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class="search__field-mod"> <input class="search__field" id="search-input" type="text" name="s" value="" placeholder="What are you looking for?" autocomplete="off"> <button type="submit" class="search__button"> <svg width="23" height="22" viewBox="0 0 23 22" version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" stroke="currentColor" stroke-width="1.5" class="icon--search-mag search__mag"> <g stroke="currentColor" fill="none"> <circle cx="9.20757329" cy="8.99160695" r="8.50646589"></circle> <path d="M14.8522097,14.6362434 L20.7140392,20.4980728"></path> </g> </svg> <span class="visually-hidden">Submit Search</span> </button> </div> </form> </div> </div> </header> <main class="main" id="main"> <div class="page-outer"> <nav aria-label="breadcrumb" class="breadcrumbs"> <ol class="breadcrumbs__list"> <li class="breadcrumb"><a class="breadcrumb__link" href="https://sfs.mit.edu/undergraduate-students/">Undergraduate students</a></li> <li class="breadcrumb"><a class="breadcrumb__link" href="https://sfs.mit.edu/undergraduate-students/our-approach-to-aid/">Our approach to aid</a></li> </ol> </nav> <h1 class="page__title"><span class="visually-hidden">Our approach to aid: </span>What we consider</h1> <article class="page__body"> <div class="page__text-mod"> <p class="intro-text">Our helpful, dedicated financial aid counseling team works individually with our students and their families to help them afford MIT.</p> <p>We are one of only <a href="https://en.wikipedia.org/wiki/Need-blind_admission#U.S._institutions_that_are_need-blind_and_meet_full_demonstrated_need_for_both_U.S._and_international_students" target="_blank" rel="noopener">nine American universities</a> that practice <a href="https://sfs.mit.edu/glossary/#term-need-blind-admissions" target="_blank" rel="noopener">need-blind admissions</a> and offer <a href="https://sfs.mit.edu/glossary/#term-full-need" target="_blank" rel="noopener">full-need aid</a> to all of our students, domestic and international. This means that your <span class="annotation-mod js-annotation"> <span class="annotation-link js-annotation-trigger"> <span class="annotation__text"> family’s ability to pay for MIT<span style="white-space: nowrap">⁠<a id="annotation-trigger-1" class="annotation__number" aria-describedby="annotation-1" href="#annotation-1">01</a></span> </span> </span> <span class="annotation">Beginning with the 2025–2026 academic year, families whose total income is less than $100,000, with typical assets, are not expected to contribute toward their student’s MIT education. However, students are still expected to contribute toward their own expenses from their summer savings contribution and student employment during the school year. As a student you may be able to offset your expected student contribution with an outside scholarship or a Pell Grant if eligible.</span> </span>  is not factored into your consideration for <a href="http://mitadmissions.org/" target="_blank" rel="noopener">admission</a>, and if you are admitted we will provide you with financial aid that meets 100% of <span class="annotation-mod js-annotation"> <span class="annotation-link js-annotation-trigger"> <span class="annotation__text"> your demonstrated financial need.<span style="white-space: nowrap">⁠<a id="annotation-trigger-2" class="annotation__number" aria-describedby="annotation-2" href="#annotation-2">02</a></span> </span> </span> <span class="annotation">Demonstrated financial need is a term used in the financial aid world that means something like 'the amount of financial aid we estimate your family needs in order to afford MIT, based on the information you provided. Determining one's financial need is a mix of an art and a science: as this page explains, some of our need analysis is based on standard calculations, and some of it is the consideration of other, individual circumstances. If you are concerned you are unable to afford MIT after seeing your financial aid offer, please reach out to your financial aid counselor. You may be asked to submit a financial aid appeal.</span> </span>  </p> <ul> <li>Beginning with the 2025–2026 academic year, families whose total income is less than $100,000 a year (with typical assets) are not expected to contribute toward their student’s MIT education</li> <li>Also beginning with the 2025–2026 academic year, students whose family income is under $200,000 a year (with typical assets) attend MIT tuition-free.