment opportunities and annual salaries. Doctoral degree holders are some of the highest paid professionals in the country. The table below outlines the difference in earnings by degree level in 2014.

source: Bureau of Labor Statistics, Earnings and Unemployment by Educational Attainment

• Industry or Business $97,700
• Government $82,000
• Nonprofit Organizations $72,500
• Other $70,000
• Academia $60,000

Source: National Science Foundation, Survey of Earned Doctorates

In turn, prospective students should consider how their sacrifice of time and money will pay off when they embark in their careers. Some professional fields have a higher return on investment than others. A majority of PhD candidates endeavor to become tenured-track faculty members, but they should realize that academia is one of the lowest paying sectors for individuals with a doctoral degree.

A review of National Science Foundation survey information shows that the best paying professional areas for PhD graduates include Industry and Business—with an average salary of $97,700. At the bottom of the list? Academia.

MOST LUCRATIVE PHD CAREERS

So, which PhD degrees pay the best?

According to the NSF, business, economics, and engineering are consistently among the best earning academic fields regardless of industry. The following tables outline the highest paying academic fields by professional area of work after graduation.

• Business Management and Administration $110,000
• Economics $82,000
• Engineering $79,000
• Health Sciences $70,000
• Education $60,000
• Business Management and Administration $135,000
• Economics $115,000
• Mathematics and Computer Information Sciences $115,000
• Geosciences $110,000
• Engineering $98,000
• Economics $112,500
• Business Management and Administration $96,590
• Engineering $96,500
• Mathematics and Computer Information Sciences $95,300
• Health Sciences $94,000
• Business Management and Administration $105,000
• Economics $100,000
• Mathematics and Computer Information Sciences $100,000
• Health Sciences $98,000

At the occupational level, 2012 employment research from the Bureau of Labor Statistics revealed the best paying doctoral career was Physicist ($109,600), followed by Astronomers ($105,410), and Engineering Professors ($94,130).

Overall, the top 10 most lucrative PhD careers include the following:

• 1 Physicists $109,600
• 2 Astronomers $105,410
• 3 Engineering Professors $94,130
• 4 Economics Professors $90,870
• 5 Health Specialties Professors: $90,210
• 6 Agricultural Sciences Professors $86,260
• 7 Biochemists and Biophysicists $84,940
• 8 Forestry and Conservation Science Professors $84,090
• 9 Physics Professors $80,720
• 10 Medical Scientists $79,930

EXPERT SPOTLIGHT: Darren Pierre, PhD

How has earning a phd impacted you personally and professionally.

Personally, the PhD was an incredibly introspective process. I believe for many, they go into the PhD thinking one thing, and come out transformed by the experience. I learned and grew personally in how I harness my self-worth, I grew professionally in my ability to humble myself and authentically listen to the feedback given about my work.

Professionally, I move with a greater level of confidence, I have more insight into my own potential in ways I could have never imagined, and all of that propelled me to write my book, The Invitation to Love.

Through your own experience, what are the biggest mistakes   prospective PhD students make when choosing and/or funding their PhD?

The biggest mistake that perspective students make is doing the degree for the wrong reason. If you are doing the degree for any other reason that self-motivated factors, you will falter. Doing the PhD to cover areas of insecurity, or low self-worth; doing the PhD for the prestige or title sake, those reasons will have you floundering and faltering when the psychological stressors being to weigh heavy.

Did you create a roadmap--financially or academically--to stay on track to   completing your PhD?

Absolutely, you have to have a plan and work that plan. Each Sunday, I would develop the week's action plan, I would carve out everything from when I was doing assignments/research to when I would work out, everything was on a schedule so that even when the fog of the process set in, I had headlights (my schedule) that allowed me to drive consistently when the road ahead was hard to see.

PHD: BY THE NUMBERS

Doctoral education in the U.S. is a varied and broad system, one that has been growing in popularity. In the 2013-2014 academic year, more than 178,000 doctoral degrees were conferred to students nationally, according to data from the National Center for Education Statistics.

• Doctoral Education Continues to Grow
• Engineering and Physical Sciences Dominate
• STEM Fields are the Most Popular
• Only Half of Students Earn a PhD in the Same Academic Field as their Master’s Degree
• Doctoral Degrees are an Investment in Time
• Primary Source of Funding Varies by Program

In its survey of earned doctorates, the National Science Foundation learned the number of doctoral recipients increased by nearly 30 percent between 2003 and 2013.

The most popular academic areas of study were Engineering and the Physical Sciences.

• Engineering 69.80%
• Physical Sciences 59.30%
• Health Sciences 53.60%
• Life Sciences 44.60%
• Other 38.90%
• Social Sciences 19.90%
• Humanities 9.10%
• Education -25.70%

Within the engineering and physical sciences disciplines, multiple sub-fields have been experiencing explosive interest and enrollments, with some programs (e.g. physics, materials science engineering) growing by more than 70 percent between 2003 and 2013.

• Other engineering 127.5%
• Materials science engineering 86.5%
• Aerospace, aeronautical, and astronautical engineering 74.5%
• Mechanical engineering 70.5%
• Electrical, electronics, and communication engineering 53.6%
• Chemical engineering 46.0%
• Computer and information sciences 119.1%
• Mathematics 83.0%
• Physics and astronomy 76.7%
• Geosciences 28.8%
• Chemistry 22.0%

According to NSF, the science, technology, engineering and mathematics fields are the most popular doctoral areas of study.

• Life Sciences 23.3%
• Physical Sciences 17.6%
• Engineering 17.0%
• Social Sciences 15.9%
• Humanities 10.7%
• Education 9.4%

Interestingly, slightly more than 56 percent of graduate students continue into a doctoral program in the same field as their master’s degree. Rates are highest in the humanities, engineering, and social sciences fields.

