How To Use the FAFSA for CUNY Classes 2026

The City University of New York (CUNY) system is one of the most affordable and accessible higher education options in the country, serving hundreds of thousands of students across its 25 campuses. Known for offering quality programs at a lower cost, CUNY attracts learners from all backgrounds.

Many students wonder whether the Free Application for Federal Student Aid (FAFSA) applies to CUNY classes, and the answer is yes. CUNY schools participate in federal Title IV aid programs, which means you can use FAFSA to access Pell Grants, loans, and work-study. Below, we’ll walk through the steps to using FAFSA for your CUNY education.

Does FAFSA Cover CUNY Classes?

Yes, FAFSA applies to all schools within the CUNY system. That includes community colleges, senior colleges, and graduate programs, since every CUNY institution participates in federal Title IV aid. By completing the FAFSA, you can access Pell Grants, federal student loans, and federal work-study opportunities to help with tuition, fees, and related costs. 

For example, a full-time student at CUNY’s community colleges might receive Pell funding to cover most tuition, while graduate students can apply for federal loans. Regardless of the level, FAFSA plays a central role in making CUNY affordable.

Step-By-Step Guide: How To Use FAFSA for CUNY Classes

Using FAFSA at CUNY schools follows the same process as at other public colleges, but you’ll want to pay attention to program eligibility, deadlines, and award letters. Below are the key steps to make sure your aid is processed correctly and applied to your CUNY tuition.

1. Choose Your CUNY College and Program

FAFSA funding can be applied to any CUNY institution, but it must go toward an eligible program. All of CUNY’s community and senior colleges participate in Title IV aid, yet only degree-granting or approved certificate programs qualify for federal funding. That means personal enrichment or noncredit courses won’t be covered. 

When you’re selecting a CUNY program, double-check that it leads to a certificate, associate, bachelor’s, or higher-level credential. Each CUNY campus has a financial aid office that can confirm program eligibility and guide you on what forms to complete. 

2. Gather Required Documents and Create Your FSA ID

Before starting the FAFSA, make sure you have the right information on hand. You’ll need your Social Security number, most recent tax return, W-2 forms, and records of untaxed income. Dependent students must also include a parent’s financial details. 

Creating an FSA ID is an essential step because it allows you to file FAFSA electronically, sign your application, and access financial aid records later. Having documents ready and your FSA ID set up ahead of time will make the process smoother and reduce delays in receiving aid for your CUNY classes.

3. Complete the FAFSA Application With the Correct CUNY School Code

Once you’re ready, go to FAFSA.gov to complete your FAFSA application. Here, you’ll enter the Federal School Code for your CUNY college to ensure your information is sent to the correct campus. Each CUNY school has its own code, so double-check before submitting. 

If you’re applying to more than one CUNY institution, you can add multiple codes to your FAFSA. Make sure to submit the form early so you can meet federal deadlines and be considered for state and institutional aid that may run out quickly.

4. Review Your FAFSA Submission Summary

Once your FAFSA is processed, you’ll get a FAFSA Submission Summary instead of the older Student Aid Report (SAR). This summary shows the details you submitted and lists your Student Aid Index (SAI), which colleges use when calculating financial aid packages. 

Take time to double-check the information for accuracy, since mistakes can delay or reduce your aid. If corrections are needed, you can log back in and update your application. Some students may also be selected for verification, where your school requests additional forms like tax records.

5. Check Your CUNY Financial Aid Package

Once your FAFSA is processed, your CUNY financial aid office will send an award letter, often available through your student portal. This package outlines the types of aid you qualify for, which may include Pell Grants, the Federal Supplemental Educational Opportunity Grant (SEOG), federal student loans, and federal work-study.

Review each line item carefully to see what’s offered and what needs to be repaid. For example, grants don’t require repayment, while loans do. You can decide which aid you want and don’t want.

6. Apply for New York State Aid

One of the benefits of attending CUNY is access to both federal and state aid. When you complete the FAFSA, you’ll also be prompted to apply for New York’s Tuition Assistance Program (TAP), which provides additional need-based support. 

On top of that, eligible students may qualify for the Excelsior Scholarship, which can cover remaining tuition costs at CUNY schools after federal and state aid is applied. These programs make CUNY especially affordable, but they have their own eligibility rules and deadlines. Be sure to complete both FAFSA and TAP applications early to maximize your funding opportunities.

7. Accept Your Aid and Plan for Disbursement

After reviewing your award, you’ll need to accept the aid you want to use. Prioritize grants and scholarships first, since they don’t need to be repaid, and borrow only the amount of loans necessary to cover your costs. 

Once accepted, aid is disbursed directly to your CUNY tuition account, usually at the start of the semester. If your aid exceeds tuition and fees, you may receive a refund to use for books, transportation, or other expenses. Be sure to check your CUNY financial aid office’s calendar for disbursement dates so you can plan ahead for payments.

