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Financial Aid

Financial Aid

Know your funding sources.
Discover new resources.
Let SIT help.

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SIT is committed to ensuring you have the information you need to successfully access funding for your graduate education.

We offer grants and scholarships based on several criteria, including need and demonstrated commitment to the SIT mission. Nearly 90 percent of SIT students receive scholarship and grant funding from SIT Graduate Institute. We typically award more than $1.3 million dollars each year in gift aid.

SIT students finance their degrees through a variety of resources, including but not limited to:

US students and permanent residents are encouraged to learn about the Public Service Loan Forgiveness Program and income-based repayment plans.

SIT’s Financial Aid Office provides guidance on all aspects of funding your degree throughout the application process and during your degree program. We are dedicated to providing financial aid to as many students as possible and to ensuring our students have the information they need to successfully access funding for their graduate education.

If you are an international student, please visit the international student services section of the website to learn how to apply for financial aid.

If you are a US citizen or permanent resident, you must complete a FAFSA.

For more information on how to complete a FAFSA application, watch this instructional video.

Please note that in order to complete a FAFSA application, you will need a PIN. Visit www.pin.ed.gov.

SIT awards both need-based grants and merit scholarships to full-time US citizens and permanent residents. Average awards range between $800 and $8,000 for US citizens and permanent residents, and between $2,500 and $11,500 for international students. Several competitive scholarships have also been established to recognize students who reflect the SIT mission through their professional and personal lives.Vermont students in the International Center

No additional application is required for SIT gift aid and competitive scholarships. Accepted students who have applied for financial aid will be automatically considered.

SIT Impact Award
This scholarship is awarded to students who embody the SIT mission with significant professional and/or volunteer experience related to their degree program. Students chosen for this scholarship must give special presentations to the SIT community. Two full tuition scholarship plus room & board at SIT’s Vermont campus will be awarded. (Students enrolled in SIT’s MA in Sustainable Development: International Policy and Management program in Washington, DC, receive tuition only scholarships.)

Intercultural Leadership Award
This competitive award was established to recognize students who embody the SIT mission related to its master’s degree programs. The award is based on a variety of criteria, including academic merit, professional contribution to the field, community action, organizational affiliation, and educational leadership. SIT awards one scholarship of $10,000 per year for a student in each of SIT’s full-time, on-campus degree programs.

SIT Study Abroad and Experiment in International Living Alumni Scholarship
This scholarship is available to alumni of World Learning’s SIT Study Abroad and Experiment in International Living programs. It recognizes the strong intercultural foundation that students have developed in these programs and will carry into graduate school.

Educational Leadership Award
This scholarship of between $500 and $5,000 is awarded in recognition of professional service in the educational sector.

Recent Graduate Scholarship
This scholarship is awarded to exceptional candidates who have earned a bachelor’s degree within the 12 months prior to the start of the master’s degree program. Recipients demonstrate a range of qualities that confirm readiness for the program, such as intercultural sensitivity, excellent communication and interpersonal skills, maturity, and strong motivation to enter their fields. Competency in other languages and study abroad or international experience are preferred.

NGO Management Leadership Award
This scholarship of between $500 and $5,000 is awarded in recognition of professional service in nonprofit and NGO management

Activism and Community Scholarship 
This scholarship of between $500 and $5,000 is awarded in recognition of work done with an organization engaged in community service. Recipients should have served for one year or longer.

The Anderson Family Fund 
Experiment in International Living alumnus Eric Hall Anderson established the Anderson Family Fund in 1996 to provide scholarships for SIT students who demonstrate financial need. Preference is given to students of color and to international students.

Bradley/Gamble Fellows Program in Population Studies (for the Program in Intercultural Service, Leadership, and Management)
Candidates for this award must be involved in and plan to continue working in population studies, family planning, or population-related health and nutrition work.

Middle East and Islamic Cultures Scholarship 
Established through a generous gift to SIT, this fund is intended to help foster the institution’s commitment to building greater understanding among peoples and cultures critical to world peace. Scholarships are designated to enhance the diversity of the SIT community—on campus and throughout the institution—by making it possible for students from the Middle East and other predominantly Islamic countries to undertake graduate studies at SIT.

