Explore Your Financial Resources

Explore Your Financial Resources.

You have options to make an investment in your education possible. An American National University Financial Aid Officer can guide you through financial services to help you identify the best plan for funding your education, including how much you should finance based on how much financial aid you may be eligible for. Financial aid is available to those students who qualify.

Understand all your options

  • American National University Financial Services
  • Loan Repayment Calculator
  • Step-by-Step financial aid guide

Degree program costs at American National University 

Tuition

*Textbooks and computer software required for courses is included in tuition. 

Note: Most courses are 4 credits in length at American National University 

Financial Options

American National University accepts cash payments toward the cost of attendance. While the University does not offer formal payment plans, students may make payments at any time toward an upcoming balance at their discretion. Any outstanding balance must be paid in full prior to the start of the term to which the charges apply

Payment Options

  • Cash Payment (Reduce loan debt & gain self satisfaction)
  • Employer Assistance (Assist your employer & gain additional business outcomes) 
  • Military Benefits
  • Federal Financial Aid (available to students who qualify)
  • Private Loans
  • Grants
  • Scholarships
  • Federal Work-Study

To apply for financial aid, you must complete a Free Application for Federal Student Aid (FAFSA). Once you have completed the FAFSA, a member of our Financial Aid Team will work with you to develop a financial aid plan that suits your needs.

Financial Aid Facts

Financial aid is available to those who qualify. We’re here to help you understand what you need to know to fund your education. 

Federal Aid

American National University participates in federal and other financial aid programs.

There are two general categories of federal aid you may be eligible for, including:

FEDERAL PELL GRANT*

This program was established for undergraduate students with financial need who have not earned a bachelor’s, graduate or professional degree. All undergraduate academic programs offered at ANU meet institutional eligibility requirements. Student eligibility is determined according to a formula established by the federal government. For the 2024-2025 award year, the Federal Pell Grant annual award is up to $7,395 for a full-time student.  Eligible students who attend less than full-time or who attend less than the full award year are eligible to receive a reduced award.  Beginning with the 2017-18 award year, eligible students may receive up to 150 percent of their Federal Pell Grant Scheduled Award. To be eligible for the additional Pell Grant funds, the student must be enrolled at least half-time in the payment period(s) for which the student receives the additional Pell Grant funds in excess of 100 percent of their scheduled award.

Students apply for this program by submitting the Free Application for Federal Student Aid (FAFSA). The completion of the FAFSA results in the calculation of an Student Aid Index (SAI)*, which is used along with other factors to determine the student’s eligibility for this grant. These factors include the academic year structure of the University, the student’s enrollment status, and cost of attendance. Pell eligible students may receive no more than the equivalent of 12 semesters of full time Pell disbursements during their lifetime. The amounts received under the 150 percent provision will be included in determining the student’s Pell Grant duration of eligibility and Lifetime Eligibility Used. Additional eligibility requirements for future award years will depend on the federal rules in place at that time.

*An increased Pell amount is awarded to otherwise Pell-eligible children of soldiers whose parent or guardian died as a result of U.S. military service in Iraq or Afghanistan after September 11, 2001, if the student was less than 24 years old when the parent or guardian died or was enrolled at an institution of higher education at the time of the parent or guardian’s death, and who has a Pell-eligible SAI greater than 0.

*See Catalog for Pell Grant Disbursement and Enrollment Policy

IRAQ AND AFGHANISTAN SERVICE GRANT

This program was established for non–Pell Grant eligible children of military personnel killed as a result of service in Iraq or Afghanistan after September 11, 2001, if the student was less than 24 years old when the parent or guardian died or was enrolled at an institution of higher education at the time of the parent or guardian’s death, and who meets all other criteria for Pell Grant eligibility. Awards are made under the same terms and conditions as for Pell Grant and disbursements are calculated in the same manner as for Pell Grants.

FEDERAL SUPPLEMENTAL EDUCATIONAL OPPORTUNITY GRANT (SEOG)

This program was established for undergraduate students with exceptional financial need who have not earned a bachelor’s, graduate or professional degree. Priority is given to Federal Pell Grant eligible students with the lowest Student Aid Index (SAI) figures (based on the federal formula). Awards are made in the amount of $150 for each term of the award year. All undergraduate academic programs at ANU meet the institutional eligibility requirements. Students apply for this program by submitting the Free Application for Federal Student Aid (FAFSA) by the deadlines published each year. Availability of funds depend on the authorization given to the University by the federal government.

