Types of Aid

Eckerd College awards residential students who show academic and/or artistic merit through our scholarship program. Academic Scholarships are awarded based on the student’s application for admission shortly after admission to the College.

Academic Achievement Scholarships - First Year Students

Eckerd College Academic Achievement Scholarships recognize outstanding applicants for admission each year. These merit-based scholarships are based on the student’s high school GPA and test scores, and are given regardless of financial need. All students who are admitted, without conditions, are automatically considered for our academic scholarships on the basis of their internally calculated GPA and SAT/ACT scores. All merit-based scholarships are renewable.

For students entering the residential program in the Fall of 2017, we will award the following academic achievement scholarships.

These scholarships may be applied to tuition charges only.

ScholarshipAmountAverage GPA-internally calculatedAverage SAT (new)/ ACT
Academic Achievement$11,0002.991130/22

International Student Scholarship & Aid

Eckerd College automatically considers international applicants for an International Student Grant of up to $18,000, and up to $2,000 in work-earned monies based on the documents and test scores you submit with your admission application. Unfortunately, Eckerd College does not offer any need-based aid to international students.

Artistic Achievement Awards

Students winning the Artistic Achievement Award will be placed in the Freshman Artist Workshop (FAW) within the Creative Arts Collegium; they will spend fall semester attending studio and workshop sessions and working closely with faculty in Music, Theatre, Creative Writing, and Visual Arts in a rich interdisciplinary arts experience. Students will create a project in each medium and their finished works will be selected for a Freshman Artist Workshop gallery show in spring semester. In order to receive the award in subsequent years, scholarship recipients must take one course per year in Music, Theatre, Creative Writing, or Visual Arts or be involved in choir, a music ensemble, a theatre production, the college newspaper, or the literary magazine.

As all applicants will be considered for participation in the Freshman Artist Workshop, please fill out only one application for the arts area of your choice. If you wish to mail, or are unable to upload, supporting material, they may be mailed directly to the Office of Admission, Eckerd College, 4200 54th Avenue South, Saint Petersburg, Florida 33711. All materials must be postmarked by the due date indicated on the application.

Submitted materials become the property of Eckerd College and will not be returned.

Creative Writing application
Music application
Theatre application
Visual Arts application

Humanities Research Associateship

The Andrew W. Mellon Foundation has awarded Eckerd College a $100,000 grant to fund a three-year initiative aimed at strengthening humanities education and research.

A group of 15 incoming freshmen will receive a $1,000 research stipend, be housed together in one wing of a residence hall and participate in a new topical research seminar, “Race and Sexuality Across Cultures”.

About the course: Ideas of race and sexuality are central to identity formation and social relations across cultures. Notions of race or sexual identity are not, however, universal, but rather competing products of complex cultural and historical processes. In this course you will collaborate with professional scholars and with other humanities students to research how race and sexuality operate cross-culturally. Not only will you delve into the critical theory and intellectual history of race and gender, you will also investigate the lived experiences of social and political actors on the ground.

Apply for the Humanities Research Scholarship

You may also want to consider our Freshman Research Associateship opportunities.

Freshman Research Associateships

Eckerd College Research Associateships are awarded to approximately 25 incoming freshmen each year. Students are selected on the basis of their overall high school record and are given the opportunity to work closely with a member of the faculty on a research project of mutual interest. The associateship includes a one-year stipend of up to $1,000. The application must be postmarked by February 1st.

View and apply for a 2016-17 Freshman Research Associateship Opportunities.

You may also want to consider our Humanities Research Scholarship opportunity.

Church and Campus Scholarships

Eckerd College Presbyterian Church and Campus Need-Based Scholarships are awarded to Presbyterian Church members, based on church and community involvement as well as financial need. Recommendation by their Presbyterian pastors is required. Nomination forms must be postmarked by February 1st.

Transfer Scholarships

Eckerd College Transfer Scholarships recognize outstanding transfer applicants for admission. Students must be admitted without conditions to be eligible for a transfer scholarship. The scholarships are available for up to four years of study at Eckerd. Recipients will be notified of their Transfer Scholarship amount shortly after admission.