Other Financial Aid Opportunities for CUNY Students

FAFSA is the foundation of most financial aid packages, but it isn’t the only resource available to CUNY students. CUNY and the state of New York offer their own programs that can further reduce costs, provide academic support, and help you graduate with less debt.

1. Apply for CUNY-Specific Scholarships

CUNY offers a variety of scholarships that go beyond federal and state aid. Some are merit-based, recognizing strong academic performance, while others are need-based or tied to specific majors and career goals. At certain campuses, students are automatically considered for scholarships once they’ve applied and submitted FAFSA. 

Other campuses require a separate application, often through the college’s scholarship portal. For example, the Macaulay Honors College provides generous scholarships to eligible undergraduates. Checking your campus’s financial aid website will help you find opportunities tailored to your program and background.

2. Explore SEEK and College Discovery Programs

The SEEK (Search for Education, Elevation, and Knowledge) program at CUNY senior colleges and the College Discovery program at CUNY community colleges provide extra support for economically disadvantaged students. These programs offer more than financial aid. They include academic counseling, tutoring, and personal support services. 

Participants may receive additional funding for books and supplies, along with smaller class sizes and dedicated advisors. If you qualify, SEEK or College Discovery can make a big difference in navigating college successfully while keeping costs low. These programs are highly competitive, so apply early if you think you’re eligible.

3. Look Into Federal and Private Scholarships

In addition to FAFSA and CUNY-based aid, you can apply for outside scholarships to further reduce costs. Many students combine private scholarships with federal aid to cover tuition, books, and transportation. Community foundations, local businesses, and national organizations often offer awards for students in specific fields or with certain backgrounds. 

For example, a professional association may fund scholarships for business or STEM majors, while local nonprofits support first-generation college students. These scholarships can usually be “stacked” on top of FAFSA, making them a smart way to fill any gaps in your financial aid package.

4. Consider Employer or Community Grants

If you’re working while attending CUNY, check if your employer offers tuition assistance or reimbursement programs. Some companies help cover the cost of college if your courses relate to your job or career development. Community organizations and local nonprofits may also provide grants for adult learners, part-time students, or those returning to school after a break. 

Workforce development programs in New York sometimes fund tuition for in-demand fields like health care or technology. These resources may not always be as large as federal aid, but they can make a noticeable difference in reducing out-of-pocket expenses.

FAQs About FAFSA and CUNY Classes

Many students have questions about how FAFSA works at CUNY, from eligibility rules to how aid is applied. Below are answers to some of the most common concerns.

Do All CUNY Colleges Accept FAFSA?

Yes, every CUNY college accepts FAFSA because all are Title IV eligible institutions. This includes community colleges like Borough of Manhattan Community College, senior colleges such as Hunter College, and graduate programs across the system. 

No matter which campus you choose, you can apply for federal Pell Grants, loans, and work-study. The key is making sure your program is degree- or certificate-granting, since noncredit courses typically don’t qualify.

Does FAFSA Cover Summer Classes at CUNY Schools?

FAFSA can cover summer classes at CUNY if you still have remaining aid eligibility for that academic year. Federal Pell Grants, student loans, and sometimes work-study may be applied, depending on your enrollment status and the number of credits you take. Since summer terms are shorter and may have different deadlines, it’s important to check with your CUNY financial aid office early.

Does FAFSA Cover Winter Classes at CUNY Schools?

Yes, FAFSA may also cover winter classes at CUNY, but it depends on how your campus classifies the winter intersession. In most cases, these short terms are considered part of the fall or spring semester, meaning Pell Grants and federal loans can apply if you meet enrollment requirements. However, policies vary by campus, so it’s best to ask your financial aid office directly.

Can Part-Time CUNY Students Use FAFSA?

Part-time students at CUNY can still use FAFSA, though the amount of aid may be adjusted. Federal Pell Grants are prorated based on the number of credits you take, and you may still qualify for loans if you’re enrolled at least half-time. Work-study may also be available, though opportunities can be more limited. 

Does FAFSA Cover CUNY Online Programs?

Yes, accredited online programs at CUNY are FAFSA-eligible as long as they count toward a degree or approved certificate. Whether you’re completing an online associate degree through a community college or a bachelor’s program at a senior college, you can apply Pell Grants, loans, or work-study if eligible. 

Noncredit online courses, such as stand-alone licensing prep classes, are not covered. To be sure your specific program qualifies, confirm with the financial aid office at your CUNY campus before enrolling.

How Do FAFSA and TAP Work Together for CUNY Students?

FAFSA and TAP complement each other to make CUNY more affordable. FAFSA determines your eligibility for federal grants, loans, and work-study, while TAP provides additional state-based aid for New York residents. Together, they can significantly reduce tuition costs. Filing both applications ensures you receive the maximum support available for your CUNY education.

Explore FAFSA-Eligible CUNY Programs

Explore FAFSA-eligible CUNY colleges on Learn.org to find programs that fit your goals. Confirm each school’s Federal School Code and connect with financial aid offices to make sure you maximize grants, loans, and scholarships available for your education.