Pino Scholarship 
Rudy Martinez Pino enrolled at SIT in 1977. A Cuban American and the only US minority student in his class, Pino was dedicated to improving the circumstances of the world’s disabled and disenfranchised. After his death in 1986, his classmates established a scholarship in his memory to assist minority, disabled, or international students who demonstrate financial need.

All SIT grants and scholarships are subject to change without notice.

External Sources of Funding for Prospective International Students

SIT has identified a list of organizations that provide scholarships for graduate study in the United States. If you feel you may qualify for any of these scholarships you should contact that particular organization.

Fellowships Through Placement Organizations

Ford Foundation International Fellowships Program
A limited number of fellowships for full funding (including tuition, travel, and living expenses) are available for the coming academic year for students from Brazil, Chile, China, Egypt, Ghana, Guatemala, India, Indonesia, Kenya, Mexico, Mozambique, Nigeria, Palestine, Peru, Philippines, Russia, Senegal, South Africa, Tanzania, Thailand, Uganda and Vietnam.

Institute for International Education
Fulbright Program
809 United Nations Plaza
New York, NY 10017-3580  

Fulbright Outreach Program Fellowship
United States-Israel Educational Foundation
Ben Yehuda 1
P.O. Box 26160
Tel Aviv 61261
Fax: +972-(0)3-516-2016
Office phone: +972-(0)3-517-2392
Email: info@fulbright.org.il

Israeli citizens of Arab origin or of Ethiopian origin are eligible. Dual American-Israeli citizens or permanent residents of the United States are not eligible to apply.

Muskie and Freedom Support Act Fellowships
The program provides opportunities for graduate students and professionals from Armenia, Azerbaijan, Belarus, Georgia, Kazakhstan, Kyrgyzstan, Moldova, Russia, Tajikistan, Turkmenistan, Ukraine, and Uzbekistan for one-year non-degree, one-year degree, or two-year degree study in the United States.

Scholarships for Women

Alpha Delta Kappa Foundation
1615 West 92nd Street
Kansas City, MO 64114
816 363-5525

American Association for University Women (AAUW)
1111 16th Street, NW
Washington, DC 20036

Scholarships available for full-time study for women with the equivalent of a US bachelor’s degree.

Canadian Federation of University Women
251 Bank Street, Suite 600
Ottawa, Ontario
Canada KZP 1X3

Fellowships and partial scholarships to Canadian women.

College Women’s Association of Japan
CWAJ Center
2-24-13-1202 Kami-Osaki,
Shinagawa-ku, Tokyo 141-0021
Telephone: 3491 2091
Fax: 3491 2092

Supports graduate study at English-speaking universities and research institutions abroad for women who are nationals or permanent residents of Japan.

Margaret McNamara Memorial Fund
The World Bank Group
1818 H Street, NW
Washington, DC 20433
202 473-8751

This fund provides financial assistance to women from developing countries during their studies in the United States or Canada.

P.E.O. International Peace Scholarship Fund
P.E.O. Executive Office
3700 Grand Avenue
Des Moines, IA 50312
Phone: 515 255-3153
Fax: 515 255-3820

Partial scholarships for women.

Other Scholarships

Aga Khan International Scholarship Programme
Scholarships are awarded on a 50 percent grant/50 percent loan basis through a competitive application process that takes place once a year in June or July. The Aga Kahn Foundation accepts applications from countries where it has branches, affiliates, or other Aga Kahn Development Network agencies that can help process applications and interview applicants. At present, these countries are Afghanistan, Bangladesh, Canada, France, India, Kenya, Madagascar, Mozambique, Pakistan, Portugal, Syria, Tajikistan, Tanzania, Uganda, the UK, and the US.

Scandinavia House
58 Park Avenue
(between 37th and 38th St.)
New York, NY 10016
212 879-9779

A variety of scholarships are offered to students from Denmark, Finland, Iceland, Norway, and Sweden.

Belgian American Education Foundation
Egmontstraat 11 Rue d'Egmont - 1000 Brussels - Belgium
Tel: + 32(0)2 513 59 55
Fax: + 32(0)2 672 53 81
Email: mail@baef.be

Pays for tuition, stipend, and health insurance for Belgian citizens to study in US graduate programs.

De Karman Fellowships
Supports one year of graduate study in the United States in any field, with special consideration to candidates in the humanities. Available only to juniors already enrolled in a U.S. undergrad institution.

