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href="/my-academics/earn-my-degree"><span class="su-multi-menu__link-text-wrapper">Earn My Degree</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv3"><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/undergraduate-degree-progress"><span class="su-multi-menu__link-text-wrapper">Undergraduate Students</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv4"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/undergraduate-degree-progress/undergraduate-academic-progress-statuses"><span class="su-multi-menu__link-text-wrapper">Undergraduate Academic Progress Statuses</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/undergraduate-degree-progress/undergraduate-degree-requirements"><span class="su-multi-menu__link-text-wrapper">Undergraduate Degree Requirements</span></a></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/undergraduate-degree-progress/undergraduate-honors"><span class="su-multi-menu__link-text-wrapper">Undergraduate Honors</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv5"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/node/2776/undergraduate-majors-and-minors/how-do-i-make-changes-my-undergraduate-program"><span class="su-multi-menu__link-text-wrapper">How do I make changes to my undergraduate program?</span></a></li></ul></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/undergraduate-degree-progress/undergraduate-majors-and-minors"><span class="su-multi-menu__link-text-wrapper">Undergraduate Majors and Minors</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv5"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/node/2776/undergraduate-majors-and-minors/how-do-i-make-changes-my-undergraduate-program"><span class="su-multi-menu__link-text-wrapper">How do I make changes to my undergraduate program?</span></a></li></ul></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/undergraduate-degree-progress/undergraduate-minimum-progress-toward"><span class="su-multi-menu__link-text-wrapper">Undergraduate Minimum Progress</span></a></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/undergraduate-degree-progress/test-transfer-credit"><span class="su-multi-menu__link-text-wrapper">Test & Transfer Credit</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv5"><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/undergraduate-degree-progress/test-transfer-credit/external-test-credit"><span class="su-multi-menu__link-text-wrapper">External Test Credit</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv6"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/undergraduate-degree-progress/test-transfer-credit/external-test-0"><span class="su-multi-menu__link-text-wrapper">Current Test Credit Equivalencies</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/undergraduate-degree-progress/test-transfer-credit/external-test-2"><span class="su-multi-menu__link-text-wrapper">Prior Year Test Credit Charts</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/undergraduate-degree-progress/test-transfer-credit/external-test-3"><span class="su-multi-menu__link-text-wrapper">How Do I Add Credit by Exam to My Record</span></a></li></ul></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/undergraduate-degree-progress/test-transfer-credit/undergraduate"><span class="su-multi-menu__link-text-wrapper">Transfer Credit</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv6"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/undergraduate-degree-progress/test-transfer-credit/undergraduate/how-do"><span class="su-multi-menu__link-text-wrapper">How do I request transfer credit?</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="https://tes.collegesource.com/publicview/TES_publicview01.aspx?rid=24dff6ef-a51b-4eb8-b448-a9dec85e50bd&aid=30095e1d-6335-4e13-8fc1-df6dcf048d8b" data-toggle="tooltip" title="View Stanford's full database of accepted transfer credit."><span class="su-multi-menu__link-text-wrapper">Transfer Credit Database</span></a></li></ul></li></ul></li></ul></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/coterminal-degree-programs"><span class="su-multi-menu__link-text-wrapper">Coterm Students</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv4"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/degree-requirements/coterminal-degree-programs/coterm-eligibility"><span class="su-multi-menu__link-text-wrapper">Coterm Eligibility</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/degree-requirements/coterminal-degree-programs/explore-coterm-programs"><span class="su-multi-menu__link-text-wrapper">Explore Coterm Programs</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/apply-coterm"><span class="su-multi-menu__link-text-wrapper">Coterm Application Process</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/coterminal-degree-programs/coterminal-academic-progress"><span class="su-multi-menu__link-text-wrapper">Coterm Academic Progress</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/coterminal-degree-programs/coterm-course-transfer"><span class="su-multi-menu__link-text-wrapper">Coterm Course Transfer</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/coterminal-degree-programs/coterm-degree-conferral-and-residency"><span class="su-multi-menu__link-text-wrapper">Coterm Degree Conferral and Residency Requirement</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/coterminal-degree-programs/coterm-program-changes"><span