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| Property | Value |
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| URL | https://www.colgate.edu/admission-aid/financial-aid/colgate-commitment |
| Last Crawled | 2026-04-14 14:18:34 (2 days ago) |
| First Indexed | 2021-06-01 12:57:08 (4 years ago) |
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| Meta Title | The Colgate Commitment | Colgate University |
| Meta Description | The Colgate Commitment marks a milestone in the University’s progress to make a Colgate education affordable to as many talented, high-achieving students as possible, regardless of their socioeconomic background.For eligible students based on total family income and assets, this comprehensive financial aid initiative will eliminate tuition, significantly reduce student debt, and adjust tuition based on the family's income levels.The updated Colgate Commitment thresholds below will take effect in fall 2026. |
| Meta Canonical | null |
| Boilerpipe Text | Starting in fall 2026, U.S. citizens and permanent residents with a total family income of up to $300,000 (and assets typical for that income range) are eligible for the Colgate Commitment.
Total income is calculated using taxable income (e.g. wages, interest, business income, retirement distributions, etc.) plus untaxed income (e.g. child support, social security, retirement distributions, etc.).
Losses are added back into income (e.g. business losses, capital losses, and depreciation on real and/or rental property could be added back in to be counted as part of total family income). Business income includes income generated from sole proprietorships, partnerships, corporations, or rental income.
Assets include bank accounts, investments, home equity, and business net worth, for example, but do not include retirement savings.
On average, students with total family income up to $175,000 will receive a financial aid offer covering the tuition charge for the academic year. A family may still have a family contribution that would go towards other components of the cost of attendance, such as housing, food, books, etc. Colgate meets 100% of a student’s demonstrated financial need based on the full cost of attendance for the academic year.
Students with total family income up to $200,000 will have their demonstrated need met with a financial aid offer that does not include a loan. However, families are still responsible for their expected family contribution toward the cost of attendance, and they can choose to borrow loans to help finance those costs.
Yes, although eligible students do not have loans automatically added to the initial financial aid offer, they still have access to the Federal Direct Loan program upon request. A student’s or parent’s ability to borrow under the Federal Direct Loan program is not impacted, nor is seeking financing through a private educational loan.
The financial aid policies for students attending off-campus study programs are unchanged. Colgate's need-based financial aid recipients can receive additional financial aid to meet the extra costs for one semester-long and one extended-study program. A loan of no more than $1,500 will be offered to help cover the extra cost of the program, regardless of loans offered for on-campus study.Â
The Colgate Commitment is specifically for U.S. citizens and permanent residents. However, Colgate has always met 100% of all admitted students’ demonstrated need, including international students. Colgate has never included loans in international students' financial aid packages. When calculating a student’s financial aid package, we take all components of the cost of attendance (tuition, fees, housing, meals, and other academic costs) into account, as well as a student’s ability to cover those costs based on the results of the financial aid application.
International students who do not apply or qualify for Colgate financial aid upon admission are not eligible for aid in subsequent years, so there would not be any financial aid available throughout enrollment at Colgate.
No, Federal Work-Study and Colgate Work-Study will continue to be offered to eligible students, even if their total family income is less than $300,000. Students offered work-study as part of their financial aid award may work a part-time job during the academic year to earn the amount offered. Students with work-study awards will receive priority in hiring for most on-campus jobs. Generally, students work 10-12 hours per week to earn the amount in their financial aid offer.
The eligibility for financial aid for students who hold U.S. citizenship or permanent residency is reevaluated prior to each academic year. Financial aid is offered on an annual basis, determined after careful analysis of the aid application materials submitted. If your family’s financial situation changes, the amount and type of financial aid offered may be adjusted in a subsequent academic year. |
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# The Colgate Commitment
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The Colgate Commitment marks a milestone in the University’s progress to make a Colgate education affordable to as many talented, high-achieving students as possible, regardless of their socioeconomic background.