ITO Foundation for International Education Exchange
BABA Bldg. 5F, 3-8-4 Nishi-Shinjuku
Shinjuku-ku, Tokyo, 160-0023 JAPAN
Tel: 03 3299 7872
Fax: 03 3299 7871

Awards scholarships for Japanese students to study abroad in a master’s course at a graduate school.

Jack Kent Cooke Foundation Graduate Scholarship Program
Scholarships are awarded to college seniors or recent graduates to attend graduate programs. The scholarship awards will provide funding for tuition, room and board, books, and other required fees for the length of the graduate degree program, up to six years. The amount and duration of awards will vary by student, based on the cost of attendance and length of the program as well as other scholarships or grants received.

The maximum award per student is $50,000 per year. Candidates for this scholarship must be nominated by the Jack Kent Cooke Foundation Faculty Representative at their undergraduate institution.

OPEC Fund for International Development (OFID)
PO Box 995, A-1011
Vienna, Austria
Tel: +43 1 515 64 0
E-mail: info@ofid.org

Organization of American States
Division of Cooperation for Development of Human Resources
1776 Massachusetts Avenue
Washington, DC 20036

Fellowships available for citizens of OAS member countries.

Rotary International Foundation
1600 Ridge Avenue
Evanston, IL 60201

You must contact a local rotary club in your home country.

Soros Foundation Network Scholarship Programs
The Soros Foundation
400 W. 59th St.
New York, NY 10019
212 548-0175
scholar@sorosny.org


External Sources of Funding for US Citizens and Permanent Residents

The SIT Financial Aid Office has assembled the following list of organizations that provide scholarships for graduate study in the United States. If you feel you may qualify for any of these scholarships, you should contact that particular organization.

Yellow Ribbon Program for US Veterans

Congressional Hispanic Caucus Institute
911 2nd Street NE
Washington, DC 20002
Tel: 202.543.1771

This scholarship opportunity is available to Latino students who have a history of performing public service–oriented activities in their communities and who plan to continue making such contributions in the future.

David L. Boren Graduate Fellowships
This scholarship enables US graduate students to pursue specialization in area and language studies. A maximum of $30,000 is available for study in the US.

Pat Tillman Foundation Scholarship

The Paul & Daisy Soros Fellowships for New Americans

AmeriCorps Scholarship
This scholarship honors the significant intercultural and professional contribution made by AmeriCorps volunteers. Volunteers who have completed one year (10 to 12 months) of service are eligible for the competitively awarded $5,000 scholarship. The award is based on the type of work completed during service, as well as the candidate’s experience before and after working with AmeriCorps.

National Peace Corps Association Scholarship
The National Peace Corps Association (NPCA) Scholarship was established to recognize the longstanding ties between SIT and the Peace Corps. Members of the NPCA who have one year or more of significant intercultural experience are eligible to apply. Several competitive awards of $10,000 are made each year.

City Year Scholarship
SIT and City Year partnered to provide City Year “Give a Year” participants and staff interested in pursuing a graduate degree at SIT the following benefits:

  • Annual 25% tuition scholarship
  • Application fee waiver
  • One-year enrollment deferral

Scholarships are awarded to City Year corps members and alumni who have completed at least one year of service, and to City Year staff members who have been employed for at least two years. In order to be considered for the scholarship, individuals must be admitted to one of SIT master’s degree programs.

WorldTeach Scholarship
SIT Graduate Institute and WorldTeach have partnered to provide financial assistance to WorldTeach alumni interested in pursuing a graduate degree at SIT. This partnership highlights the visions and values of both organizations integrating the power of knowledge and service in addressing global issues. Several scholarships of $5,000 will be awarded each year on a competitive basis to WorldTeach alumni.

OXFAM Scholarship
Current and past OXFAM CHANGE Leader or Group Leader volunteers who have completed one year of OXFAM service are eligible to apply. Benefits include $1,000 per year of service (up to $3,000), plus a waiver of SIT’s application fee.

Greenpeace Scholarship
Current and past Greenpeace volunteers who have completed three (3) months Greenpeace service are eligible to apply. Benefits include $1,000 per three (3) months of service up to $5,000, plus a waiver of SIT’s application fee.

