Loan Repayment
Repayment begins six months after graduation, withdrawal or less than half-time enrollment. We encourage you to use the loan simulator, which is a new resource made available by the Federal Department of Education as a tool to help you decide which repayment plan will best meet your goals and whether you should consolidate.
Please visit the U.S. Department of Education's Loan Repayment Plans webpage for the most up-to-date information on what repayment plans are currently offered and the benefits of each for comparison.
Loan Consolidation
Consolidating allows borrowers to combine one or more of their federal education loans into one new loan to simplify repayment, which can extend the repayment term and allow for lower monthly payments. Visit the Department of Education's Federal Loan Consolidation page for more information on consolidation.
Learn more about the Federal Direct Loan Program:
You will need Adobe Acrobat Reader to view the PDF files on this site. If Acrobat Reader is not installed on your computer, you can download it for free from Adobe's site. If you are still unable to view the file, please contact us at financialaid@sunyempire.edu or call 800-847-3000.
Contact Us
Fax: 518-580-4863
Mailing Address:
Empire State University
Office of Financial Aid
111 West Ave.
Saratoga Springs, NY 12866
Questions? Contact 1Stop Student Services at 518-587-2100 or 800-847-3000.
FAFSA Info
Code: 010286
Name: Empire State College
TAP Codes
Undergraduate Associate: 0916
Undergraduate Bachelor's: 0913
Graduate: 5680 (for graduate students applying for Veteran Tuition Awards)
Announcements
Students applying for aid for the summer 2024 term, fall 2024 term or spring 2025 must submit a 2024-2025 FAFSA.
There are significant delays on the part of the U.S. Department of Education with FAFSA and the awarding of financial aid! View the most up-to-date information on the status at FAFSA Update.