⁠ This means that your total grant and scholarship aid will cover at least the cost of MIT’s tuition. See the <a href="https://sfs.mit.edu/undergraduate-students/the-cost-of-attendance/annual-student-budget/">cost of attendance</a> for the current rates.</li> </ul> <p>Upon admission, every MIT student is assigned to a financial aid counselor. Your counselor works carefully to understand your financial situation in order to assess need and award aid equitably. They may reach out with questions when reviewing your financial aid application. You are also encouraged to <a href="https://sfs.mit.edu/contact/">contact your counselor</a> if you have any concerns or questions as well.</p> <p>The financial information of both your custodial household and <span class="annotation-mod js-annotation"> <span class="annotation-link js-annotation-trigger"> <span class="annotation__text"> noncustodial parent,<span style="white-space: nowrap">⁠<a id="annotation-trigger-3" class="annotation__number" aria-describedby="annotation-3" href="#annotation-3">03</a></span> </span> </span> <span class="annotation">A term used in connection with separated and divorced parents to refer to the parent who does not have custody of the child, or the parent with whom the child does not live with the majority of the time.</span> </span>  if applicable, will be considered in MIT’s needs analysis. If, however, there are extenuating circumstances that prevent noncustodial parent information from being provided, you <a href="https://sfs.mit.edu/help/faq/how-do-i-submit-the-noncustodial-profile-waiver-request-form/">may request a waiver</a> of the noncustodial parent’s information.</p> <p>Because of the complex nature of our need analysis, it is impossible to list all of the considerations that determine your aid package. However, at a high level, our counselors evaluate demonstrated need by utilizing the College Board’s Institutional Methodology and other factors that may impact your specific family’s ability to pay.</p> <h3>Some standard factors calculated in the Institutional Methodology</h3> <ul> <li>Number of people in the family</li> <li>Number of children currently attending college as an undergraduate</li> <li>Country/state of primary residence</li> <li>Total <span class="annotation-mod js-annotation"> <span class="annotation-link js-annotation-trigger"> <span class="annotation__text"> parent income<span style="white-space: nowrap">⁠<a id="annotation-trigger-4" class="annotation__number" aria-describedby="annotation-4" href="#annotation-4">04</a></span> </span> </span> <span class="annotation">Beginning with the 2025–2026 academic year, families whose total income is less than $100,000, with typical assets, are not expected to contribute toward their student’s MIT education. However, students are still expected to contribute toward their own expenses from their summer savings contribution and student employment during the school year. As a student you may be able to offset your expected student contribution with an outside scholarship or a Pell Grant if eligible.</span> </span>  from all sources, whether taxed or untaxed</li> <li>Taxes paid</li> <li>Unreimbursed medical expenses</li> <li>Private school tuition for younger siblings</li> <li> <span class="annotation-mod js-annotation"> <span class="annotation-link js-annotation-trigger"> <span class="annotation__text"> Total assets<span style="white-space: nowrap">⁠<a id="annotation-trigger-5" class="annotation__number" aria-describedby="annotation-5" href="#annotation-5">05</a></span> </span> </span> <span class="annotation">Cash, non-retirement investments, real estate (other than your primary home), the value of businesses, etc.</span> </span>  </li> </ul> <h3>Some factors not in the Institutional Methodology, but that we consider</h3> <ul> <li> <span class="annotation-mod js-annotation"> <span class="annotation-link js-annotation-trigger"> <span class="annotation__text"> How your parents have prepared so far for retirement<span style="white-space: nowrap">⁠<a id="annotation-trigger-6" class="annotation__number" aria-describedby="annotation-6" href="#annotation-6">06</a></span> </span> </span> <span class="annotation">This is for informational purposes. Your total retirement savings are not included in the asset calculation.