Institute of International Education (IIE) Generation Study Abroad Scholarship
SIT Graduate Institute has joined the Institute of International Education (IIE)’s “Generation Study Abroad” initiative to help double the number of American students who study abroad by the end of the decade. SIT Graduate Institute is offering a scholarship of $5,000 for a first generation college student studying to become a study abroad advisor through one of SIT’s Master of Arts in International Education programs.

BRAZ-TESOL/Alumni Scholarship
This scholarship, offered in collaboration with BRAZ-TESOL, is intended to help develop exceptional teaching professionals and to honor teachers in Brazil. It is awarded annually to a BRAZ-TESOL member who is not a US citizen and who has been accepted into SIT’s Master of Arts in Teaching program. Selection is competitive, and is based on professional experience and contribution or potential contribution to the field.

Program Partnerships
SIT Graduate Institute also offers program partnerships which provide field-based service opportunities and tuition benefits:

Peace Corps Paul D. Coverdell Fellows Program (for Peace Corps Alumni)
Prospective SIT students who are selected to be Paul D. Coverdell Fellows will receive a $5,000 tuition scholarship plus room and board at SIT’s campus in Vermont during the first academic year (presently valued at $8,315) or equivalent scholarship ($13,315).

In order to be eligible for the fellows program, individuals must have satisfactorily completed their Peace Corps service* and be admitted to one of the following SIT master’s degree programs:

Fellows must complete a practicum—a core component of every SIT master’s program—in a high-need American community (as defined by SIT). The practicum must relate to the student’s coursework and career goals and be for a minimum of six months. (The TESOL and Sustainable Development in Washington, DC programs follow a slightly different program sequence.)

Peace Corps Master’s International Program
This program is for applicants who would like to join the Peace Corps after SIT.  Through Master’s International, students complete Peace Corps service for their SIT practicum and receive a 50 percent tuition discount on their practicum phase tuition. Applicants must submit applications simultaneously to the Peace Corps and SIT for one of the following programs:

All SIT affiliations are subject to change without notice.

Employment for US Citizens and Permanent Residents

Federal Work Study
SIT offers a Federal Work Study program that allows eligible students to earn part of their college costs through part-time employment in positions on the SIT campus or in a limited number of local community organizations. Students with a work-study position generally work between 8 and 10 hours each week. The rate of pay complies with the minimum wage in the State of Vermont. Approximately 60 percent of students have a work position.

Employment for International Students

SIT Work Opportunity. The SIT Work Opportunity program supports the part-time employment of international students who need the income to help pay for the cost of their education. A variety of employment opportunities are available each year. Most student employment opportunities are funded through this program, and only students who are awarded work study funding as part of their financial aid package can participate. The rate of pay complies with the minimum wage law in the State of Vermont.

Campus Resident Advisors. Students can also earn the equivalent of room and board fees by working to create a cohesive learning community as a resident advisor in SIT’s multicultural dormitories. Students do not need to qualify for financial aid to be eligible for these positions. Applications are only made available to students upon admission to an SIT graduate program through acceptance notification materials. The Housing Office begins making position appointments in April, and selection is based on demonstrated skills and experience.

SIT is no longer accepting applications for the campus resident advisor position for the 2014–2015 academic year.

Current students: Please visit our Continuing Students page.

In addition to the need-based grants and merit scholarships offered by SIT, US citizens and permanent residents may be eligible for federal student loans. The Federal Perkins Loan, the Federal Direct Unsubsidized Student Loan, and the Federal Direct Grad PLUS Loan are all programs a graduate student may consider if they meet the eligibility requirements.

Federal Loans for US Citizens and Permanent Residents

Watch this instructional video about what to expect when repaying your federal student loans.

Federal Direct Unsubsidized Student Loan
The Federal Direct Student Loan Program offers unsubsidized loans to graduate students. Eligibility for the unsubsidized student loan is not based on financial need; students are responsible for interest that accrues on the loan from the time the loan funds are disbursed until the loan is repaid in full. You may choose to pay the interest while you are in school to reduce your final repayment amount. Otherwise, you may choose to capitalize the interest, which means to defer interest payments while enrolled in school and let the accrued interest be added to the loan principal, thus increasing the amount that must be repaid.

Annual Borrowing Limit – Graduate students may borrow up to $20,500 each academic year.

