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    Discover Student Loans
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    Award Letter Comparison

    Quickly compare your financial aid award letters from up to 5 schools to help you determine what you'll need to cover.

    To get started, enter your state and school. Use your award letter to fill in each field. Once you're finished, click Calculate to see the results. Click on the Help Icon for help along the way.

    Type school name.

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    School 1
    School 2
    Cost of Attendance Help icon opens modal dialog

    The total amount, determined by the school, a student will likely pay for one academic year. It may include tuition, room and board, books, supplies, transportation and personal expenses. If this line item does not appear on your award letter, check the school's website, contact the school's Financial Aid Office or visit

    National Center for Education Statistics
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    Tuition & Fees Help on tuition and feesHelp icon opens modal dialog

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    Books & Supplies Help on Book and SuppliersHelp icon opens modal dialog

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    Travel/ Transportation Help on Travel or transportationHelp icon opens modal dialog

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    Help on grants and scholarshipsHelp icon opens modal dialog

    Financial aid that does not have to be repaid (i.e., gift aid).

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    There are a variety of grants and scholarships and not all of them are need-based. Discover Student Loans Free Scholarship Search Opens modal dialog is a fast and easy way to search 3 million scholarships worth more than $18 billion. No registration required.

    Other Gift Aid

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    Help on Federal work studyHelp icon opens modal dialog

    A part-time employment program funded by the government that allows students to earn money that can be used to help pay for college. Generally the wages are paid directly to the student and used to pay for books and living expenses.

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    Federal Work-Study

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    Help on Federal LoansHelp icon opens modal dialog

    Are designed to cover the gap between cost of attendance and other financial aid and must be paid back. There are two categories of student loans: federal and private. Federal student loans are made by the federal government and are included on your award letter. Private student loans are made by banks and financial institutions and are not included in your award letter.

    Keep in mind that some student loans charge a fee, which may be deducted from each disbursement, so you'll receive less money than you borrowed.
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    Federal Direct Unsubsidized Loan Help on Federal Direct Unsubsidized LoanHelp icon opens modal dialog

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    Federal Direct Subsidized Loan Help on Federal Direct Subsidized LoanHelp icon opens modal dialog

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    Federal Direct PLUS Loan Helo on Federal Direct PLUS LoanHelp icon opens modal dialog

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    Federal Perkins Loan Helo on Federal Perkins LoanHelp icon opens modal dialog

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    Other Student Loans Help on other student loansHelp icon opens modal dialog

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    Help on your financial contributionHelp icon opens modal dialog

    Any money you and your family has set aside to help pay for college.

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    Parents and Relatives Help icon opens modal dialog

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    Education Savings Plans Help icon opens modal dialog

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    Tuition Reimbursement Help icon opens modal dialog

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    Other Sources

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    Tuition is the cost of instruction at a specific school. Tuition does not include room and board, textbooks, supplies and other fees a school may charge for attendance. Fees can vary by school and may account for activities, parking, health and technology. If this line item does not appear on your award letter, check the school's website, contact the school's Financial Aid Office or visit

    National Center for Education Statistics
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    Room and board charges will vary based on whether the student is living on or off campus and dining on or off campus. If this line item does not appear on your award letter, check the school's website, contact the school's Financial Aid Office or visit

    National Center for Education Statistics
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    This is generally an estimated cost of the books and supplies a student may need per term. This estimate will vary based on a student's intended major. If this line item does not appear on your award letter, check the school's website, contact the school's Financial Aid Office or visit

    National Center for Education Statistics
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    This can vary by school and depends on the number of round-trips to and from home the school is estimating.

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    Includes personal expenses such as phone and Internet service, laundry and events. If this line item does not appear on your award letter, check the school's website, contact the school's Financial Aid Office or visit National Center for Education Statistics These expenses may not be included in what the school certifies as part of your cost of attendance.

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    Grants are typically based on financial need and are awarded by the federal government, your state government or your school.

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    Scholarships are typically based on merit, a student characteristic or financial need and are awarded by schools and private organizations.

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    Available to undergraduate and graduate students regardless of financial need and the student is responsible for paying the interest but can defer payments while in school. These loans do not require a credit check.

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    Available to undergraduate students who demonstrate financial need, and the government pays the interest on these loans while the student is in school. These loans do not require a credit check.

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    Available to parents with dependent students and graduate students who are US citizens and eligible non-citizens enrolled at least half-time in an undergraduate program. Borrowers must pass a credit check. These loans let parents and graduate students borrow up to the full cost of attendance less any other financial aid.

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    School-based, low-interest education loans available for US citizens and eligible non-citizens enrolled at least half-time in an undergraduate, graduate or professional program. No credit check or cosigner is required. These loans are awarded based on exceptional financial need.

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    This may include other state or school based loans. Private student loans are made by banks and financial institutions and are not included in your award letter.

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    Money you have set aside to help pay for college.

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    Money earned or money that you will earn from part- or full-time employment. This should not include your work-study award.

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    Money your parents and/or relatives will contribute toward college.

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    Money set aside in education savings plans, such as a 529 or Coverdell.

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    Some employers offer tuition reimbursement that will help pay for a portion of your tuition and books. Tuition reimbursement benefits vary by employer, so it is important to check the details to ensure you can take full advantage of them.

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    Award Comparison

    The bar graphs represent the total cost of attendance for each school. Hover over the graph to reveal totals for each category. Click the graph to expand each section to get a closer look at how your financial aid awards compare side by side. You can make changes and click Recalculate for updated results.

    Once you're finished, print or save the results to keep them handy.

    Illinois
    Total Cost of Attendance and Gap
    Cost of Attendance
    Grants and Scholarships
    Federal Work-Study
    Federal Loans
    Your Financial Contribution
    Gap
    Costs You Need to Cover Help icon opens modal dialog

    This calculation represents the costs that you are responsible for. Federal Work-Study, student loans, savings or income can be used to pay for these costs. Scholarships and grants are excluded from this calculation as they are free money that does not need to be paid back.

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    Based on the comparison results, we've identified the schools with the lowest and highest cost that your family needs to cover.

    Note: Costs You Need to Cover = Cost of Attendance − Grants and Scholarships

    Tuition & Fees
    Room & Board
    Books & Supplies
    Travel/ Transportation
    Other Expenses
    Grants
    Scholarships

    There are a variety of grants and scholarships and not all of them are need-based. Discover Student Loans Free Scholarship Search Opens modal dialog is a fast and easy way to search 3 million scholarships worth more than $18 billion. No registration required.

    Other Gift Aid
    Federal Work-Study
    Federal Direct Unsubsidized Loan
    Federal Direct Subsidized Loan
    Federal Direct PLUS Loan
    Federal Perkins Loan
    Other Student Loans
    Student Savings
    Income
    Parents and Relatives
    Education Savings Plans
    Tuition Reimbursement
    Other Sources
    Remaining Costs (Gap) Opens modal dialog

    The amount you will need to cover which could be satisfied by, but is not limited to, private or corporate scholarships and private student loans. This is the difference between your total cost of attendance and your financial aid award plus your planned financial contributions.

    You can accept as much or as little of your financial aid award as you need. Talk to the financial aid office about your award if your situation has changed since completing the FAFSA. Continue to apply for scholarships to help reduce the amount you will have to borrow.
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    Maximize your free money options first before taking out student loans. If you do need to borrow, compare federal and private student loans to find the loans that best fit your needs. Only borrow what you need and consider making payments while in school to reduce the overall cost of your loans.

    This is for informational purposes only. Results may vary by school.


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