Transfer Scholarships are based on the cumulative GPA of all previous college work and are awarded as follows:

3.5 – 4.0 = $14,000
3.0 – 3.49 = $12,000
2.5 – 2.99 = $7,000

Phi Theta Kappa Scholarship

Any transfer student who is a member of Phi Theta Kappa will receive a $1,000 merit award. Please provide proof of your membership to our Transfer Counselor.

Athletic Aid

Eckerd College is a NCAA Division II college and a member of the Florida Sunshine State Conference. Athletic aid is available for select sports. Please contact the Athletic Department for specific details.

VA Benefits Chapter 33 and Yellow Ribbon

VA Benefits Chapter 33 and Yellow Ribbon Eckerd College accepts VA educational benefits for eligible veterans or their dependents under the new Chapter 33 (Post 9/11) GI Bill. Currently the VA in Florida provides $295 per course hour towards a student’s tuition and mandatory fees in accordance with Chapter 33. Because our combined tuition and fees exceed this amount, eligible veterans or their dependents who enroll in the Eckerd College Residential Program or in the Program for Experienced Learners (PEL) will receive additional funding through the Yellow Ribbon Program.

The Yellow Ribbon GI Education Enhancement Program became effective Aug. 1, 2009 as a supplement to the Post 9/11 Veterans Education Assistance Act of 2008. Eckerd has entered into an agreement with the U.S. Department of Veterans Affairs (VA) to fund full tuition and student fee expenses (excluding room, board and other charges) for all students who qualify for the VA’s new Yellow Ribbon Program. Students who are eligible for the Yellow Ribbon Program will receive a grant from Eckerd College which covers out-of-pocket tuition charges and student fees which are not covered by VA benefits or other state and federal financial gift aid program. The institution’s portion of Yellow Ribbon Grant will replace any previously awarded Eckerd College scholarship or grant.

For more information about the Yellow Ribbon Program, see www.gibill.va.gov or call (888) GI-Bill-1. You may also contact Pat Watkins watkinpe@eckerd.edu 727-864-8334.

Other State Scholarships

Students from outside of Florida should check with their state scholarship agency to determine if scholarship funds are portable to colleges in Florida. Students from MarylandRhode Island and Vermont may be able to use their state scholarships at Eckerd College. Eligibility will be determined by the state scholarship agency and may be based upon need, academic achievement or course of study.

Private Scholarship Sources

Organizations, foundations, businesses and individuals also support continued education through scholarship programs. There are a number of excellent free website and search programs to help you locate these scholarship funds. Do not pay for a scholarship search as these services are usually not reliable. The following sources are options you may want to consider. You may also find options through your high school guidance office, service organizations, religious affiliations, or your parent’s employer.

Student Loan Programs

Many students find it necessary to borrow to pay for educational expenses. Federally sponsored loans are the best way to finance educational costs since the interest rates are lower than private loans. Repayment begins after you are no longer enrolled in school at least half time. While the standard repayment period is for up to ten years, you may apply for an extended repayment schedule. Both the Federal Perkins Loan and the Federal Direct Loan programs offer loan forgiveness programs if a borrower is employed in certain public or military service positions.

Federal Perkins Loan

Eckerd College awards the Federal Perkins Loan to students with exceptional financial need. These funds are very limited and students are encouraged to apply prior to the priority deadline to receive full consideration. Borrowers have up to 10 years to repay this loan. The 5% interest rate begins to accrue nine months after the borrower is no longer enrolled at least half time.

Federal Direct Loan Program

The Federal Direct Loan is a low-interest loan program available to all students. The current interest rate for subsidized and unsubsidized loans is fixed at 3.86%. Repayment begins six months after the borrower is no longer enrolled at least half time for a period of up to 10 years. The interest on the Federal Direct Loan is subsidized (paid by the federal government on the student’s behalf) for students with financial need. While interest accrues on an unsubsidized Federal Direct Loan, the interest payments may be capitalized. The capitalized interest amount will be added to the principal balance when repayment begins.

The maximum amount a student can borrow is based on grade level.

Annual Maximum
Freshman$5,500 — No more than $3,500 may be subsidized.
Sophomore$6,500 — No more than $4,500 may be subsidized.
Junior$7,500 — No more than $5,500 may be subsidized.
Senior$7,500 — No more than $5,500 may be subsidized.