• Humanities 67.6%
• Engineering 65.7%
• Social Sciences 65.6%
• Education 61.5%
• All Fields 56.1%
• Physical Sciences 53.4%
• Life Sciences 35.5%

It requires approximately 7.5 years of study for the average graduate student to complete a doctoral degree after enrolling in graduate school. Education takes the longest — more than 11 years, while the physical sciences and engineering fields only require 6.5 to 6.6 years of study to complete.

• Education 11.7
• Humanities 9.2
• Social Sciences 7.7
• All Fields 7.5
• Life Sciences 6.9
• Engineering 6.6
• Physical Sciences 6.5

According to the NSF, the most common source of funding for doctoral students are teaching and research assistantships. The table below details the primary source of funding for students by academic area of study.

• Life Sciences Fellowships/ Grants
• Physical Sciences Research Assistantships
• Social Sciences Teaching Assistantships
• Engineering Research Assistantships
• Education Own Resources
• Humanities Teaching Assistantships
• All Fields Research Assistantships

The following table includes a breakout of the primary funding source by major field of study, according the National Science Foundation.

Source: http://www.nsf.gov/statistics/sed/2013/data-tables.cfm

ADDITIONAL FINANCIAL AID RESOURCES

The ultimate financial goal of any PhD student should be to complete their program successfully and move into a professional career with as little debt as possible. The resources below are available to help students locate scholarships and other funding sources that can help make that goal a reality.

Unigo offers a selection of financial assistance resources for graduate students, including a scholarship directory, a scholarship match tool, educational information on student loans and funding options, and more.

Scholarships.com is a website that provides a selection of financial aid information, including a searchable scholarship directory, insights into funding trends, financial aid calculators, and information about grants and fellowships.

Peterson’s is an educational resource site that includes a searchable scholarship database, articles and advice columns, and a catalog of graduate school profiles.

FinAid.org is an educational resource site that focuses on financial aid and offers information about student loans, federal financial aid, financing a doctoral education, and includes a scholarship search option.

An office of the U.S. Department of Education, Federal Student Aid is the country’s largest provider of financial aid. Graduate students can learn about and pally for loans, grants, and work-study funds to pay for their doctoral education.

FastWeb is a financial aid-focused website that offers a searchable scholarship directory that allows students to focus their search to their major area of study, work experience, and personal and professional activities.

Chegg is an online educational portal that not only offers used textbooks, but a scholarship database as well.

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Funding for Graduate Students

Funding at nsf.

From research experiences across the world to internships at its headquarters, the U.S. National Science Foundation offers graduate students and recent Ph.D.s paid opportunities to expand their skills and knowledge in science and engineering.

On this page

Information for principal investigators

This page highlights opportunities that graduate students and recent Ph.D.s can directly apply to.

If you're interested in supporting graduate students with NSF funding, explore NSF's  Funding Search  page. Most of NSF's funding opportunities allow proposers to include graduate student researchers in their project budget.

Some NSF opportunities focus explicitly on supporting graduate student training through  internships  and other activities, like NSF's  Non-Academic Research Internships for Graduate Students (INTERN) program.

NSF Graduate Research Fellowship Program (GRFP)

The prestigious NSF Graduate Research Fellowship Program  supports outstanding graduate students who are pursuing research-based master's or doctoral degrees in STEM — science, technology, engineering and mathematics — or in STEM education.

The five-year fellowship provides three years of financial support that can be used at accredited U.S. institutions. This support includes an annual stipend and a cost-of-education allowance covering tuition and fees.

Eligibility

Applicants must be citizens, nationals or permanent residents of the United States. Applicants must be pursuing full-time research-based master's and doctoral degrees in STEM or in STEM education at accredited U.S. institutions.

How to apply

Applications are due in the fall of each year. Learn more about the program and how to apply at  nsfgrfp.org .

And read NSF 101 for some tips on how to apply .

International Research Experiences for Students (IRES)

NSF's IRES program offers international research opportunities to undergraduate and graduate students.

Participants are mentored by researchers at a foreign lab, allowing them to build their professional network. IRES opportunities usually involve small groups of students who travel to a host institution for a summer-length research project.

Undergraduate or graduate students who are citizens, nationals or permanent residents of the United States are eligible to apply.

Students must contact researchers with IRES funding for information and application materials. Application materials for different IRES opportunities can vary: they may require a statement of purpose, transcripts, reference letters or additional materials.

To find active IRES projects, visit the  NSF IRES Project Search . Each project lists the name and contact information of the principal investigator, or lead, of that project.

You can also find many (but not all) IRES opportunities on the  NSF Education and Training Application  website, where you can prepare and submit applications for IRES and other NSF education and training opportunities.

Computer and Information Science and Engineering Graduate Fellowships (CSGrad4US)

The CSGrad4US program helps bachelor's degree holders return to academia and pursue their research interests in computer and information science and engineering fields.

The three-year fellowship includes a stipend and cost-of-education allowance. 

Applicants must be citizens, nationals or permanent residents of the United States who are not currently enrolled in any degree-granting program and have never enrolled in a doctoral program. Applicants must intend to apply for full-time enrollment in a research-based doctoral degree program in a computer and information science and engineering field within two years.

Applications are typically due in the spring or early summer of each year. Learn more about the program and how to apply on the CISE Graduate Fellowships page.

Doctoral Dissertation Research Improvement Grants (DDRIG)

Some of NSF's programs offer grants to doctoral students, allowing them to undertake significant data-gathering projects and conduct field research in settings away from their campus.

The award amounts of these grants vary across programs but typically fall between $15,000 to $40,000 (excluding indirect costs).

Doctoral students enrolled in U.S. institutions of higher education who are conducting scientific research are eligible to apply. Applicants do not need to be U.S. citizens.

These proposals are submitted to NSF through regular organizational channels by the doctoral student's dissertation advisor, with the student serving as the co-principal investigator on the proposal.