For eligible students based on total family income and assets, this comprehensive financial aid initiative will eliminate tuition, significantly reduce student debt, and adjust tuition based on the family's income levels.
*The updated Colgate Commitment thresholds below will take effect in fall 2026.*
## The Composition of the Colgate Commitment
**Full Tuition Support**
Students with an annual family income of \$175,000 or less will, on average, attend Colgate tuition-free.
**Removing Loans**
Students with annual family income levels up to \$200,000 will have their demonstrated need met with a financial aid package that does not include loans.
**Aligning Income and Tuition Costs**
Students with annual family income levels between \$175,000 and \$300,000 will pay a percentage of annual income toward tuition.
**Expanding Academic and Experiential Opportunities**
For all students on financial aid, aid packages will meet the average cost for textbooks and other classroom expenses as part of Colgate’s efforts to meet the full cost of attendance beyond tuition. This ensures students' academic choices and experiences are not constrained by demonstrated financial need.
## The Colgate Commitment by Total Family Income
##### *(Assuming typical assets)*
**\$175,000 or less**
- Tuition-free, on average
- No-loan eligible
**\$175,000–\$200,000**
- 5% of income toward tuition, on average
- No-loan eligible
**\$200,000–\$250,000**
- 7% of income toward tuition, on average
**\$250,000–\$300,000**
- 10% of income toward tuition, on average
**\$300,000+**
- The University continues to meet 100% of the demonstrated need of all admitted students.
## Frequently Asked Questions
Who is eligible for the Colgate Commitment?
Starting in fall 2026, U.S. citizens and permanent residents with a total family income of up to \$300,000 (and assets typical for that income range) are eligible for the Colgate Commitment.
How are income and assets calculated?
Total income is calculated using taxable income (e.g. wages, interest, business income, retirement distributions, etc.) plus untaxed income (e.g. child support, social security, retirement distributions, etc.).
Losses are added back into income (e.g. business losses, capital losses, and depreciation on real and/or rental property could be added back in to be counted as part of total family income). Business income includes income generated from sole proprietorships, partnerships, corporations, or rental income.
Assets include bank accounts, investments, home equity, and business net worth, for example, but do not include retirement savings.
What does tuition-free mean?
On average, students with total family income up to \$175,000 will receive a financial aid offer covering the tuition charge for the academic year. A family may still have a family contribution that would go towards other components of the cost of attendance, such as housing, food, books, etc. Colgate meets 100% of a student’s demonstrated financial need based on the full cost of attendance for the academic year.
If my financial aid offer does not include a loan, does that mean I do not need to borrow one?
Students with total family income up to \$200,000 will have their demonstrated need met with a financial aid offer that does not include a loan. However, families are still responsible for their expected family contribution toward the cost of attendance, and they can choose to borrow loans to help finance those costs.
Am I still eligible to take on student loans if I request them?
Yes, although eligible students do not have loans automatically added to the initial financial aid offer, they still have access to the Federal Direct Loan program upon request. A student’s or parent’s ability to borrow under the Federal Direct Loan program is not impacted, nor is seeking financing through a private educational loan.
Does the Colgate Commitment affect my costs while studying abroad?
The financial aid policies for students attending off-campus study programs are unchanged. Colgate's need-based financial aid recipients can receive additional financial aid to meet the extra costs for one semester-long and one extended-study program. A loan of no more than \$1,500 will be offered to help cover the extra cost of the program, regardless of loans offered for on-campus study.
I am an international student. Am I eligible for the Colgate Commitment?
The Colgate Commitment is specifically for U.S. citizens and permanent residents. However, Colgate has always met 100% of all admitted students’ demonstrated need, including international students. Colgate has never included loans in international students' financial aid packages. When calculating a student’s financial aid package, we take all components of the cost of attendance (tuition, fees, housing, meals, and other academic costs) into account, as well as a student’s ability to cover those costs based on the results of the financial aid application.