 

FEDERAL DIRECT LOANS*

Federal student loans are made available to students attending college on at least a half-time basis through the William D. Ford Federal Direct Loan (Direct Loan) Program. Under this program, the U.S. Department of Education is the lender. All programs at American National University are approved to participate in the Federal Direct Loan Program. Within this program, there are two types of federal student loans – direct subsidized loans and direct unsubsidized loans. A student may qualify for one or both depending on the student’s need and other factors. In general, the federal government pays interest on Direct Subsidized Loans while attending school at least half-time, for the first six months after leaving school (referred to as a grace period) and during a period of deferment. However, this benefit does not apply to all borrowers. See the Financial Aid Office or go to www.studentaid.gov to determine whether, and under what circumstances, the interest subsidy benefit applies to you.  Students with Direct Unsubsidized Loans are charged interest from the time the loan is disbursed until it is paid in full. The maximum amount of federal student loans that can be borrowed depends if the student is an undergraduate, a graduate or professional student or parent.  An undergraduate student can borrow each academic year in Direct Subsidized Loans and Direct Unsubsidized Loan in the range from $5,500 to $12,500, depending on the year in school and dependency status. A graduate or professional student can borrow up to $20,500 each academic year in Direct Unsubsidized Loans.   Graduate students are ineligible for Direct Subsidized Loans but may borrow through the Direct Unsubsidized Loan program.

If the student is a first-time borrower on or after July 1, 2013, some students’ Direct Subsidized Loan eligibility is limited to a time period equal to 150% of the length of their program. This is called the “maximum eligibility period” .  The maximum eligibility period is based on the published length of the program of study.  This means that the maximum eligibility period can change if the program of study changes.  The published length of each program can be found within the academic section of the catalog.

Please go to https://studentaid.gov/understand-aid/types/loans/subsidized-unsubsidized for more information regarding annual and aggregate loan limits and other financial aid information. Interest rates, fees, and loan limits are subject to legislative changes that may affect continuing eligibility. After a student graduates, leaves school or enrollment status goes below half-time the grace period will begin.  During this period, repayment information will be sent to the student by the loan servicer. Payments are usually due monthly and will be discussed with the student and the loan servicer when determining the repayment arrangements.   The loan servicer will provide the options available to repay the federal student loan.

Students may complete and submit the application for federal student aid, complete entrance counseling and sign the master promissory note at https://studentaid.gov. Note that Federal Stafford Loan information is submitted to the National Student Loan Data System, and information about the loans is accessible there to certain guaranty agencies, eligible servicers and eligible institutions of higher education.

FEDERAL DIRECT PLUS LOANS*

All academic programs offered at the institution meet the Federal institutional eligibility requirements. Graduate students and parents of undergraduate dependent students are eligible to apply through the Federal Direct PLUS Loan Program. Such loans are available for students attending the University on at least a half-time basis through the William D. Ford Federal Direct Loan program. The Department of Education is the lender of this loan program. These Direct PLUS  loans enable borrowers to borrow up to the cost of attendance minus other financial assistance received. The cost of attendance is determined by the University.  Eligibility is determined, in part, upon the credit history of the borrower. A credit check is performed during the application process.   Students and parents may complete and submit the application for federal student aid, complete entrance counseling and sign the master promissory note at https://studentaid.gov

Students and parents can request a deferment of loan repayment while the student is enrolled at least half-time and for an additional six months after the student graduates, leaves school or drops below half-time enrollment. If a deferment is not requested, payments will begin after the loan is fully disbursed (paid out). Repayment is made in monthly installments until the loan is paid in full.

Interest rates, fees, and loan limits are subject to legislative changes that may affect continuing eligibility. Additional information is available at www.studentaid.gov. Graduate students must complete entrance counseling prior to the receipt of a loan disbursement. Parent borrowers in certain, limited situations may have to complete entrance  counseling as well. You may contact your Financial Aid Office for more information.

The Department of Education website, provides more information regarding annual and aggregate loan limits.

“Note that Direct PLUS Loan information is submitted to the National Student Loan Data System, and information about the loans is accessible there to certain guaranty agencies, eligible servicers and eligible institutions of higher education.”

*See Catalog for Direct Loan Disbursement and Enrollment Policy

Federal PLUS Loan for Parents

As a parent, you may be eligible to qualify for the Federal Plus Loan (the parent loan for undergraduate students) if you have a dependent child in school. Parents may apply for this loan after their dependent has received a student financial plan, so they know the recommended amount to borrow. The maximum amount a parent may borrow is the cost of your education minus any aid that you are receiving.