Visit NSF's  Funding Search  to see the list of programs that currently accept DDRIG proposals. Deadlines vary by program: some accept proposals at any time while others have annual or semi-annual deadlines.

Note: Information on the NSF-funded Law and Science Dissertation Grant (LSDG) can be found on the LSDG website .

NSF Research Traineeship Program (NRT)

The NSF Research Traineeship Program gives graduate students opportunities to develop the skills and knowledge needed to pursue a range of STEM careers.

Graduate students funded by the program receive, at minimum, 12-month-long stipends that support their participation in the program's training activities, which can include courses, workshops and research projects.

Graduate students who are citizens, nationals and permanent residents of the United States are eligible to participate as funded trainees in the NRT program. International students can participate as unfunded trainees. Participants must be enrolled in research-based master's or doctoral degree programs.

Students must contact researchers with NRT funding for information and application materials.

To find active NRT projects, visit the  NSF NRT Project Search . Each project lists the name and contact information of the Principal Investigator, or lead, of that project.

For more information about the NSF Research Traineeship Program, please contact  [email protected] .

Mathematical Sciences Graduate Internship

NSF's Mathematical Sciences Graduate Internship program supports summer research internships for doctoral students in the mathematical sciences. These internships are primarily at national laboratories and focus on introducing students to applications of mathematical or statistical theories outside of academia.

Current graduate students pursuing doctoral degrees in mathematics, statistics or applied mathematics are eligible to apply. Participants do not need to be U.S. citizens.

Applications are due in the fall or winter each year. Learn more about the program and how to apply on the internship website .

Presidential Management Fellowship Program

The Presidential Management Fellows Program is a two-year paid fellowship designed to prepare current or recent graduate students for a career in the analysis and management of public policies and programs. At NSF, fellows serve as program and management analysts and a variety of other positions requiring a scientific degree.

Current or recent graduate students are eligible to apply.

Applications are due in the fall of each year. Learn more about the program and how to apply at  pmf.gov .

Summer Scholars Internship Program

NSF's Summer Scholars Internship Program is a 10-week-long summer internship for undergraduate and graduate students. Students participating in the program work in NSF offices that align with their academic interests.

Through the program, interns learn about science administration and how federal policies affect the science and engineering community.

Graduate students and undergraduates who are citizens, nationals or permanent residents of the United States are eligible to apply.

Students interested in the NSF Summer Scholars Internship Program can apply through the following organizations:

• QEM Network
• Hispanic Association of Colleges and Universities National Internship Program

For more information on the NSF Summer Scholars Internship Program, please contact  [email protected] .

Applying for a postdoc?

NSF's Postdoctoral Research Fellowships support independent postdoctoral research, allowing fellows to perform work that will broaden their perspectives, facilitate interdisciplinary interactions, and help establish them in leadership positions.

These two- or three-year fellowships provide a stipend and a research and training allowance.

Citizens, nationals and permanent residents of the United States who have recently earned a Ph.D. or will have earned their Ph.D. before beginning the fellowship are eligible to apply.

Current postdoctoral fellowship opportunities can be found on NSF's  Funding Search .

Deadlines vary by program: some accept proposals at any time while others have annual deadlines.

PhD Student Funding Overview

At Yale, you can earn your doctorate at our expense. 

Our funding packages for Yale PhD students are among the most generous in the world. Every PhD student receives a fellowship for the full cost of tuition, a stipend for living expenses, and paid health coverage, though the details of your funding package will differ depending on your academic program. On average, doctoral students receive more than $500,000 in tuition fellowships, stipends, and health premium benefits over the course of their enrollment. Full PhD funding normally extends for a minimum of five years, unless your doctoral program is of shorter duration, e.g., Investigative Medicine, Law, Nursing, and Public Health. 

The main categories of funding available to PhD students are detailed below. Our Programs & Policies handbook contains additional information about funding and fellowship opportunities available at the Graduate School, along with applicable policies. 

If you have questions about your funding, you can ask your program registrar or DGS, Graduate Financial Aid, or Associate Dean Robert Harper-Mangels.

Types of Funding for PhD Students

University Fellowships (UFs) are provided through the Graduate School and do not require teaching in Yale's Teaching Fellow Program. UFs are often used during the initial year(s) of your doctoral program to cover your stipend and tuition, when you are engaged in coursework and identifying an adviser.

For official policies governing University Fellowships, including information on deferring a UF, please see our Programs & Policies Bulletin .

In subsequent years and in most programs, your stipend will be funded by a teaching fellowship or a research assistantship.

Teaching Fellowships (TFs) are contingent on teaching Yale's Teaching Fellow Program (TFP). While you are on a TF, a portion of your stipend is compensation for teaching. The rest of your stipend will come from other sources, depending on your department or program. See the Teaching Fellow Funding page for more information.

The teaching portion of your stipend is subject to federal tax withholding, so you will notice a difference in your paycheck in teaching versus non-teaching semesters.

In lieu of teaching in the Teaching Fellow Program, PhD students in the humanities and social sciences may choose to undertake one of the available Professional Development Opportunities . These positions allow you to gain professional experience at a library, museum, or other office on campus relevant to your studies. 

If you are in the natural sciences, your funding will likely come from training grants and faculty research grants at some point during your enrollment. In most programs, you may only join a research group that has active grant funding. Please consult with your DGS, if you have questions about this aspect of your funding package.

We strongly encourage you to compete for external fellowships. Winning an external award in a national competition, whether sponsored by a public or private agency, is a significant honor. External fellowships may be subject to our Combined Award policy. Please be sure to review our External Fellowships & Awards page to understand how external awards interact with university funding.

An external fellowship may also offer you added flexibility in your program. 

• If you are a student in the natural sciences, an external fellowship may allow you to pursue a project or idea that is otherwise not eligible for financial support through your adviser’s research funding. 
• If you are a student in the humanities or social sciences, an external fellowship might allow you to defer a University Fellowship (UF) to a subsequent term or year. 