class="su-multi-menu__link-text-wrapper">Coterm Program Changes</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/coterminal-degree-programs/coterm-tuition-assessment"><span class="su-multi-menu__link-text-wrapper">Coterm Tuition Assessment</span></a></li></ul></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/graduate-degree-progress"><span class="su-multi-menu__link-text-wrapper">Graduate Students</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv4"><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/graduate-degree-progress/dissertations-and-theses"><span class="su-multi-menu__link-text-wrapper">Dissertations and Theses</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv5"><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/graduate-degree-progress/dissertations-and-theses/prepare-your-work"><span class="su-multi-menu__link-text-wrapper">Prepare Your Work for Submission</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv6"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/graduate-degree-progress/dissertations-and-theses/prepare-your-work-0"><span class="su-multi-menu__link-text-wrapper">Format Requirements for Your Dissertation or Thesis</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/graduate-degree-progress/dissertations-and-theses/prepare-your-work-1"><span class="su-multi-menu__link-text-wrapper">Title Page for Ph.D. Dissertation</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/graduate-degree-progress/dissertations-and-theses/prepare-your-work-2"><span class="su-multi-menu__link-text-wrapper">Title Page for an Engineer Thesis</span></a></li></ul></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/graduate-degree-progress/dissertations-and-theses/submit-your"><span class="su-multi-menu__link-text-wrapper">Submit Your Dissertation or Thesis</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv6"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/graduate-degree-progress/dissertations-and-theses/submit-your/checklist"><span class="su-multi-menu__link-text-wrapper">Checklist: Submitting My Dissertation or Thesis</span></a></li></ul></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/graduate-degree-progress/dissertations-and-theses/steps-after"><span class="su-multi-menu__link-text-wrapper">Steps After Submission</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/graduate-degree-progress/dissertations-and-theses/how-submit-your"><span class="su-multi-menu__link-text-wrapper">How To Submit Your Reading Committee Signature Page</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/graduate-degree-progress/dissertations-and-theses/how-request-use"><span class="su-multi-menu__link-text-wrapper">How To Request to Use Copyrighted Material</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/graduate-degree-progress/dissertations-and-theses/how-use-dissertation"><span class="su-multi-menu__link-text-wrapper">How To Use the Dissertation and Thesis Center</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/faqs-dissertation-thesis"><span class="su-multi-menu__link-text-wrapper">FAQs: Dissertation & Thesis</span></a></li></ul></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/graduate-degree-progress/graduate-minimum-progress-requirements"><span class="su-multi-menu__link-text-wrapper">Graduate Minimum Progress Requirements</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/graduate-degree-progress/making-changes-your-graduate-program" data-toggle="tooltip" title="Making Changes to Your Graduate Program"><span class="su-multi-menu__link-text-wrapper">Graduate Program Changes</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/graduate-degree-progress/graduate-residency-transfer-credit"><span class="su-multi-menu__link-text-wrapper">Graduate Residency Transfer Credit</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/graduate-degree-progress/joint-degree-programs"><span class="su-multi-menu__link-text-wrapper">Joint Degree Programs</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/graduate-degree-progress/joint-degree-programs-and-tuition-schedules"><span class="su-multi-menu__link-text-wrapper">Joint Degree Programs and Tuition Schedules</span></a></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/graduate-degree-progress/terminal-graduate-registration-tgr-status"><span class="su-multi-menu__link-text-wrapper">Terminal Graduate Registration (TGR) Status</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv5"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/graduate-degree-progress/terminal-graduate-registration-tgr-status/tgr"><span class="su-multi-menu__link-text-wrapper">TGR Final Registration Status</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/graduate-degree-progress/terminal-graduate-registration-tgr-status-0"><span class="su-multi-menu__link-text-wrapper">Summer Quarter TGR</span></a></li></ul></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/graduate-degree-progress/stanford-exchange-programs"><span class="su-multi-menu__link-text-wrapper">Stanford Exchange Programs</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv5"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/graduate-degree-progress/stanford-exchange-programs/uc"><span class="su-multi-menu__link-text-wrapper">University of California Exchange Program</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/graduate-degree-progress/stanford-exchange-programs/ivyplus"><span class="su-multi-menu__link-text-wrapper">IvyPlus Exchange Scholar Program</span></a></li></ul></li></ul></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/milestones-faqs" data-toggle="tooltip" title="Get your questions answered about non-course milestones for degree completion."