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Reducing your tuition bill

In-state tuition

You can significantly reduce your child's tuition costs if he or she attends a state college or university as an in-state resident.

In the past, if your child wanted to get in-state tuition at a public university in another state, all he or she had to do was live in the state for a year and then claim residency.

Most states have raised the bar, making it harder for out-of-state students to claim residency just to get a discount on their education.

States now make a distinction between being a resident for taxation purposes and for tuition purposes. Many states allow the public university system to set the rules governing who can pay in-state tuition.

In general, most states require that a student meet the following criteria to claim residency for in-state tuition:

  • Duration: Most states require that your child live in the state for at least 12 months before claiming residency.
  • Intention: Most states require that the student show the intention of remaining in the state after graduating from college.
  • Independence: Most states require that the student be financially independent from out-of-state parents before claiming residency.

Exceptions to residency requirements may include:

  • Student is from a military family.
  • Student’s family recently moved.
  • Student lives near the state border.

Reciprocity agreement

Your child may be able to get in-state tuition without being a resident. Some state university systems have agreements with neighboring state systems to grant in-state tuition.

These reciprocity agreements can save you money. If your child wants to attend a school in a neighboring state, contact the office of admissions at the college to see if there are any discounts, including reciprocal in-state tuition rates.



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