You can search for external fellowships through the Yale Student Grants Database , other university search engines (e.g., UCLA ), and commercial sites .

You must notify the Graduate School of any external awards you receive. 

• Send a copy of your award letter to the Financial Aid Office at [email protected] .
• If your award is subject to the Combined Award policy, then you will receive a combined award letter via email when your award has been processed, outlining your updated funding package. 

For any questions and concerns regarding your combined award letter, please contact the Graduate School Financial Aid Office via email at [email protected]. Associate Dean Robert Harper-Mangels can also advise regarding our Combined Award policy.

Additional GSAS Financial Support

Phd stipends.

An overview of information relevant to the PhD stipend.

Health Award

The Graduate School provides Yale Health Basic Coverage at no cost to all students (Master's and PhD) who are enrolled at least half-time in degree-seeking programs. In addition, all PhD students registered at least half-time receive a Health Fellowship Award that covers the cost of Yale Health Hospitalization/Specialty Care Coverage.

Featured Resource

Family Support Subsidy for Parenting PhD Students

PhD students who are registered full-time in any year of study are eligible for the family support subsidy to assist with child-related expenses.

Dean's Emergency Fund

The Dean’s Emergency Fund enables terminal master’s and PhD students in the Graduate School of Arts and Sciences to continue making academic progress despite unanticipated, extreme financial hardships that cannot be resolved through fellowships, loans, or personal resources. The maximum award for eligible requests is $2,000.

Conference Travel Fellowship (CTF)

https://gsa.yale.edu/ctf

By partnering with the MacMillan Center and the Graduate School of Arts and Sciences, graduate students with representatives in the Graduate Student Assembly are eligible for annual conference travel funding of up to $800.

PhD Student Travel Health Fellowship

If you are a PhD student traveling for dissertation research, the Graduate School provides a Travel Health Fellowship to cover the cost of required immunizations and prescription drugs at Yale Health.

Graduate Financial Aid Office

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How to Pay for a PhD: Fellowships for Graduate Students, Research Funding, and More

If you've ever considered earning a doctorate, one of the questions you've undoubtedly asked yourself is "how will I pay for a PhD?" 

The good news is, most doctoral students receive fellowships and research funding from the their college or university, and are not directly responsible for paying for the majority of their PhD costs.

Fully Funded PhD Programs: What Makes them Possible?

Fully funded PhD programs allow doctoral students to focus exclusively on their studies and research, without having to hold a full time job to make ends meet. Full funding is often made possible through one or more fellowships or grants from the department, the graduate school, and other organizations. SMU currently has 55 Moody School funded PhD students.

SMU’s newest school, the Moody School of Graduate and Advanced Studies , is able to offer a wide range of fellowships thanks, in large part, to a landmark $100 million endowment from the Moody Foundation. SMU's PhD programs cater to graduate students who want to engage in advanced, interdisciplinary, innovative studies, and data-driven research.  In this new chapter of our story, we leading the charge to discover technological solutions to the many local and global issues that challenge us as we move further into the 21 st century.

This endowment and the associated operational funds support…

• Graduate students
• SMU faculty, renowned visiting faculty, and deanships
• Leading scholars who conduct world-changing research
• Expansion of interdisciplinary research and development

“We cannot overstate the power and reach of this gift. This is a transformational moment for SMU and Dallas, signaling that SMU is a premier institution with the means to be a full partner in commercial and global problem-solving, and a pipeline for leaders to tackle those challenges." — R. Gerald Turner, SMU President

In addition to propelling SMU forward as a leading research institution, the Moody endowment has an untold impact on the Dallas community surrounding SMU. "As the Texas economy booms, companies and institutions look to universities like SMU for innovative ideas, data-driven research, and technology that can create opportunity,” Turner said. “The Moody School will be the portal to all of our resources — the entry point for any organization with a research challenge to approach the University for partnership.”

What Does the Moody Foundation Grant Mean for Graduate Students?

The Moody School of Graduate and Advanced Studies offers master’s and doctoral degrees that span many fields across four of SMU’s colleges and schools. These are the Dedman College of Humanities and Sciences, the Lyle School of Engineering, the Meadows School of the Arts, and the Simmons School of Education and Human Development.

In a purely practical sense, this remarkable donation opens new doors for graduate students seeking fellowships and grants. Students in each of the four colleges and schools noted above can apply for fellowships, grants, and research funding that advance the goals of SMU. Let’s explore each of these funding mechanisms and discuss how prospective SMU grad students can secure these forms of funding.

Fellowships for Graduate Students at SMU

Moody graduate fellowships.

Beginning with the Fall 2021 applicants, SMU will offer fellowships to a select group of PhD applicants. These fellowships reward applicants who show exceptional promise for academic success. They provide tuition waivers, health insurance, and pensions of $30,000 for up to five years.

Students who apply to a PhD program at SMU by the  priority deadline  are eligible for the Moody Graduate Fellowship. Each department may nominate only one candidate, and SMU will consider only candidates nominated by their department.

University PhD Fellowships

Exceptional PhD and students with PhD-equivalents qualify for a fellowship grant that can defray educational costs for up to five years, contingent on satisfactory progress toward the degree.

All students who apply to a PhD program by the priority deadline  are eligible for the University PhD Fellowship. Each department may nominate a limited number of candidates, and SMU will consider only candidates nominated by their department.

Mustang Fellowships

Mustang Fellowships help SMU improve the diversity of its graduate student population. These provide tuition waivers, health insurance, and pensions of $30,000 for up to five years for PhD students who are U.S. citizens or permanent residents and identify as diverse in their academic disciplines.