><span class="su-multi-menu__link-text-wrapper">Milestones FAQs</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv4"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/milestones-faqs/university-required-non-course-milestones-degree"><span class="su-multi-menu__link-text-wrapper">University-Required Non-Course Milestones by Degree</span></a></li></ul></li></ul></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-academics/evaluations-exams-grades"><span class="su-multi-menu__link-text-wrapper">Evaluations, Exams, & Grades</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv3"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/evaluations-exams-grades/online-course-evaluations"><span class="su-multi-menu__link-text-wrapper">Online Course Evaluations</span></a></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-academics/evaluations-exams-grades/final-exam-schedule"><span class="su-multi-menu__link-text-wrapper">Final Exam Schedule</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv4"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/evaluations-exams-grades/final-exam-schedule/final-exam-schedule-2023-2024"><span class="su-multi-menu__link-text-wrapper">Final Exam Schedule 2023-2024</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/evaluations-exams-grades/final-exam-schedule/final-exam-schedule-2022-2023"><span class="su-multi-menu__link-text-wrapper">Final Exam Schedule 2022-2023</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/evaluations-exams-grades/final-exam-schedule/final-exam-schedule-2021-22"><span class="su-multi-menu__link-text-wrapper">Final Exam Schedule 2021-2022</span></a></li></ul></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-academics/evaluations-exams-grades/grades"><span class="su-multi-menu__link-text-wrapper">Grades</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv4"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/evaluations-exams-grades/grades/how-do-i-calculate-my-grade-point-average-gpa"><span class="su-multi-menu__link-text-wrapper">Calculate Your GPA</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/evaluations-exams-grades/grades/general-university-grading-system"><span class="su-multi-menu__link-text-wrapper">General University Grading System</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/evaluations-exams-grades/grades/graduate-school-business-grading-system"><span class="su-multi-menu__link-text-wrapper">Graduate School of Business Grading System</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/evaluations-exams-grades/grades/school-law-grading-system"><span class="su-multi-menu__link-text-wrapper">School of Law Grading System</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/evaluations-exams-grades/grades/school-medicine-md-and-ms-pas-grading-system"><span class="su-multi-menu__link-text-wrapper">School of Medicine Grading System</span></a></li></ul></li></ul></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-academics/graduation"><span class="su-multi-menu__link-text-wrapper">Graduation & Diplomas</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv3"><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-academics/graduation/how-do-i-apply-graduate"><span class="su-multi-menu__link-text-wrapper">Applying to Graduate</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv4"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/graduation/how-do-i-apply-graduate/updating-your-application-graduate"><span class="su-multi-menu__link-text-wrapper">Updating your Application to Graduate</span></a></li></ul></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/graduation/can-i-walk-commencement"><span class="su-multi-menu__link-text-wrapper">Commencement Participation</span></a></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/diplomas"><span class="su-multi-menu__link-text-wrapper">Diplomas</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv4"><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-academics/request-transcripts-certifications/diplomas/certified-electronic-diploma"><span class="su-multi-menu__link-text-wrapper">Certified Electronic Diploma (CeDiploma)</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv5"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="https://cecredential.stanford.edu/cecredential/"><span class="su-multi-menu__link-text-wrapper">Credential Validation</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/request-transcripts-certifications/diplomas/cediploma-faqs"><span class="su-multi-menu__link-text-wrapper">CeDiploma FAQs</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/request-transcripts-certifications/diplomas/certified-electronic-diploma/how-do-i"><span class="su-multi-menu__link-text-wrapper">Validating a CeDiploma</span></a></li></ul></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/diplomas/how-do-i-edit-my-diploma-name"><span class="su-multi-menu__link-text-wrapper">Edit Diploma Name</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/diplomas/how-do-i-request-expedited-shipping-my-diploma"><span class="su-multi-menu__link-text-wrapper">Expedited Shipping for My Diploma</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/diplomas/how-do-i-obtain-my-diploma"><span