International students who do not apply or qualify for Colgate financial aid upon admission are not eligible for aid in subsequent years, so there would not be any financial aid available throughout enrollment at Colgate.
Will my eligibility for a work-study job be affected by the Colgate Commitment?
No, Federal Work-Study and Colgate Work-Study will continue to be offered to eligible students, even if their total family income is less than \$300,000. Students offered work-study as part of their financial aid award may work a part-time job during the academic year to earn the amount offered. Students with work-study awards will receive priority in hiring for most on-campus jobs. Generally, students work 10-12 hours per week to earn the amount in their financial aid offer.
What happens if my family’s financial situation changes over my four years?
The eligibility for financial aid for students who hold U.S. citizenship or permanent residency is reevaluated prior to each academic year. Financial aid is offered on an annual basis, determined after careful analysis of the aid application materials submitted. If your family’s financial situation changes, the amount and type of financial aid offered may be adjusted in a subsequent academic year.
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| Readable Markdown | Starting in fall 2026, U.S. citizens and permanent residents with a total family income of up to \$300,000 (and assets typical for that income range) are eligible for the Colgate Commitment.
Total income is calculated using taxable income (e.g. wages, interest, business income, retirement distributions, etc.) plus untaxed income (e.g. child support, social security, retirement distributions, etc.).
Losses are added back into income (e.g. business losses, capital losses, and depreciation on real and/or rental property could be added back in to be counted as part of total family income). Business income includes income generated from sole proprietorships, partnerships, corporations, or rental income.
Assets include bank accounts, investments, home equity, and business net worth, for example, but do not include retirement savings.
On average, students with total family income up to \$175,000 will receive a financial aid offer covering the tuition charge for the academic year. A family may still have a family contribution that would go towards other components of the cost of attendance, such as housing, food, books, etc. Colgate meets 100% of a student’s demonstrated financial need based on the full cost of attendance for the academic year.
Students with total family income up to \$200,000 will have their demonstrated need met with a financial aid offer that does not include a loan. However, families are still responsible for their expected family contribution toward the cost of attendance, and they can choose to borrow loans to help finance those costs.
Yes, although eligible students do not have loans automatically added to the initial financial aid offer, they still have access to the Federal Direct Loan program upon request. A student’s or parent’s ability to borrow under the Federal Direct Loan program is not impacted, nor is seeking financing through a private educational loan.
The financial aid policies for students attending off-campus study programs are unchanged. Colgate's need-based financial aid recipients can receive additional financial aid to meet the extra costs for one semester-long and one extended-study program. A loan of no more than \$1,500 will be offered to help cover the extra cost of the program, regardless of loans offered for on-campus study.
The Colgate Commitment is specifically for U.S. citizens and permanent residents. However, Colgate has always met 100% of all admitted students’ demonstrated need, including international students. Colgate has never included loans in international students' financial aid packages. When calculating a student’s financial aid package, we take all components of the cost of attendance (tuition, fees, housing, meals, and other academic costs) into account, as well as a student’s ability to cover those costs based on the results of the financial aid application.
International students who do not apply or qualify for Colgate financial aid upon admission are not eligible for aid in subsequent years, so there would not be any financial aid available throughout enrollment at Colgate.
No, Federal Work-Study and Colgate Work-Study will continue to be offered to eligible students, even if their total family income is less than \$300,000. Students offered work-study as part of their financial aid award may work a part-time job during the academic year to earn the amount offered. Students with work-study awards will receive priority in hiring for most on-campus jobs. Generally, students work 10-12 hours per week to earn the amount in their financial aid offer.
The eligibility for financial aid for students who hold U.S. citizenship or permanent residency is reevaluated prior to each academic year. Financial aid is offered on an annual basis, determined after careful analysis of the aid application materials submitted. If your family’s financial situation changes, the amount and type of financial aid offered may be adjusted in a subsequent academic year. |
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