As a PhD program applicant, you’re invited to apply for this fellowship through a brief essay in your application. You should explain why your educational, cultural, geographic, or familial background will contribute to SMU’s graduate program diversity. Departments nominate candidates for the Mustang Fellowship as part of their application review process.

Moody Dissertation Fellowships

These fellowships recognize and support outstanding PhD students as they complete their dissertations. SMU reserves this award for PhD students in the dissertation-writing phase of their degrees. It is available for those whose research shows exceptional promise for impact in their field of study.

The awards provide tuition waivers, health insurance, and a stipend of $30,000 for one year. Recipients commit to develop and defend their dissertations in the fellowship year. Their departments must nominate students to be eligible for this fellowship.

Dean’s Dissertation Fellowships

These fellowships provide support to PhD students in the dissertation-writing phase of their degrees, allowing them to focus on completing and defending their dissertations. They provide tuition waiver, health insurance, and a stipend commensurate with the standard PhD stipend in their department. Recipients commit to complete and defend their dissertations in the fellowship year. Each department must nominate students to be eligible for this fellowship.

Grants for PhD Students at SMU

Graduate student travel grants.

Graduate students can receive up to $750 in reimbursement for travel expenses to present an accepted paper or poster at a conference. You can apply for a travel grant here.

SMU accepts travel grant applications year-round but awards only one grant per student each academic year. The department chair and the graduate advisor must sponsor each proposal. Note that travel grants cannot be awarded retroactively, you'll need to submit a proposal before you travel.

Dedman Graduate Student Assembly Funding

The Dedman College Graduate Student Assembly (GSA) provides funding for graduate students in each department of Dedman College. The GSA receives a portion of the student fees paid by the graduate students in Dedman College. Those funds circulate back to graduate students who receive small grants to cover certain expenses that range from $100 to a few hundred dollars.

Graduate students can use this funding to pay for thesis and dissertation related expenses, such as presenting a paper or poster at a convention, conference, or other graduate activity, attending conferences, and purchasing membership in professional organizations and journals. Grad students may apply before the funding is necessary, or for reimbursement up to 30 days after the activity. 

Begin Your Fully-Funded PhD Program at SMU

With more than 100 years of history to build on, the SMU community is excited for the next chapter of growth that has been made possible through the Moody Foundation. With growing enrollment numbers, the Moody School of Graduate and Advanced Studies is already attracting the best students, staff, and faculty. Now, SMU and its graduate students are positioned to make even greater research contributions to our local Dallas community, our nation, and the world.

learn more about how

the new Moody School of Graduate and Advanced Studies is more committed than ever to helping grad students thrive.

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PhD Insurance Grants

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The University offers three grant programs for PhD students to help offset the cost of purchasing dependent health insurance and/or their own heath and dental insurance coverage. In addition to the PhD Insurance Grants, the University offers a PhD Family Grant to help offset costs incurred in relation to childcare and related expenses for PhD students with dependent children.

These grants are funded by the Office of the Provost and administered by the Graduate Grants Office and the Office of Student Registration and Financial Services. Students can apply to all PhD Insurance and Family Grants through the University PhD Grants Online Application (below).

Information about these and related grant programs can be found below. Please note: Grants are intended to help offset costs incurred by students purchasing insurance and are not an up-front subsidy . Students are responsible for the full cost of purchasing insurance and may incur late fees if these are not paid on time. 

Individual insurance plan deadlines may vary. Please read all program and plan details carefully. 

Health Insurance Grant need-based grants of up to $1,000/semester to reimburse PhD students purchasing their own health insurance coverage.

Dependent Health Insurance Grants  grants to reimburse PhD students purchasing eligible dependent health insurance coverage.

Penn Dental Student Plan Grants for PhD students and EdD students; applies only to Penn Dental Family Practice Student Insurance Plan

Supplemental Insurance Grants  several schools and programs offer additional, supplemental insurance grants for dental and vision plans. 

PhD Family Grants  grants to offset costs related to documented childcare and family expenses for PhD students with dependent children. 

For information about additional grants, discounted services, and financial support, visit the  Graduate Funding & Finances  section of our Graduate Resource Guide.  

2024-25 Academic Year & Fall 2024 Health Insurance Grant Deadline: September 20 by 5pm ET

This need-based grant program helps to offset the cost of purchasing health insurance for PhD students whose insurance is not covered by their program or another source. The Health Insurance Grant Program provides need-based grants of up to $1,000 per semester ($2,000/year) to PhD students who meet certain eligibility criteria. This grant is funded by the Office of the Provost and administered by the Graduate Student Center and the Office of Student Registration & Financial Services. Applications and all supporting documents must be submitted electronically by official deadline. 

The grant is intended to offset out-of-pocket costs for purchasing health insurance and is not an up-front subsidy. Students are responsible for the full cost of purchasing insurance and may incur late fees if these are not paid on time.

2024-25 Academic Year and Fall Semester Insurance Grants Application opens: August 19 | Deadline: September 20 at 5:00PM ET  For 2024-25 Academic Year and Fall 2024 health insurance costs. Spring 2025 Health Insurance Grants Application Opens: January date TBD | Deadline: February date TBD For new health insurance costs due to loss of coverage or change in funding status for the Spring 2025 semester. 

Please read all guidelines carefully.  No extensions or exceptions can be made for those who miss the deadline or do not meet eligibility criteria.

Eligibility To be eligible, applicants must: 

Show they have  personally  purchased the Penn Student Health Insurance Plan (PSIP)  or an unsubsidized   health insurance policy for the period covered by the grant. 

Students enrolling in PSIP must provide documentation that they have personally paid all associated charges for coverage. 

Non-PSIP plans must meet University insurance compliance  criteria . Non-PSIP plans cannot have been fully or partially paid for or subsidized in any way by a student's graduate group, an employer, spouse, or family.

• Please note:  If you choose to enroll in a non-PSIP plan, you must  waive PSIP  or you will be automatically enrolled in and charged for PSIP.  

