Rowan Financial Aid: Your Guide to Securing Your College Education

Are you looking for ways to fund your college education at Rowan University? Look no further! In this comprehensive guide, we will walk you through all the financial aid opportunities available to Rowan students. From scholarships and grants to loans and work-study programs, we have got you covered. Read on to discover how you can make your dream of attending Rowan University a reality without breaking the bank.

At Rowan University, we understand that pursuing higher education can be a significant financial investment. That’s why we offer a range of financial aid options to help students like you achieve their academic goals. Whether you are an incoming freshman, a transfer student, or a current Rowan student, there are numerous resources available to make your education more affordable.


When it comes to financing your education, scholarships can be a game-changer. Rowan University offers a variety of scholarships to recognize and reward exceptional academic achievement, leadership skills, and talents. Here are some of the scholarship opportunities available to Rowan students:

Academic Scholarships

Rowan University awards academic scholarships to incoming freshmen based on their high school GPA and standardized test scores. These scholarships can significantly reduce the cost of tuition and are renewable for up to four years, provided students maintain a minimum GPA.

Merit-Based Scholarships

In addition to academic scholarships, Rowan University also offers merit-based scholarships that consider a student’s extracurricular involvement, community service, and leadership qualities. These scholarships aim to recognize well-rounded students who have made significant contributions to their communities.

Specialized Scholarships

Rowan University provides specialized scholarships for students with outstanding talents or those pursuing specific majors. These scholarships include awards for performing arts, athletics, STEM fields, business, and more. If you have a particular talent or passion, there may be a scholarship tailored just for you.

Applying for scholarships can be competitive, so it’s essential to start early and thoroughly research the eligibility criteria and application process for each scholarship opportunity. Take advantage of scholarship search engines, consult with your high school guidance counselor, and reach out to the Rowan University financial aid office for guidance on finding and applying for scholarships.


Grants are another excellent form of financial aid that can help offset your college expenses. Unlike scholarships, grants are typically need-based and do not require repayment. Rowan University offers various grants to eligible students:

Federal Grants

As a Rowan student, you may be eligible for federal grants, such as the Pell Grant and the Federal Supplemental Educational Opportunity Grant (FSEOG). These grants are awarded based on financial need, as determined by the Free Application for Federal Student Aid (FAFSA). The FAFSA is a crucial document that every student should fill out to be considered for federal grants and other forms of financial aid.

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State Grants

In addition to federal grants, Rowan University students may also qualify for state grants, depending on their state of residence. Each state offers different grant programs, so it’s essential to research and understand the options available in your state.

Institutional Grants

Rowan University provides institutional grants to students who demonstrate financial need. These grants are funded by the university and can significantly reduce your tuition expenses. To be considered for institutional grants, you must complete the FAFSA and any additional financial aid applications required by Rowan University.

Remember, grants are typically awarded on a first-come, first-served basis, so it’s crucial to submit your financial aid applications as early as possible to maximize your chances of receiving grant funding.


While grants and scholarships are excellent forms of financial aid because they don’t require repayment, loans can also be a valuable resource to help finance your college education. Rowan University offers several loan options to its students:

Federal Student Loans

Federal student loans, such as the Direct Subsidized Loan and the Direct Unsubsidized Loan, are available to eligible Rowan students. These loans have relatively low interest rates and flexible repayment options. The Direct Subsidized Loan is need-based and does not accrue interest while you are enrolled in school, while the Direct Unsubsidized Loan is available to all eligible students, regardless of financial need.

Private Loans

If federal loans do not cover your full financial need, private loans can help bridge the gap. Private loans are provided by banks, credit unions, and other lending institutions. However, it’s important to carefully consider the terms and interest rates of private loans, as they may vary significantly from federal loans.

Loan Forgiveness Programs

Rowan University also participates in various loan forgiveness programs, such as the Public Service Loan Forgiveness (PSLF) program. These programs can be beneficial for students pursuing careers in public service or specific fields, as they offer loan forgiveness after a certain period of eligible employment or service.

Before taking out loans, it’s crucial to carefully consider your borrowing needs and develop a repayment plan. Only borrow what is necessary to cover your educational expenses and explore scholarships, grants, and work-study opportunities before turning to loans.

Work-Study Programs

Work-study programs provide an excellent opportunity to earn money while studying at Rowan University. These programs offer part-time job opportunities both on and off-campus, allowing you to gain valuable work experience while helping to finance your education. Here’s how work-study programs at Rowan University work:

Eligibility and Application

To participate in a work-study program, you must demonstrate financial need and be enrolled at least half-time as a Rowan student. The first step is to complete the FAFSA, which will determine your eligibility for work-study funding. If you are eligible, you can then apply for work-study positions through the Rowan University career portal or directly with participating departments.

Types of Work-Study Jobs

Work-study jobs at Rowan University are available in various departments, including academic departments, administrative offices, libraries, and community service organizations. These positions can range from clerical work and research assistance to tutoring and community outreach. Work-study jobs provide valuable skills and experience that can enhance your resume while helping to fund your education.

Work Hours and Pay

As a work-study student, you will typically work part-time, up to a specified number of hours per week. The hourly pay rate will depend on the position and funding availability. It’s important to manage your work hours effectively to balance your academic responsibilities and work commitments.

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Participating in a work-study program can not only help cover your college expenses but also provide valuable professional development and networking opportunities. Consider exploring the various work-study positions available at Rowan University to find a job that aligns with your interests and career goals.