Aggregate Borrowing Limit – Graduate students may borrow up to an aggregate total of $138,500 including undergraduate loan amounts.

Interest Rates – The interest rate on Federal Direct Student Loans is fixed at 5.41%.

Origination Fee – An origination fee of 1.072% will be charged. The fee goes to the federal government to help reduce the cost of the loans.

Repayment – Federal Direct Student Loan repayment begins six months after you graduate or are no longer enrolled at least half-time.

Master Promissory Note – If you are borrowing a Federal Direct Student Loan for the first time, you must complete a Master Promissory Note online. The Master Promissory Note that you sign will be used for all of your subsequent Federal Direct Student Loans at SIT. You will not need to sign a new promissory note for each academic year, nor will you sign a new note if you decide to change the amount of your Direct Loan.

Disclosure Statements – The Master Promissory Note does not list the amount of your loans. When each loan is disbursed you will receive a disclosure statement from the US Deptartment of Education listing the amounts and types of your direct loans. You will receive a new disclosure statement for each new loan that you borrow, and if any changes are made to the amount of your loans. Be sure to keep your disclosure statements as a record of the loans you have received at SIT.

Entrance Counseling – If this is the first time that you have borrowed a Federal Direct Student Loan at SIT, you are required to complete an entrance counseling session to inform you of your rights and responsibilities as a borrower. Your loan funds will not be disbursed to SIT until you have fulfilled this requirement. The entrance counseling session should be completed online.

Federal Direct Grad PLUS Loan
The Federal Direct Grad PLUS Loan is a non-need based loan that allows the student to borrow up to the cost of attendance less all other financial aid received. In order to be eligible, the student borrower must not have an adverse credit history.

Annual Borrowing Limit – Graduate students may borrow up to the cost of attendance minus all other financial aid received including Federal Direct Student Loans and private educational loans.

Aggregate Borrowing Limit – None.

Interest Rates – The interest rate is fixed at 6.41%. Interest starts accruing on this loan at the time of disbursement.

Origination Fee – An origination fee of 4.288% will be charged. The fee goes to the federal government to help reduce the cost of the loans.

Credit Check – Borrower cannot have an adverse credit history. Adverse credit is defined as being 90 days or more delinquent on any debt, having a credit report that shows bankruptcy, default, discharge, foreclosure, repossession, tax lien, wage garnishment or write off of a Title IV debt during the five years preceding the date of the credit report. Lack of credit history or insufficient credit history is not considered adverse credit. If you are denied, you can apply with an endorser (co-signer) whose credit history will be considered.

Repayment – Federal Direct Grad PLUS Loan repayment can be delayed until six months after you graduate or are no longer enrolled at least half-time.

Master Promissory Note – If you are borrowing a Federal Direct Grad PLUS Loan for the first time, you must complete a Master Promissory Note online. The Master Promissory Note that you sign will be used for all of your subsequent Direct Grad PLUS Loans at SIT. You will not need to sign a new promissory note for each academic year nor will you sign a new note if you decide to change the amount of your Direct Loan.

Disclosure Statements – The Master Promissory Note does not list the amount of your loans. When each loan is disbursed you will receive a disclosure statement from the US Deptartment of Education listing the amounts and types of your direct loans. You will receive a new disclosure statement for each new loan that you borrow, and if any changes are made to the amount of your loans. Be sure to keep your Disclosure Statements as a record of the loans you have received at SIT.

Entrance Counseling – If this is the first time that you have borrowed Federal Direct Grad PLUS Loan, you are required to complete an entrance counseling session to inform you of your rights and responsibilities as a borrower. Your loan funds will not be disbursed to SIT until you have fulfilled this requirement. The entrance counseling session should be completed online.

Federal Perkins Loan
The Federal Perkins Loan is a fixed, 5% interest rate loan. It is available to graduate students who demonstrate exceptional financial need. Since there is a limited pool of Federal Perkins Loan funds each year, these loans are awarded first to students who meet all priority deadlines. Federal Perkins Loan awards are typically $2,000 per year.

Students awarded a Federal Perkins Loan will be required to sign and return a promissory note that covers not only the student’s rights and responsibilities, but also the cancellation and deferment features of the loan, some of which are listed below.

Cancellation Features
Portions of the Federal Perkins Loan may be canceled upon documentation that you have performed full-time services in the following areas. Please refer to your promissory note for details.