Be currently registered in a Penn PhD program and in  good academic standing   throughout the period covered by the grant.  

Students on leave (except family or medical leave) during either semester are not eligible.

Students enrolled in professional doctorate programs are not eligible. 

Students enrolled in joint or dual degree programs must be actively registered in the PhD portion of their degree throughout the period covered by the grant.   

Be enrolled in years 1-8. Students in year 9 or beyond are not eligible.

Not be receiving a full fellowship from their program, the University, or an external funding body.

Students who receive AY grants during the fall term are not eligible to reapply during the spring cycle unless they have experienced a change in enrollment or insurance status.

Preference will be given to students with an annual household income of:

• $58,000 or less for household of 3 or more
• $38,000 or less for household of 2 
• $30,000 or less for household of 1

Submit the completed online application and all required documentation by the posted deadline. Incomplete forms, forms submitted without documentation, and forms submitted after the deadline will not be considered.

A complete application includes:

• Online Application (link will work only when application is live)  
• Proof of cost  and  payment for an eligible health insurance plan.   
• Benefits summary for non-PSIP health insurance plan, if applicable. Benefits summary must outline what the insurance plan covers and show that it meets University insurance requirements .    
• Fall applicants should submit 2023 W2s; Spring applicants submit 2024 W2s  
• Copies of the two most recent payment stubs for all paid positions, both on- and off-campus, for student and spouse/partner (if applicable). (Stipend and campus employment records can be found in Workday).

Please have digital copies of all relevant documentation ready before you begin the application.   Failure to provide all necessary documentation will result in delays reviewing your application or rejection of application. You may be asked to provide additional documentation or information needed to evaluate your application.  *We are committed to ensuring the security of your information. We have put in place reasonable physical, technical, and administrative safeguards designed to prevent unauthorized access to, or use of, the information collected online. 

• Grants are not guaranteed. Grants are disbursed as funding allows, with priority given to the students who demonstrate the highest financial need.  
• Grants are awarded in the range of $500 - $2,000. The maximum grant for one semester is $1,000. The maximum annual grant is $2000.   
• Grants are awarded annually, and you must reapply each year.  
• Academic Year and Fall Semester-only grant recipients are typically notified by late October, with funds disbursed in November. Spring semester grant recipients will be notified by mid-March and funds will be disbursed in late March to early April.   
• Funds will be processed through your student account. This is a separate system from Workday. You must you must set up direct deposit in in PennPay  via a U.S. bank, FlyWire, or PayMyTuition or a paper check will be mailed to the permanent address listed in your Penn Profile.   
• If you have an outstanding balance on your student account, the grant will be applied to your bill. Any remaining funds will be disbursed to you as a student account refund, leaving a zero balance on your student account. If you have outstanding charges in excess of the grant amount, the grant will apply to those charges and no refund will be processed.   
• All University grants to individuals may be considered taxable income by the government. You are responsible for reporting the grant income and paying any applicable taxes.  Depending on your tax status, taxes may be withheld prior to the grant disbursement. Such taxes may be refunded when students file annual taxes with the IRS. The SFS website provides additional information regarding withholding taxes on grants and aid for non-U.S. citizens .    
• If you are receiving student loans or other forms of aid, this grant could reduce your loan amount or exceed your semester budget maximum. Students who are receiving funding up to or beyond their approved aid budget are responsible for contacting Student Financial Services to understand how receiving this grant may affect their aid package. There may be options available to you for a budget adjustment or other steps in order to receive all awarded funds, depending on your individual circumstances. Contact [email protected] or schedule an appointment with a Graduate Financial Aid Counselor to discuss your account status.  
• If you do not remain in good academic standing during the period covered by the grant, some or all of the grant funds may be rescinded.  
• Applicant funding status and fellowship stipend amounts will be verified with graduate groups and school finance administrators. You are responsible for notifying us if your funding status changes during the period covered by the grant. Failure to do so will result in grant funds being rescinded.  
• If you provide false or misleading information or documentation in your grant application, the grant funds will be rescinded, and  you will be referred to the  Center for Community Standards and Accountability (CSA)  for disciplinary action. 

Direct all questions to [email protected].

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2024-25 Academic Year & Fall 2024 Dependent Health Insurance Grant Deadline: September 20 by 5pm ET

This need-based grant program helps to offset the cost of purchasing dependent health insurance for PhD students with children and/or spouses. Grants are provided in amounts of up to $500 per semester, per dependent ($1,000/year, per dependent). Applications and all supporting documents must be submitted electronically by official deadline. 

The grant is intended to offset out-of-pocket costs for purchasing health insurance and is not an up-front subsidy. The grants are not intended to cover costs associated with supplemental insurance plans, such as dental or vision insurance.  Students are responsible for the full cost of purchasing insurance and may incur late fees if these are not paid on time.

To be eligible, applicants must: 

Have a dependent child or children under the age of 26 or disabled living with them at least part of the time and/or have a spouse.

• Children must be born by December 15, 2024 for Fall applications. Children must be born/adopted by April 21, 2025 for Spring applications. 
• Those expecting babies/children after the application deadline should still apply by the deadline then submit the proof of child documentation after the baby/child is born/adopted. Please indicate this late document in the application.    

Show they have  personally  purchased a qualifying health insurance policy for their dependent(s)/spouse for the current year. To qualify, the coverage must be through the   Penn Student Health Insurance Plan (PSIP)  or the plan must meet the following criteria:

• provided by a company licensed to do business in the United States, with a U.S. claims payment office, US. telephone number, and process to remit payments to providers within the U.S. However, if you and/or your family will be living outside of the United States the insurance plan must cover your dependents in the area where you/they reside.  
• provides coverage for pre-existing conditions, or have been in effect long enough that any waiting period has passed.  
• provide coverage for both in-patient and out-patient medical care in the area of your residence, including routine office visits, specialist office visits, diagnostic testing, imaging and physical therapy. A policy that provides only emergency or urgent medical care in this area does not meet this requirement.

