Can graduate students get a Pell Grant? The short answer is no. Pell Grants are only available to undergraduate students who have not yet earned a bachelor’s or professional degree. However, there are other federal and state aid options for graduate students. This article explains the rules, exceptions, and what you can do instead.
What Is a Pell Grant?
A Pell Grant is a form of federal financial aid that does not need to be repaid. It is designed to help low-income undergraduate students pay for college. The U.S. Department of Education awards Pell Grants based on financial need, cost of attendance, and enrollment status.
To qualify, you must be enrolled in an eligible undergraduate program. You also must maintain satisfactory academic progress. The maximum award changes each year, but for the 2025–2026 award year, it is $7,395.
Why Are Graduate Students Not Eligible?
The federal rules are clear: Pell Grants are for undergraduates only. Once you have earned a bachelor’s degree, you are no longer eligible for a Pell Grant. This includes students pursuing a master’s, doctoral, or professional degree such as law or medicine.
There is one narrow exception. If you are enrolled in a post-baccalaureate teacher certification program, you may be eligible. But this only applies if the program does not lead to a graduate degree. Most graduate students will not qualify.
Alternatives to Pell Grants for Graduate Students
Even though you cannot get a Pell Grant, you have several other ways to pay for graduate school. Here are the most common options:
- Federal Direct Unsubsidized Loans: Graduate students can borrow up to $20,500 per year. Interest accrues while you are in school.
- Federal Grad PLUS Loans: These loans cover the remaining cost of attendance after other aid. They require a credit check.
- Graduate Assistantships: Many universities offer teaching or research assistantships that include a stipend and tuition waiver.
- Scholarships and Fellowships: Professional organizations, foundations, and universities offer merit-based funding for graduate students.
- Employer Tuition Reimbursement: Some employers help pay for job-related graduate courses.
How to Apply for Graduate Financial Aid
To receive any federal aid, you must complete the Free Application for Federal Student Aid (FAFSA). The FAFSA opens on October 1 each year. You should submit it as soon as possible because some aid is first-come, first-served.
When you file the FAFSA, you will list the graduate school you plan to attend. The school will then create a financial aid package for you. This package may include loans, work-study, and any institutional scholarships you qualify for.
Comparison: Pell Grant vs. Graduate Loans
| Feature | Pell Grant | Graduate Unsubsidized Loan |
|---|---|---|
| Eligibility | Undergraduate only | Graduate students |
| Repayment | Not required | Required with interest |
| Interest Rate | None | Fixed (e.g., 6.54% for 2025–2026) |
| Maximum Amount | $7,395 per year | $20,500 per year |
Tips to Reduce Graduate School Costs
Graduate school can be expensive, but you can lower the cost with careful planning. Here are some actionable tips:
- Apply for assistantships early—many are competitive and awarded before admission.
- Look for external fellowships in your field of study.
- Consider part-time enrollment if you work full-time.
- Choose a public university if possible, as they often have lower tuition.
- Ask the financial aid office about emergency grants or tuition waivers.
State and Institutional Aid
Many states offer grants for graduate students, but they are less common than undergraduate aid. For example, some states have loan repayment programs for students who work in high-need fields. Check with your state’s higher education agency.
Universities also have their own funding. Many graduate programs offer full funding for doctoral students, including tuition and a living stipend. Master’s students may receive partial scholarships. Always contact the department directly to ask about available funding.
Final Thoughts
While a Pell Grant for graduate students is not available, you still have many ways to fund your education. Federal loans, assistantships, scholarships, and employer benefits can help. Start by filing the FAFSA and researching your school’s aid options. With a solid plan, you can afford graduate school without a Pell Grant.
Frequently Asked Questions
Can I get a Pell Grant if I already have a bachelor’s degree?
No, Pell Grants are only for undergraduate students who have not yet earned a bachelor’s or professional degree.
Are there any exceptions for graduate students to get a Pell Grant?
The only exception is for students enrolled in a post-baccalaureate teacher certification program that does not lead to a graduate degree.
What federal aid can graduate students get instead of a Pell Grant?
Graduate students can get Federal Direct Unsubsidized Loans and Grad PLUS Loans, but they must be repaid with interest.
Do I need to fill out the FAFSA for graduate school?
Yes, you must submit the FAFSA to be considered for federal loans, work-study, and some institutional aid at your graduate school.
Can I get a Pell Grant for a second bachelor’s degree?
No, once you have earned a bachelor’s degree, you are no longer eligible for a Pell Grant, even if you are pursuing another bachelor’s degree.