class="su-multi-menu__link-text-wrapper">Obtaining Your Diploma</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/diplomas/how-do-i-order-replacement-diploma"><span class="su-multi-menu__link-text-wrapper">Order a Replacement Diploma</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/diplomas/what-diploma-hold-and-how-do-i-get-it-released"><span class="su-multi-menu__link-text-wrapper">Releasing a Diploma Hold</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/earn-my-degree/diplomas/how-do-i-verify-my-degree-receiving-my-diploma"><span class="su-multi-menu__link-text-wrapper">Verify My Degree Without a Diploma</span></a></li></ul></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/graduation/graduation-checklist"><span class="su-multi-menu__link-text-wrapper">Graduation Checklist</span></a></li></ul></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-academics/time-away-stanford-leave-withdraw-return"><span class="su-multi-menu__link-text-wrapper">Time Away from Stanford: Leave, Withdraw, Return</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv3"><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-academics/time-away-stanford-leave-withdraw-return/leaves-absence"><span class="su-multi-menu__link-text-wrapper">Leaves of Absence</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv4"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/time-away-stanford-leave-withdraw-return/leaves-absence/military-leaves-absence"><span class="su-multi-menu__link-text-wrapper">Military Leaves of Absence</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/time-away-stanford-leave-withdraw-return/leaves-absence/pregnancy-or-parental-leaves"><span class="su-multi-menu__link-text-wrapper">Pregnancy or Parental Leaves of Absence (Graduate)</span></a></li></ul></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-academics/time-away-stanford-leave-withdraw-return/returning-stanford"><span class="su-multi-menu__link-text-wrapper">Returning to Stanford</span></a></li></ul></li></ul></li><li class="su-multi-menu__item su-multi-menu__item--parent su-multi-menu__item--active-trail"><a class="su-multi-menu__link" href="/my-finances" data-toggle="tooltip" title="Understand My Finances"><span class="su-multi-menu__link-text-wrapper">My Finances</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv2"><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-finances/tuition-fees"><span class="su-multi-menu__link-text-wrapper">Tuition & Fees</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv3"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/tuition-fees/estimate-your-undergraduate-charges"><span class="su-multi-menu__link-text-wrapper">Estimate Your Undergraduate Charges</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/tuition-fees/estimate-your-graduate-charges"><span class="su-multi-menu__link-text-wrapper">Estimate Your Graduate Charges</span></a></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/tuition-rates"><span class="su-multi-menu__link-text-wrapper">Tuition Rates</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv4"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/tuition-rates/2024-2025-undergraduate-tuition-rates"><span class="su-multi-menu__link-text-wrapper">2024-2025 Undergraduate Tuition Rates</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/tuition-rates/2024-2025-graduate-and-professional-tuition-rates"><span class="su-multi-menu__link-text-wrapper">2024-2025 Graduate and Professional Tuition Rates</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/2023-2024-undergraduate-tuition-rates"><span class="su-multi-menu__link-text-wrapper">2023-2024 Undergraduate Tuition Rates</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/tuition-rates/2023-2024-graduate-and-professional-tuition-rates"><span class="su-multi-menu__link-text-wrapper">2023-2024 Graduate and Professional Tuition Rates</span></a></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-finances/tuition-fees/tuition-rates/2022-2023-rates"><span class="su-multi-menu__link-text-wrapper">2022-2023 Rates</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv5"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/tuition-fees/tuition-rates/2022-2023-graduate-and-professional-tuition-rates"><span class="su-multi-menu__link-text-wrapper">2022-2023 Graduate and Professional Tuition Rates</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/tuition-fees/tuition-rates/2022-2023-undergraduate-tuition-rates"><span class="su-multi-menu__link-text-wrapper">2022-2023 Undergraduate Tuition Rates</span></a></li></ul></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/tuition-fees/tuition-rates/past-tuition-rates"><span class="su-multi-menu__link-text-wrapper">Past Tuition Rates</span></a></li></ul></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-finances/tuition-fees/non-tuition-charges-fees"><span class="su-multi-menu__link-text-wrapper">Non-Tuition Charges & Fees</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv4"><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-finances/tuition-fees/non-tuition-charges-fees/2024-2025-non-tuition-charges-fees"><span class="su-multi-menu__link-text-wrapper">2024-2025 Non-Tuition Charges & Fees</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv5"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/tuition-fees/non-tuition-charges-fees/2024-2025-non-tuition-charges-fees/student-health"><span