Be currently registered in a Penn PhD program and in  good academic standing   throughout   the period covered by the grant.  

• Students on leave (except family or medical leave) during either semester are not eligible.  
• Students enrolled in professional doctorate programs are not eligible.  
• Students enrolled in joint or dual degree programs must be actively registered in the PhD portion of their degree throughout the period covered by the grant.  

Students who receive AY grants during the fall term are not eligible to reapply during the spring cycle   unless   they have experienced a change in enrollment or insurance status.

• $61,000 or less for household of 3 or more
• $40,000 or less for household of 2 

Criteria for insurance plans for dependents/spouse:

• The insurance plan must be provided by a company licensed to do business in the United States, with a U.S. claims payment office and a U.S. telephone number. The company must have a process to remit payments to providers within the U.S. However, if you and/or your family will be living outside of the United States the insurance plan must cover your dependents in the area where you/they reside.
• The insurance plan must provide coverage for pre-existing conditions, or have been in effect long enough that any waiting period has passed.
• Your insurance plan must provide coverage for both in-patient and out-patient medical care in the area of your residence, including routine office visits, specialist office visits, diagnostic testing, imaging and physical therapy. A policy that provides only emergency or urgent medical care in this area does not meet this requirement.

You will be asked to provide a benefits summary for the insurance plan when you apply unless it is PSIP, and we will audit the plans. In addition, you will be required to sign an attestation that your plan meets these criteria. If during the audit, we find that your plan does not meet these criteria, any grant funds will be rescinded.

Below are the required documentation* items that must be submitted   via the  online document submission form . Select "PhD Grant Application" in the drop-down menu when you upload documents.   Have all of your documents ready when you begin the application.  If you are unable to provide a required document you must provide a written explanation of its absence. 

• Copies of the 2023 U.S. tax returns for student and spouse (if filing separately)
• 2023 W2s for student and spouse/partner. (Penn W2s for 2023 can be accessed here .)
• Copies of the most recent two pay stubs for all working adults in the household. (Stipend and campus employment pay stubs can be found in Workday.)
• Proof that you have personally purchased health insurance for your dependents/spouse. Document must include the amount paid for the insurance, this can be an invoice and must list the names of the family members enrolled in the plan. Dental and Vision insurance not included in this program. 
• A benefits summary for the health insurance plan, unless it is PSIP.   Benefit summary must outline what the insurance plan covers so we can verify it meets our insurance requirements. Dental and vision insurance plans are not included in this grant program.
• Documentation of any other major costs or expenses reported in your application, as relevant. 

*Our office is committed to ensuring the security of your information. We have put in place reasonable physical, technical, and administrative safeguards designed to prevent unauthorized access to, or use of, the information collected online.

Before you apply, you should know:

• Grants are not guaranteed. Grants are disbursed as funding allows, with priority given to the students who demonstrate the highest financial need.
• Grants are awarded in the range of $250-$1000 for the fall cycle and $250-500 for the spring cycle.  (F amilies with higher household income and assets may receive grants less than the maximum award amount.)
• If you are applying for an insurance grant for a spouse who is also a Penn PhD student, they should apply directly for the  health insurance program for PhD students .
• Grants are awarded annually, and you must reapply each year.
• Fall 2023 and 23-24 AY grant recipients will be notified by late October, with funds disbursed in November 2023. Spring 2024 grant recipients will be notified by early March and funds will be disbursed in March 2024.   
• Funds will be processed through your student account.  This is a separate system from Workday.  You must you must  set up direct deposit in in PennPay  via a U.S. bank, FlyWire, or PayMyTuition or a paper check will be mailed to the permanent address listed in your Penn Profile.   
• All University grants to individuals may be considered taxable income by the government. You are responsible for reporting the grant income and paying any applicable taxes.  Depending on your tax status, taxes may be withheld prior to the grant disbursement. Such taxes may be refunded when students file annual taxes with the IRS. The SFS website provides additional information regarding  withholding taxes on grants and aid for non-U.S. citizens .    
• If you are receiving student loans or other forms of aid, this grant could reduce your loan amount or exceed your semester budget maximum. Students who are receiving funding up to or beyond their approved aid budget are responsible for contacting Student Financial Services to understand how receiving this grant may affect their aid package. There may be options available to you for a budget adjustment or other steps in order to receive all awarded funds, depending on your individual circumstances. Contact  [email protected]  or schedule an appointment with a  Graduate Financial Aid Counselor  to discuss your account status.  
• Copies of the 2022 (or 2022) U.S. tax returns for student and spouse (if filing separately)
• 2022 W2s for student and spouse/partner. (Penn W2s for 2022  can be accessed here .)
• Document must include the amount paid for the insurance, this can be an invoice and must list the names of the family members enrolled in the plan. Dental and Vision insurance not included in this program. 

Failure to provide all necessary documentation will result in delays reviewing your application or rejection of application. You may be asked to provide additional documentation or information needed to evaluate your application. 

*We are committed to ensuring the security of your information. We have put in place reasonable physical, technical, and administrative safeguards designed to prevent unauthorized access to, or use of, the information collected online. 

Direct all questions to [email protected]. 

Read how Penn respects and protects your data.  

2024-25 Enrollment Deadline: September 20 

The Office of the Provost provides grants to reimburse 50% of the cost of the Penn Dental Family Practice Student Insurance Plan  for all PhD students who purchase dental insurance through the Penn Dental School for the current, full academic year. Additionally, the Graduate School of Education reimburses 50% for eligible Full Time Residential EdD students who are within their first seven years of study. Both programs are administered by the Graduate Student Center and Penn Dental School. 