</span> </span>  </li> <li>Financial support given to grandparents or other relatives</li> <li>Other compulsory financial obligations, whether one-time or ongoing (excluding credit card debt)</li> </ul> <p>If you have any questions about your financial aid, or if you need our help navigating a complicated situation, please <a href="http://sfs.mit.edu/contact" rel="noopener">contact us</a>! We want to understand the complexities of your financial situation and do our best to make your MIT education affordable.</p> <ol class="page__footnotes"> <li id="annotation-1" class="page__footnote"> Beginning with the 2025–2026 academic year, families whose total income is less than $100,000, with typical assets, are not expected to contribute toward their student’s MIT education. However, students are still expected to contribute toward their own expenses from their summer savings contribution and student employment during the school year. As a student you may be able to offset your expected student contribution with an outside scholarship or a Pell Grant if eligible.<span style="white-space: nowrap">⁠<a href="#annotation-trigger-1" class="page__footnote__link"> <span class="visually-hidden">back to text</span> ↑ </a></span> </li> <li id="annotation-2" class="page__footnote"> Demonstrated financial need is a term used in the financial aid world that means something like 'the amount of financial aid we estimate your family needs in order to afford MIT, based on the information you provided. Determining one's financial need is a mix of an art and a science: as this page explains, some of our need analysis is based on standard calculations, and some of it is the consideration of other, individual circumstances. If you are concerned you are unable to afford MIT after seeing your financial aid offer, please reach out to your financial aid counselor. You may be asked to submit a financial aid appeal.<span style="white-space: nowrap">⁠<a href="#annotation-trigger-2" class="page__footnote__link"> <span class="visually-hidden">back to text</span> ↑ </a></span> </li> <li id="annotation-3" class="page__footnote"> A term used in connection with separated and divorced parents to refer to the parent who does not have custody of the child, or the parent with whom the child does not live with the majority of the time.<span style="white-space: nowrap">⁠<a href="#annotation-trigger-3" class="page__footnote__link"> <span class="visually-hidden">back to text</span> ↑ </a></span> </li> <li id="annotation-4" class="page__footnote"> Beginning with the 2025–2026 academic year, families whose total income is less than $100,000, with typical assets, are not expected to contribute toward their student’s MIT education. However, students are still expected to contribute toward their own expenses from their summer savings contribution and student employment during the school year. As a student you may be able to offset your expected student contribution with an outside scholarship or a Pell Grant if eligible.<span style="white-space: nowrap">⁠<a href="#annotation-trigger-4" class="page__footnote__link"> <span class="visually-hidden">back to text</span> ↑ </a></span> </li> <li id="annotation-5" class="page__footnote"> Cash, non-retirement investments, real estate (other than your primary home), the value of businesses, etc.<span style="white-space: nowrap">⁠<a href="#annotation-trigger-5" class="page__footnote__link"> <span class="visually-hidden">back to text</span> ↑ </a></span> </li> <li id="annotation-6" class="page__footnote"> This is for informational purposes. Your total retirement savings are not included in the asset calculation.<span style="white-space: nowrap">⁠<a href="#annotation-trigger-6" class="page__footnote__link"> <span class="visually-hidden">back to text</span> ↑ </a></span> </li> </ol> </div> </article> <nav class="page__nav " aria-label="sibling pages"> <h2 class="page__nav-h">Our approach to aid</h2> <ul class="page__nav-list"> <li class="page__nav-item page__nav-item--current">What we consider</li> <li class="page__nav-item"><a href="https://sfs.mit.edu/undergraduate-students/our-approach-to-aid/understanding-your-offer/">Understanding your offer</a></li> <li class="page__nav-item"><a href="https://sfs.mit.edu/undergraduate-students/our-approach-to-aid/sample-financial-aid-offer/">Sample financial aid offer</a></li> <li class="page__nav-item"><a href="https://sfs.mit.edu/undergraduate-students/our-approach-to-aid/net-price-calculator/">Estimate your aid</a></li> <li class="page__nav-item"><a 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