If interested in applying, please visit:www.studentloans.gov

Federal PLUS Loan for Graduate Students

Similar to the Parent PLUS loan, graduate students may be eligible for the Grad PLUS loan. Graduate students may apply for this loan after they have used all their Federal Direct unsubsidized loan eligibility. Students may borrow up to the cost of education minus any other financial aid.

Direct Subsided & Unsubsidized Loans

These loans are made available to students attending college on at least a half-time basis through the William D. Ford Federal Direct Loan Program. Within these programs there are two types of loans: subsidized loans (those subsidized by the federal government) and unsubsidized loans. A student may qualify for one or both, depending upon eligibility. Repayment is made in installments, generally beginning six months after a student leaves school or from the point his or her enrollment status falls below half-time. The federal government pays interest on the subsidized loan until repayment begins and during authorized periods of deferment. Students with unsubsidized loans are charged interest from the time the loan is disbursed until it is paid back in full.

ANU-funded Scholarships & Grants

The Yellow Ribbon GI Education Enhancement Program (The Yellow Ribbon Program) is a provision of the Post 9/11 Veterans Educational Assistance Act of 2008. This program allows institutions of higher learning (degree granting institutions) in the United States to voluntarily enter into an agreement with VA to fund tuition expenses that exceed the highest public in–state undergraduate tuition rate. The institution can contribute up to 50% of those expenses and VA will match the same amount as the institution. Institutions that voluntarily enter into a Yellow Ribbon Agreement with VA choose the amount of tuition and fees that will be contributed. VA will match that amount and issue payment directly to the institutions. Most times this is done during the summer term when VA funding has reached its maximum during the year.

Application:  Military services students with military education assistance funding are evaluated for eligibility during financial aid appointments.

Award:  The grant will be awarded up to 50% of the Chapter 33 tuition payment.

The Blue Ribbon Grant is designed to recognize and assist veterans, active–duty military personnel, spouse and dependents by providing additional grant funds upon the exhaustion or expiration of military education benefits to support the individual to enhance their educational benefits.

Eligibility:  American National University provides a grant of up to 35% of the total amount that is paid toward the direct cost of education on behalf of an individual qualified by the Veterans Administration under Chapter 30, 31, 33, 35, 1606, Military Tuition Assistance or State National Guard. (MYCAA recipients are not eligible)

Application:  See the Financial Aid Office staff for an application

Award:  Eligible students may accumulate up to a maximum of $18,000 to extend or complete their programs of study, or assist a current spouse or qualified dependent at American National University. Once earned the accumulated grant amount may be utilized to pay tuition and fees at American National University in any academic program or degree level. The grant can be used in any program or degree level and the grant funds must be used within 10 years of the last day of the term the Blue Ribbon Grant was earned.

The military student earning the grant may elect to transfer the earned grant to a current spouse or qualified dependent under the age of 30. In the event of such transfer, the grant will be considered earned, transferable, and payable toward the transferee spouse or qualified dependent’s account following the completion of any term in which the military student’s benefits are paid toward the transferor’s tuition and fees.

The American National University Private Loan Supplemental Grant assists students who utilize private loan funds to finance their tuition and fee costs at American National University.

Eligibility: American National University students who are financing such costs with private loan funds may qualify. The grant amount depends upon the number of courses financed by the private loan funds. Students who are taking Federal Direct Loans will not quality for this grant.

Application Process: Students are reviewed for eligibility at the time the institution becomes aware of their private loan.

Award: The maximum grant amount is up to 40% of the amount of the private loan required to fund their education not to exceed tuition cost. The University has allocated $600,000 to fund this grant program for the 2025-2026 award year. Continued eligibility is determined at the time of reapplication

The Business Partnership Grant was designed to provide additional assistance to students receiving employer tuition assistance, who are attending the University in order to obtain new job skills or to upgrade existing job skills

Eligibility: Eligible students are identified through association with a company that has entered into a tuition assistance agreement with the University. Continued eligibility is dependent on the continued receipt of employer tuition assistance. This award is not available to those who are enrolled as international students.

Application Process: Eligible students and their employers will complete the Business Partnership Grant application and will return the completed application to the Financial Aid Office.

Award: Awards are made up to $1 for every $2 of employer tuition assistance received, limited to the amount of unpaid tuition costs.

The Workforce Development Grant is awarded and funded by American National University. It is designed to assist eligible displaced or disadvantaged students in financing an education to help them enter or reenter the workforce or to transition into another career.

