"Don’t be afraid to invest in yourself with student loans. But before you do, make sure you are committed to putting in the hard work to graduate. Also, be aware of all aid deadlines; being even one day late on your aid application can be a very costly mistake."
—Marty Somero, director of financial aid at the University of Northern Colorado
The rising cost of college is no secret—especially for students looking to go out of state. Fortunately, many states offer reciprocity agreements that allow students to attend college out of state while paying in-state tuition. This map represents the four major tuition reciprocity compacts in the United States, plus some other opportunities.
New York, New Jersey, Pennsylvania, and Washington DC do not belong to any reciprocity compact, but they offer tuition discounts all their own. Contact your counselor or prospective school’s financial aid department for more info.
Two states—North Dakota and South Dakota—belong to both the Western Undergraduate Exchange and Midwestern Student Exchange.
"Check deadline dates for each school. Scholarships are first-come, first-served, so complete FAFSA and scholarship applications together to capitalize on maximum funding opportunities. Also, check for scholarship opportunities with your parents’ employers, clubs, or organizations you belong to."
—Jennifer Swanson, financial aid counselor at Metropolitan State University of Denver
A Financial Aid Story
- Estimated costs for 2015–2016: $23,679*
- Expected Family Contribution: $0
- Financial Need: $23,679
- *Full-time out-of-state tuition plus double-occupancy room/board and 20-meal plan.
State awards, private scholarships, and institutional funds helped make up Tim’s financial aid package:
- Western Undergraduate Exchange (in-state tuition voucher) $5,158
- Scholarship from Tim’s church $2,500
- Presidential Scholarship $3,000
- Pell Grant $5,550
- Federal Student Loan $5,550
- Federal Work-Study $3,550
- Total Financial Aid Package $25,308
- Tim can use leftover funds to reduce his loans or purchase books and supplies.