The School of Engineering, Annenberg School for Communication, and the division of Biomedical Graduate Studies within the Perelman School of Medicine provide additional reimbursements to cover the remaining 50% of the cost for PhD students in those schools who purchase the Penn Dental Family Practice Student Insurance Plan. These grants are administered in conjunction with the PhD Dental Insurance Reimbursement Grant but grant funds and details are determined by each school. SEAS, BGS, and Annenberg PhD students who purchase the Penn Dental plan by the deadline above will be automatically considered for both the Provost and School reimbursement programs. 

The grant is intended as a partial  reimbursement  and not an up-front subsidy. Students are responsible for the full cost of purchasing insurance and may incur late fees if these are not paid on time.

Please note: students have several insurance and discount options for dental care.  This grant applies only to the Penn Dental Family Practice Student Plan .

Grants are intended to assist PhD students with costs associated with purchasing supplemental insurance plans for themselves and do not include coverage for dependents or payments made by others on behalf of the student.

2024-25 Deadline to qualify for reimbursement: September 20

To receive the partial reimbursement grant, you must:

• Be currently registered in a Penn PhD or EdD program and in  good academic standing . Dual or joint degree students must be registered in the PhD portion of their degree during the fall semester to be eligible. Students enrolled in other doctorate programs are not eligible.   
• Enroll in the  Penn Dental Practice Student Plan  by the grant program deadline. Penn Dental Plan deadlines may vary. Please review plan documentation and details carefully. Students who enroll in Penn Dental after the deadline are not eligible for the grant.   

Eligible students who purchase the Penn Dental insurance plan for students by the deadline will automatically qualify for the grant. No additional application or steps are needed. 

Eligible students who enroll by the deadline will automatically receive the grant. Please note: the grant is intended as a partial  reimbursement  and not an up-front subsidy. Students are responsible for the full cost of purchasing insurance and may incur late fees if these are not paid on time.

Grants are typically disbursed in October. The disbursement process involves a few steps:

• All grant funds will processed through your student account. This is a separate system from Workday. You must you must set up direct deposit in in PennPay  via a U.S. bank, FlyWire, or PayMyTuition or a paper check will be mailed to the permanent address listed in your Penn Profile.   
• If you have an outstanding balance on your student account, the grant funds will be applied to your bill. Any remaining funds will be disbursed to you as a student account refund, leaving a zero balance on your student account. If you have outstanding charges in excess of the grant amount, the grant will apply to those charges and no refund will be processed. 

Please note:

• If you are receiving student loans or other forms of aid, this grant could reduce your loan amount or exceed your semester budget maximum. Students who are receiving funding up to or beyond their approved aid budget are responsible for contacting Student Financial Services to understand how receiving this grant may affect their aid package. There may be options available to you for a budget adjustment or other steps in order to receive all awarded funds, depending on your individual circumstances. Contact [email protected] or schedule an appointment with a Graduate Financial Aid Counselor to discuss your account status.

Direct all other questions to [email protected].

2024-25 Enrollment deadlines and instructions vary by program

In addition to the Provost-funded grants listed above, several of Penn's graduate and professional degree programs provide grants to assist with the cost of purchasing supplemental vision and dental insurance plans. 

Programs currently offering full or partial grants for supplemental (dental and/or vision) plans include: 

• PhD Dental Grants for SEAS, ASC, BGS: The School of Engineering, Annenberg School for Communication, and the division of Biomedical Graduate Studies within the Perelman School of Medicine provide additional reimbursements to cover the remaining 50% of the cost for PhD students in those schools who purchase the Penn Dental Family Practice Student Insurance Plan. These grants are administered in conjunction with the PhD Dental Insurance Reimbursement Grant but grant funds and details are determined by each school. SEAS, BGS, and Annenberg PhD students who purchase the Penn Dental plan by the deadline above will be automatically considered for both the Provost and School reimbursement programs.   
• PhD Vision Grants for BGS: The Perelman School of Medicine provide grants to reimburse costs for current PhD students in the Division of Biomedical Graduate Studies (BGS) who purchase the Penn Aetna Student Vision Plan. These grants are administered in conjunction with the PhD Dental Insurance Reimbursement Grant program but grant funds and details are determined by the school. BGS PhD students who purchase qualifying plans by the enrollment deadline (August 31 for Aetna Vision) will be automatically considered for the program.  
• MD/PhD and VMD/PhD Dental and Vision Grants: The School of Medicine and School of Veterinary Medicine provide grants to reimburse costs for students in the MD- or VMD portion of the dual degree program who purchase the Penn Dental Family Practice Student Insurance Plan and/or Penn Aetna Student Vision Plan. These grants are administered in conjunction with the PhD Dental Insurance Reimbursement Grant program but grant funds and details are determined by each school. MD/PhD and VMD/PhD students who purchase qualifying plans by the enrollment deadline (August 31 for Aetna Vision, September 20 for Penn Dental) will be automatically considered for the program. 

The following terms and conditions apply to grants administered by the Graduate Grants office. Please be sure to speak with your program administrator to confirm whether your program is administered by the Graduate Grants team. 

Students must purchase an eligible insurance plan by the insurance or grant program deadline: 

• Aetna Student Vision Plan deadline: August 31    
• Penn Dental Practice Student Plan  grant deadline: September 20 by the grant program deadline.

Eligible students who purchase a qualifying plan will automatically qualify for the grant. No additional application or steps are needed. Students are responsible for the full cost of purchasing a plan. You should not wait to receive the grant to pay any charges billed to your Bursar account or credit card. 

• All grant funds will processed as a student account refund through PennPay. This is a separate system from Workday. You must you must set up direct deposit in in PennPay  via a U.S. bank, FlyWire, or PayMyTuition or a paper check will be mailed to the permanent address listed in your Penn Profile.   

Graduate Student Center University of Pennsylvania 3615 Locust Walk Philadelphia PA 19104 215-746-6868

[email protected]

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