Finance Your Education

As a CSEA-represented NYS employee, you have access to valuable resources to make financing your education more affordable and accessible. Reach out today to start your education journey with confidence.

There are several factors to consider when making financial decisions about your education. First, you'll want explore options and create a plan that aligns with your career goals, schedule, and budget. 
 

Our Advisors Can Help With: 

• Direct and Indirect Costs
  We’ll explain direct costs like tuition and fees, and indirect costs such as transportation, books, and childcare, which impact your overall budget.
   
• Part-Time vs. Full-Time Study
  We’ll help you weigh the financial benefits and challenges of part-time vs. full-time study, so you can choose the option that best fits your needs.
   
• Cost-Effective Learning Opportunities
  We’ll introduce you to affordable, flexible education pathways designed for working adults, including the Partnership’s free trades programs, online certificates, and courses that save money while advancing your career goals.

There are several ways to help cover your tuition costs. Maximize your benefits as a CSEA-represented NYS employee by weighing your financial assistance options and resources for funding or reimbursement.
 

Our Advisors Can Help With: 

• Tuition Benefits

  As a CSEA-represented NYS employee, you can take advantage of the Partnership’s Tuition Benefits Program to save on education costs and exam fees. Whether you’re pursuing a degree, essential skills, or job-specific certifications, we’ll guide you through your options and show you how to apply for benefits each year. 
   

• Grants

  You can apply for federal grants, work-study, and loans through the Free Application for Federal Student Aid (FAFSA) form. Upon completion, you'll be directed to the NYS Higher Education Services Cooperation regarding the state's Tuition Assistance Program (TAP).
   

• Scholarships

  We’ll guide you through finding and applying for scholarships and free services to help you secure financial aid.

  • Higher Education Services Corporation  
  • College Board 
  • Fastweb 
  • Scholarships.com 
  • Union Plus 
  • AFSCME Member Resources
     

Financing Your Education: A Quick Reference Guide

This Quick Reference Guide outlines a large variety of helpful resources available to you for earning college credits and paying for school in more affordable ways.

Explore flexible options for paying your education costs, from loans and payment plans to tax credits, ensuring you’re not burdened with debt.
 

Our Advisors Can Help With: 

• Payment Plans and Student Loans
  You can spread out your tuition expenses over multiple payments or pay per course. Federal loans’ typically have lower interest rates and flexible repayment options compared to private loans. Your school’s financial aid office can help with this.
   
• Credit for Prior Learning
  Earn college credit for prior learning assessments such as those offered through SUNY and NCCRS or for exams like CLEP and DSST. Through our Tuition Benefits Program, the Partnership also offers credit-by-exam fee reimbursement, which covers eligible exam fees, helping you start college with more credits.
   
• Education Tax Credits
  Reduce your tax bill with the American Opportunity Tax Credit (AOTC) and Lifetime Learning Credit (LLC), which can help lower the cost of higher education.
   
• Loan Forgiveness
  You may qualify for student loan forgiveness if you meet specific service requirements.