Financial Planning and Budgeting

Proper financial planning and budgeting are essential for managing your college expenses effectively. Here are some tips to help you make the most of your financial aid resources:

Create a Budget

Start by creating a realistic budget that outlines your income, expenses, and savings goals. Consider using budgeting tools or apps to track your spending and ensure you stay within your planned budget.

Minimize Unnecessary Expenses

Identify areas where you can cut back on expenses. This could include reducing dining out, utilizing public transportation instead of owning a car, or finding free or low-cost entertainment options. Small adjustments can add up and help stretch your financial aid funds.

Save Money on Textbooks

Textbooks can be a significant expense for college students. Look for opportunities to save money by renting textbooks, purchasing used books, or utilizing online resources. You can also consider sharing textbooks with classmates or exploring library resources.

Explore Campus Resources

Take advantage of the resources available on campus that can help you save money. This may include free or discounted access to fitness facilities, health services, and academic support resources. By utilizing these services, you can reduce expenses associated with external memberships or services.

Financial Literacy Programs

Rowan University offers financial literacy programs and workshops to help students develop essential money management skills. Consider attending these programs to gain valuable insights and strategies for budgeting, saving, and making informed financial decisions.

Additional Resources

In addition to scholarships, grants, loans, work-study programs, and financial planning, Rowan University provides various resources and support services to assist students in their financial journey:

Financial Aid Counseling

The financial aid office at Rowan University has dedicated counselors who can guide you through the financial aid process, answer your questions, and provide personalized advice. Schedule an appointment to discuss your financial aid options and receive assistance in navigating the complex world of financial aid.

Emergency Funding Options

In times of unexpected financial hardship, Rowan University offers emergency funding options to eligible students. These funds are designed to help students cover immediate and unforeseen expenses that may impact their ability to continue their education.

Student Employment Services

Rowan University’s Student Employment Services can assist you in finding part-time job opportunities both on and off-campus. They can help you navigate the job search process, polish your resume, and prepare for interviews. Utilize their resources to explore employment options that align with your schedule and interests.

Scholarship Search Engines

Aside from the scholarships offered directly by Rowan University, there are numerous external scholarship opportunities available. Utilize online scholarship search engines to find additional scholarships that match your qualifications and interests. Remember to carefully review the eligibility criteria and application deadlines for each scholarship before applying.

Financial Aid Workshops

Rowan University periodically conducts financial aid workshops to provide students and their families with in-depth information on financial aid options, application procedures, and resources available. These workshops offer an opportunity to ask questions and gain a comprehensive understanding of the financial aid process.

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Mentorship Programs

Rowan University offers mentorship programs that pair students with experienced professionals who can provide guidance and support throughout their college journey. Mentors can offer valuable insights into financial planning, career development, and overall academic success.

Applying for Financial Aid

Now that you have a comprehensive understanding of the financial aid opportunities at Rowan University, it’s essential to know how to navigate the application process effectively. Here are some key steps to take:

Submit the FAFSA

The Free Application for Federal Student Aid (FAFSA) is the cornerstone of the financial aid application process. Complete the FAFSA as soon as possible after October 1st of each year to maximize your eligibility for federal grants, loans, and work-study programs. Be sure to provide accurate and up-to-date information to avoid any delays or discrepancies in your financial aid award.

Check Rowan University’s Deadlines

In addition to the FAFSA, Rowan University may have specific deadlines for scholarship applications, institutional grants, and other financial aid opportunities. Consult the Rowan University financial aid website or contact the financial aid office directly to ensure you meet all necessary deadlines.

Gather Required Documents

Before starting the application process, gather all the necessary documents, including tax returns, W-2 forms, and any other financial records. These documents may be required to verify the information provided on the FAFSA or for specific scholarship applications.

Seek Professional Guidance

If you have any questions or concerns regarding the financial aid application process, reach out to the Rowan University financial aid office or a financial aid counselor. They can provide personalized guidance and help you navigate any challenges or complexities you may encounter.

Review and Compare Financial Aid Awards

Once you receive your financial aid award letter from Rowan University, carefully review the details of each award. Pay attention to the types of aid offered, the amounts awarded, and any specific conditions or requirements. It may be helpful to create a comparison chart to evaluate different offers and determine which combination of scholarships, grants, loans, and work-study programs best suits your needs.

Accept or Decline Offers

After reviewing your financial aid awards, make informed decisions about accepting or declining each offer. Consider factors such as the cost of attendance, your financial circumstances, and your long-term financial goals. Keep in mind that accepting loans means you will be responsible for repayment in the future.

Stay Engaged with the Financial Aid Office

Throughout your college journey, it’s important to stay connected with the financial aid office. They can provide ongoing support, answer questions, and help you navigate any changes or updates to your financial aid status. Notify them promptly of any changes in your financial situation or external scholarships you receive.

In conclusion, Rowan University is committed to helping students achieve their academic goals by providing a range of financial aid options. Whether through scholarships, grants, loans, or work-study programs, there are resources available to make your education more affordable. By carefully researching and exploring these opportunities, completing the necessary applications, and staying engaged with the financial aid office, you can secure the financial assistance you need to pursue your education at Rowan University. Don’t let financial barriers hold you back from realizing your dreams – take advantage of the financial aid resources available and embark on your journey to success at Rowan University!

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