Eligibility: Eligibility is based on a student’s status as dislocated or disadvantaged, as determined through their association with local, state, or federal job training programs such as WIOA or TAA; the amount of a student’s remaining tuition and fees after the application of other aid; and the availability of grant funds. Students are required to utilize grant and scholarship funding available through local, state, and federal sources such as WIOA, TAA, Pell, SEOG, etc., institutional grants and institutional scholarships before they may be considered for the Workforce Development Grant. Students may receive this grant for subsequent years if eligibility criteria are met.

Award: If eligibility is established, awards are made annually, in an amount not to exceed $7,500 or the amount of a student’s remaining tuition and fee costs after the application of other financial aid, whichever is less. No more than $1,500 will be awarded per term.

The University Transfer Grant is designed to enhance collaboration between educational institutions and facilitate continued higher education for international students. It is offered to students from Universities and Colleges or English as a Second Language programs within the United States who transfer their I-20 to American National University or its affiliates. The grant is a lifetime maximum award of $1,000, credited to the student’s account during their first term of enrollment, and is non-renewable. The lifetime maximum award may be exceeded by an additional $1,000 in the event a student transfers to American National University or its affiliates due to the completion of a degree. This grant may not be combined with any other grant or scholarship program and is available to students who enroll before May 15, 2026.

American National University is committed to supporting lifelong learning and honoring the dedication of its graduates. The ANU Legacy Merit Scholarship is a one-time, non-renewable merit award of $750, created to encourage former students who have completed a degree at ANU to return and pursue a second or higher degree at the university or its affiliates.

To be eligible for the merit scholarship, applicants must have earned a prior degree from American National University with the following minimum credit hours and GPA:

  • Diploma/Certificate: 36 credit hours with a GPA of 3.0 or higher
  • Associate’s Degree: 69 credit hours with a GPA of 3.0 or higher
  • Bachelor’s Degree: 135 credit hours with a GPA of 3.0 or higher
  • Master’s Degree: 42 credit hours with a GPA of 3.5 or higher

Additionally, students must enroll in a new program within one year of completing their previous ANU degree to remain eligible

The scholarship is awarded as a lifetime maximum of $750, credited to the student’s account during their first term of re-enrollment.

In cases where a student transfers to ANU or one of its affiliates following the completion of a degree, the lifetime maximum may be increased by an additional $750. This scholarship may not be combined with any other institutional scholarship program and is available only to students who enroll before May 15, 2027.

This scholarship serves as a token of appreciation for our alumni’s continued trust in ANU as their partner in education.

American National University is proud to support its international alumni who continue to pursue academic and professional advancement. The ANU Legacy Merit Scholarship is a one-time, non-renewable merit award of $750, designed to recognize and assist international students (on an active I-20 status) who have previously completed a degree at ANU and return to pursue a second or higher degree at the university or its affiliates.

To qualify for the merit scholarship, applicants must have completed and earned a prior degree from American National University that included at least 135 credit hours toward a bachelor’s degree, or 42 credit hours toward a master’s degree. The scholarship is awarded as a lifetime maximum of $750, credited to the student’s account during their first term of re-enrollment.

In cases where a student transfers to ANU or one of its affiliates after completing a degree, the lifetime maximum may be exceeded by an additional $750. The scholarship cannot be combined with any other scholarship program and is only available to students who enroll before May 15, 2027.

This scholarship supports our legacy of education and global connection, continuing the tradition of excellence for our international alumni.

This grant has been established by American National University to provide administrators, at the direction of the President, with the ability to assist students in overcoming financial barriers to program completion, including but not limited to students who have experienced a reduction in eligibility for Title IV funds, students who are not eligible for Title IV funds, students whose schedules have created undue financial hardships, and students for whom a financial barrier due to a prior withdrawal from enrollment exists. It is the intent of the University in establishing this grant that its parameters be construed as widely as necessary to effectuate the goal of reducing financial barriers to enrollment, re–enrollment, and program completion.

The Mongolian Dreamer Grant is an institutional tuition grant established to support qualified international students from Mongolia enrolling at American National University through approved institutional partnerships and pathway agreements. Eligible students may receive a tuition grant equal to twenty-five percent (25%) of tuition charges for approved undergraduate and graduate degree programs. The grant is intended to support the University’s international enrollment initiatives and strengthen collaborative educational
relationships with partner institutions in Mongolia.