Independent students and dependent students whose parents have been denied a Federal PLUS loan may borrow additional unsubsidized Stafford loan funds. The maximum a student can borrow is based on grade level.

Annual Maximum
Freshman and Sophomore$4,000
Junior and Senior$5,000

Did you know that if you borrow $17,500 with an interest rate of 6.8%, your monthly payment would be $201.39 for 10 years?

Entrance Counseling Session

Students who have not borrowed previously must complete an Entrance Counseling Session. The Entrance Counseling Session explains the borrower’s right and responsibilities as well as review repayment provisions and options. The Session can be completed on line.

You may complete the Entrance Counseling Session at StudentLoans.gov, the Department of Ed’s website. Log in to the site using your Social Security Number, the first two letters of your last name, your birth date, and your FAFSA Pin Number. Choose Entrance Counseling from the menu on the left. Eckerd College will receive an electronic report that you have successfully completed the Entrance Counseling.

Exit Counseling Session

Federal student Loans helped you with your education expenses. Federal regulations require that you complete an Exit Counseling Session once you are no longer enrolled at least half time. This Session will also assist you with managing your student loan payments. You may do the Session on line at StudentLoans.gov. When the site opens up, do not log in. Choose “Tools and Resources” from the menu bar at the top of the page, then choose Exit Counseling from the drop down menu. This will link you to the National Student Loan Database (NSLDS). Choose Exit Counseling at the bottom of the page. There will be a few pages of information then you will log in to the actual Exit Counseling Session. You will log in with your Social Security Number, the first two letters of your last name, your date of birth, and your FAFSA Pin Number. Eckerd College will receive an electronic report that you have successfully completed the Exit Counseling.

Parent PLUS Loans

Parents may borrow the difference between a student’s financial aid and the cost of attendance. The cost of attendance includes tuition, fees, room and meal charges but also books, supplies, transportation and other personal expenses. The current interest rate of 6.41% is fixed. Repayment begins within 60 days of the second disbursement but can be deferred until the student is no longer enrolled at least half time. When the deferment option is chosen, the interest does accrue on the loan balance. The repayment period on the loan is up to ten years.

If you have previously received a Federal PLUS Loan, you must reapply for the Federal Direct PLUS Loan.  You will be required to complete a new Master Promissory Note (MPN).

Please feel free to contact the Office of Financial Aid if you have any questions regarding the Federal Direct PLUS Loan.

To apply for a Federal Direct PLUS loan, visit this site.

Please note:  Starting with Academic Year 2011-2012, two new regulations have been instituted by the Federal Government.

  1. Students must have a FAFSA record associated with them before Eckerd can award the PLUS Loan.  The parent on the FAFSA application does not have to be the parent who borrowers the PLUS.
  2. If the student has been selected for verification, the PLUS Loan cannot be awarded to the student until verification is complete

Alternative Loans

Alternative loans may be available to students who are not eligible for federal financial aid or who may need additional funds to meet educational expenses. The student’s eligibility is determined by the lender and is based upon credit worthiness. The maximum amount that a student may receive for an alternative loan is the cost of attendance less the expected financial aid.

Alternative loans are not for everyone. They are expensive and should only be borrowed when all other resources (such as Federal Direct loans, Federal Direct PLUS loans or the Tuition Pay monthly payment plan) have been exhausted.

Because alternative loans are not guaranteed by the federal government, they must be insured privately. This cost is passed on to the borrower in the form of higher fees and interest rates. In addition, the lender will look at your credit history as well as other factors to determine if they will lend to you. Most alternative loan lenders require a student to have a credit worthy co-signer for the loan. The co-signer is responsible for the repayment of your loan if you go into default, become disabled or become deceased.

Most lenders require that borrowers:

  • Be enrolled at least half time in an undergraduate program
  • Be a U.S. citizen, permanent resident or eligible non-citizen
  • Be creditworthy or have a creditworthy co-signer

Here are some questions you should ask an alternative loan provider:

  • What is the interest rate? Is the interest rate fixed or variable? What is it based on?
  • When does repayment begin? Can principal and interest be deferred?
  • Is the interest capitalized? If interest is not capitalized, when are interest payments due? What happens if payments are not made?
  • How much is the loan origination fee? Is this deducted from my loan disbursement or added to the amount I borrow?
  • Can payments be made through electronic transfer?
  • Can the loan be consolidated with other loans?
  • Can I borrow money to cover past due balances from a previous school term?
  • Are there interest rate deductions or other incentives for borrowers who make their payments on time?