class="su-multi-menu__link-text-wrapper">Student Health Insurance Billing & Waivers</span></a></li></ul></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/tuition-fees/non-tuition-charges-fees/2023-2024-non-tuition-charges-fees"><span class="su-multi-menu__link-text-wrapper">2023-2024 Non-Tuition Charges & Fees</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/tuition-fees/non-tuition-charges-fees/2022-2023-non-tuition-charges-fees"><span class="su-multi-menu__link-text-wrapper">2022-2023 Non-Tuition Charges & Fees</span></a></li></ul></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-finances/tuition-fees/stanford-card-plan-scp"><span class="su-multi-menu__link-text-wrapper">Stanford Card Plan (SCP)</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv4"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/tuition-fees/stanford-card-plan/scp-terms-and-conditions"><span class="su-multi-menu__link-text-wrapper">SCP Terms and Conditions</span></a></li></ul></li></ul></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-finances/understand-your-student-bill-and-payment-system"><span class="su-multi-menu__link-text-wrapper">Understand Your Student Bill & Payment System</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv3"><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-finances/understand-your-student-bill-and-payment-system/billing-dates"><span class="su-multi-menu__link-text-wrapper">Billing Dates & Deadlines</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv4"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/tuition-fees/understand-your-student-bill-payment-system/billing-dates-deadlines"><span class="su-multi-menu__link-text-wrapper">Late Fees & Penalties to Avoid</span></a></li></ul></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/understand-your-student-bill-payment-system/your-financial-account-details"><span class="su-multi-menu__link-text-wrapper">Your Financial Account Details</span></a></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-finances/understand-your-student-bill-and-payment-system/make-payment"><span class="su-multi-menu__link-text-wrapper">Make a Payment</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv4"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/understand-your-student-bill-and-payment-system/make-payment/how-make-payment"><span class="su-multi-menu__link-text-wrapper">How To Make a Payment</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/understand-your-student-bill-and-payment-system/make-payment/how-make-international"><span class="su-multi-menu__link-text-wrapper">How To Make International Payments from China and India</span></a></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-finances/tuition-fees/understand-your-student-bill-payment-system/make-payment/additional-methods-payment"><span class="su-multi-menu__link-text-wrapper">Additional Methods of Payment</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv5"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/tuition-fees/understand-your-student-bill-payment-system/make-payment/additional/financial-aid"><span class="su-multi-menu__link-text-wrapper">Student Financial Aid Agreement</span></a></li></ul></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-finances/understand-your-student-bill-and-payment-system/make-payment/payment-plans"><span class="su-multi-menu__link-text-wrapper">Payment Plans</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv5"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/understand-your-student-bill-and-payment-system/make-payment/payment-plans/how-sign"><span class="su-multi-menu__link-text-wrapper">How to Sign Up for Payment Plans</span></a></li></ul></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-finances/understand-your-student-bill-payment-system/make-payment/payroll-deduction-plan"><span class="su-multi-menu__link-text-wrapper">Payroll Deduction Plan</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv5"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/tuition-fees/understand-your-student-bill-payment-system/make-payment/payroll-deduction-plan/enroll"><span class="su-multi-menu__link-text-wrapper">How to Enroll in Payroll Deduction</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/understand-your-student-bill-payment-system/make-payment/payroll-deduction-FAQs"><span class="su-multi-menu__link-text-wrapper">Payroll Deduction FAQs</span></a></li></ul></li></ul></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-finances/understand-your-student-bill-payment-system/financial-responsibility-agreement"><span class="su-multi-menu__link-text-wrapper">Financial Responsibility Agreement</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv4"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/understand-your-student-bill-payment-system/financial-responsibility-agreement-0"><span class="su-multi-menu__link-text-wrapper">University Communication with Students</span></a></li></ul></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-finances/understand-your-student-bill-and-payment-system/manage-authorized-users-your-account"><span class="su-multi-menu__link-text-wrapper">Add an Authorized User</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv4"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/understand-your-student-bill-and-payment-system/manage-authorized-users-your-account/my"><span class="su-multi-menu__link-text-wrapper">My Authorized User