To be eligible for the Mongolian Dreamer Grant, students must:
• Be admitted to an approved undergraduate or graduate degree program;
• Be identified through an approved partner institution or pathway agreement;

The Mongolian Dreamer Grant:
• Applies a grant equal to twenty-five percent (25%) of eligible institutional tuition charges each term;
• Students are responsible for payment of all remaining tuition balances;
• Has no cash value;
• Is non-transferable;
• Is not redeemable for cash or credit balances;
• May not be combined with other institutional grants, scholarships, or tuition reductions unless specifically approved by the University; and
• Does not apply to fees, books, supplies, housing, transportation, or other non-tuition charges.

To remain eligible for the Mongolian Dreamer Grant:
• Maintain Satisfactory Academic Progress as defined by the University catalog;
• Remain in good academic, financial, and conduct standing with the University; and
• Maintain continuous enrollment unless otherwise approved by the University.

The grant will continue for the duration of the student’s eligible program of study provided all eligibility requirements continue to be met. The University reserves the right to modify, suspend, or discontinue the grant at any time for future students or future enrollment periods. The University may require additional documentation to verify eligibility for participation in this program. Effective Date: The Mongolian Dreamer Grant is effective for students enrolling on or after June 1, 2026, and will be reviewed annually for continuation by the University.

Sharing the ANU experience just got even more rewarding! Through our Refer a Friend Grant, current students have the exciting opportunity to help friends, family, or colleagues take the next step in their education—while giving them a head start with a $750 grant. When an applicant student that is referred by a current student, enrolls at American National University, they will receive a $750 grant applied directly to their first term. It is a great way to support someone’s future while helping build a strong and successful ANU community.

Grant Eligibility & Terms: To qualify for the Refer a Friend Grant, the following conditions must be met:

For the Referring Student: Must be enrolled at ANU during the term the referred student begins enrollment.

For the Referred Student:

  • Must be a first-time applicant to American National University.
  • Must list the referring student’s name on their application or during the admissions process.
  • Must meet all university admissions requirements.
  • Must be enrolled for at least half-time enrollment (minimum of 8 credit hours) during their first term.
  • Will receive a $750 grant applied directly to their first-term tuition balance.
  • Will receive the grant regardless of multiple referrals (only one grant awarded per eligible student).
  • The Grant is a one-time award and is non-renewable.
  • The Grant is awarded to the recipients may only be credited to their accounts and used to assist with the payment of their tuition and are not redeemable in cash.
  • The Grant cannot be combined with any other institutional grants or scholarships.
  • The Grant is only awarded if the referred student remains enrolled until the final week of their first term.

We are proud to grow the ANU community through the enthusiasm and outreach of our students. Help someone start their journey—refer a friend today!

Additional information regarding the federal aid programs is available in the University Catalog or in the Financial Planning Office.

If interested in applying, please visit:www.studentloans.gov

Veteran and Military Education Benefits

“At American National University, we know the value of your service to our country,” says Frank Longaker, President of American National University and a Vietnam veteran, ’68–’70. “With our help, you can turn your military educational benefits into a promising and exciting new career and fully enjoy the freedom and prosperity your service has helped to guarantee for all Americans. Come join thousands of your fellow members of the military and their families, from the Spanish-American War through the War on Terror, who have chosen American National University for their education.”

 We’ll help you complete all the necessary paperwork, and make it as easy as possible for you to become an American National University graduate!

If you participated in the Montgomery GI Bill® program, you can take advantage of these monthly benefit rates for full-time students:

Transfer of Credits

One of American National University’s goals as a higher-educational institution is to provide students with seamless transitions in advancing their education to new levels. We do this through a variety of ways:

Our “Progressive Learning Path” where each of our degrees feeds into the next degree level, from our diploma and certificate programs all the way to our graduate degrees.

We accept credits for life/work experience and previous educational credits. The transfer credit review process for applying life/work experience and previous educational credits is easily accessible at American National University and free.

And through our Academic Partnerships Agreements with other higher-educational institutions across the country. Academic Partnership Agreements allow students, such as yourself, to maximize your degree potential and further your career goals. They remove roadblocks hindering credit transfer and admissions into programs, and allow you to easily move to the next degree level at American National University

State Grant Assistance

Each state has specific rules for state aid eligibility for students. Contact your Financial Aid Officer for more information

Private Loans

Private loans may be available to students and their parents (if applicable) through private lending institutions. Lenders reserve the right to choose the schools and borrowers they will approve. Requirements vary, and all loans must be repaid. Federal loans should be sought first before applying for private loans.

Other Grants and Scholarships

There may be other scholarships available to help students with tuition at American National University. Scholarships come from a variety of institutional, public, and private sources and recipients must meet proper eligibility criteria. For assistance contact our Student Financial Services department.

* Not affiliated with American National University

 Build the foundation of your goals at American National University.

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