  • Teaching at a school with a high concentration of students from low-income families
  • Early intervention services provided to infants and toddlers with disabilities
  • Work in law enforcement or as a corrections officer
  • Work as a nurse or medical technician
  • Child or family service agency employee providing services to high-risk children from low-income communities
  • Head Start staff member
  • Military service member serving in certain areas
  • Member of a volunteer service such as Peace Corps or ACTION Program

Private Education Loans
Private loans are designed to meet costs not covered by other forms of financial aid. Students are encouraged to pursue federal student loans (if eligible) and outside scholarships before applying for private student loans.

When considering whether to apply for a private educational loan or a Federal Grad PLUS Loan, there are a few important considerations to keep in mind:

  • Most private loans come with a variable interest rate and no fees. The Direct PLUS Loan, on the other hand, offers a fixed 6.41% interest rate for the life of the loan, but charges a small fee.
  • Income and credit score do not affect a student’s ability to obtain a Direct PLUS Loan, whereas credit criteria are usually more stringent on private loans.
  • The Direct PLUS Loan does not offer a grace period, while private loans usually do. See “Deferment and Forbearance” section below for more information.
  • The Direct PLUS Loan is permitted in Federal Consolidation Loans and private loans are not.

Approval for private loans is based on an individual’s creditworthiness. Students who do not meet a lender’s credit qualifications may need to apply with a credit-worthy co-signer. Interest rates, grace periods, repayment options and fees are determined by the lender and can vary considerably from lender to lender.

Because these loans are approved by lenders based on your credit history, we strongly encourage you to review your credit report prior to applying. You may receive a free credit report at www.annualcreditreport.com. If you are interested in receiving your FICO score you can go to www.myfico.com and for a fee they will release your score.

Title X of HEOA — the Private Student Loan Transparency and Improvement Act — contains information regarding the loan disclosure forms that are required by the federal government. A borrower self-certification form is required to be completed, signed, and submitted to the lender before loans can be disbursed. Lenders will provide students with a blank self-certification form by mail and/or online.

Lenders must allow sufficient time for an applicant to receive the Final Disclosure. The Final Disclosure outlines the three business–day rescission period, allowing applicants a final opportunity to evaluate their needs for a private student loan and/or cancel the loan without penalty. Based on the time for an applicant to receive the Final Disclosure and carry out the rescission period, a lender will not disburse funds until approximately seven days after the Final Disclosure is issued.  Please allow sufficient time for the approval process of a private educational loan so that your tuition charges are paid in a timely manner.

Borrowers should always review the current information and benefits at the lender’s website when selecting a lender.

The average amount of student debt for students who graduate from SIT with a master’s degree is $43,000.

Appeal Process/Special Circumstances
Due to varying circumstances, students often find the information they provided on the FAFSA no longer realistically reflects their ability to provide educational support. When this happens, students may choose to submit a Financial Aid Professional Judgment Appeal to our office requesting that their situation be reviewed.

SIT strives to provide individual consideration of each student's circumstances to the extent possible. Appeals will be reviewed by the director of Financial Aid. Additional information may be requested if necessary. Letters of appeal may be submitted at any time throughout the academic year. Please allow three weeks after submitting all requested documentation for appeal results. 

Appeal Requirements

For ALL Students:

  1. Submit a signed, detailed letter describing the reason for appeal

For US Citizens and Permanent Residents:

  1. If the FAFSA includes estimated tax information, the student must do one of the following:
    1. Update the FAFSA using the IRS Data Retrieval Tool or
    2. Provide a tax return transcript
  2. Submit other requested documents, depending on the circumstances of the appeal.

If an appeal is approved, SIT will reevaluate the student's eligibility. No additional aid is guaranteed with a successful appeal, and any potential increases in aid eligibility are subject to fund availability. 

Examples of special circumstances include, but are not limited to, the following:

  • The student’s spouse is paying off his or her own educational loan(s) that is not in deferment
  • The student has incurred extraordinary medical/dental expenses
  • The student has separated or divorced
  • The student no longer receives untaxed benefits, such as child support, or other sources of income
  • The student has received a one-time disbursement of funds (severance package, bonus, etc.)
  • The student’s spouse has passed away

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© SIT Graduate Institute 2014

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