Review the interest rates, repayment requirements and fees for several lenders before you apply for an alternative loan. The lender may require you to pay interest on the outstanding principal balance while you are in school. If the interest is not paid, subsequent loan disbursements may be canceled. If the lender does not collect the interest while you are in school, the interest will be capitalized. This means that the interest accruing on your loan will be added to your principal, increasing the amount of your alternative loan indebtedness. Remember, you may be denied by one lender and approved by another because of the criteria for lending established by the lender.

To be in compliance with federal reporting requirements, Eckerd College does not maintain a preferred list of lenders nor does the college recommend any lenders of alternative loans. We would suggest that you discuss alternative loans with your bank or lending institution. Information on alternative educational loans is also available through the web.

Grant & Work Programs

Federal Pell Grant

The Federal Pell Grant is awarded to students with exceptional financial need and who are enrolled in a degree program. The amount of the grant is based on the Expected Family Contribution and enrollment status. The award is reduced for less than full time study. Currently, the maximum grant is $5,350. For 2010-2011, the amount will be $5,550.

Federal Supplemental Educational Opportunity Grant

The Federal Supplemental Educational Opportunity Grant (SEOG) is awarded by Eckerd College to students, who receive the Federal Pell Grant and demonstrate extreme financial need. These funds are limited and students are encouraged to apply prior to the priority deadline to receive full consideration.

Federal Work Study

The Federal Work Study Program is awarded by Eckerd College to students, who have significant financial need. Federal Work Study funds are limited. The award amount indicates the maximum Federal Work Study funds a student can earn during the academic year. These funds are paid directly to the student as compensation for hours worked.

Florida Aid

The state of Florida provides scholarships and grants to students, who are permanent residents. To be considered a Florida resident, an independent student or either natural parent of the dependent student must have been a resident of the state, for purposes other than education, for at least twelve consecutive months prior to the first day of classes for the academic term for which assistance is requested.

At Eckerd College, all first time recipients of Florida scholarship or grants must submit documentation of Florida residency before funds can be disbursed. The Office of Financial Aid will send recipients a residency verification form when needed.

Don’t forget to review the renewal requirements section.

Florida Bright Futures Scholarship

The Florida Bright Futures Scholarship program recognizes academic achievement of Florida high school graduates with three scholarship programs. Beginning with the 2009–2010 academic year, award amounts are paid based upon the number of credit hours enrolled each semester. The Florida Academic Scholars program awards $103 per credit hour. For the 2013–2014 academic year, the average annual amount is $2,828.The Florida Medallion Scholarship and the Florida Gold Seal Scholarship program awards $77.00 per credit hour. For the 2013–2014 academic year, the average annual amount is $2,128. To apply students must contact their high school guidance counselor or Florida Bright Futures office. More information can be obtained at the Florida Department of Education site.

Florida Resident Access Grant (FRAG)

The Florida Resident Access Grant (FRAG) supports Florida students attending a non-profit, Florida private college. This award is made to full time students, with enrollment of at least 12 credit hours each semester. The award is not contingent upon either academic achievement or financial need. During the 2011-2012 academic year, the Florida Resident Access Grant is $2,149.

Florida Student Assistance Grant (FSAG)

The Florida Student Assistance Grant (FSAG) is awarded by Eckerd College to full time students, who demonstrate financial need. This scholarship ranges from $200 to $2,000 per academic year and is limited based on annual state allocations. Students must complete the Free Application for Federal Student Aid (FAFSA) to be considered for the Florida Student Assistance Grant. Priority is given to students who file before our March 1st priority deadline.

Pre-Paid Tuition Plans

Qualified Tuition Plans, also known as 529 Plans, are pre-paid tuition plans or college savings plans. Most pre-paid tuition plans are operated by state governments and pay an average of a state college’s tuition and required fees. Eckerd College is an eligible institution for the Florida Pre-Paid Tuition Program. If you have a pre-paid plan through another state, contact your plan administrator to determine the portability of this benefit.