Account</span></a></li></ul></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/understand-your-student-bill-and-payment-system/student"><span class="su-multi-menu__link-text-wrapper">Student Payment System FAQs</span></a></li></ul></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-finances/manage-your-funding"><span class="su-multi-menu__link-text-wrapper">Manage Your Funding</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv3"><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-finances/manage-your-funding/funding-scholarships"><span class="su-multi-menu__link-text-wrapper">Funding & Scholarships</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv4"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/manage-your-funding/funding-and-scholarships/faqs-grad-students-funding"><span class="su-multi-menu__link-text-wrapper">FAQs for Grad Students with Funding</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/manage-your-funding/funding-and-scholarships/stipends-cash-advances"><span class="su-multi-menu__link-text-wrapper">Stipends & Cash Advances</span></a></li></ul></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-finances/other-funding-sources/third-party-contract-invoicing"><span class="su-multi-menu__link-text-wrapper">Third-Party Contracts (TPC)</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv4"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/other-funding-sources/third-party-contract-invoicing/enrolling-third-party"><span class="su-multi-menu__link-text-wrapper">Enrolling in Third Party Contracts</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/other-funding-sources/third-party-contract-invoicing/invoicing-and-payments"><span class="su-multi-menu__link-text-wrapper">Invoicing and Payments</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/other-funding-sources/third-party-contract-invoicing/other-payment-options"><span class="su-multi-menu__link-text-wrapper">Other Payment Options</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/other-funding-sources/third-party-contract-invoicing/upcoming-events-office-hours"><span class="su-multi-menu__link-text-wrapper">Upcoming Events</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/other-funding-sources/third-party-contract-invoicing/retrieval-instructions"><span class="su-multi-menu__link-text-wrapper">Invoice Retrieval Instructions</span></a></li></ul></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/other-funding-sources/tuition-grants-remission"><span class="su-multi-menu__link-text-wrapper">Tuition Grants & Remission</span></a></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-finances/manage-your-funding/va-education-benefits"><span class="su-multi-menu__link-text-wrapper">VA Education Benefits</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv4"><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-finances/other-funding-sources/va-education-benefits/benefits-chapter"><span class="su-multi-menu__link-text-wrapper">Benefits by Chapter</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv5"><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-finances/other-funding-sources/va-education-benefits/benefits-chapter/chapter-33"><span class="su-multi-menu__link-text-wrapper">Chapter 33</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv6"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/other-funding-sources/va-education-benefits/benefits-chapter/chapter-33/base"><span class="su-multi-menu__link-text-wrapper">Base Benefit & Yellow Ribbon</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/other-funding-sources/va-education-benefits/benefits-chapter/chapter-33/returning"><span class="su-multi-menu__link-text-wrapper">Returning Students</span></a></li></ul></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/manage-your-funding/va-education-benefits/benefits-chapter/chapter-31"><span class="su-multi-menu__link-text-wrapper">Chapter 31</span></a></li></ul></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/other-funding-sources/va-education-benefits/resources"><span class="su-multi-menu__link-text-wrapper">Resources</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/funding-sponsors/va-education-benefits/glossary"><span class="su-multi-menu__link-text-wrapper">Glossary for VA education benefits</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/manage-your-funding/va-education-benefits/policies-and-procedures"><span class="su-multi-menu__link-text-wrapper">Policies and Procedures</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/manage-your-funding/va-education-benefits/frequently-asked-questions"><span class="su-multi-menu__link-text-wrapper">Frequently Asked Questions</span></a></li></ul></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/other-funding-sources/loans-and-loan-repayment"><span class="su-multi-menu__link-text-wrapper">Loans & Loan Repayment</span></a></li></ul></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-finances/refunds-and-direct-deposits"><span class="su-multi-menu__link-text-wrapper">Refunds and Direct Deposits</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv3"><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-finances/refunds-and-direct-deposits/tuition-refund-schedule-0"><span class="su-multi-menu__link-text-wrapper">Tuition Refund Schedule</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv4"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/refunds-and-direct-deposits/tuition-refund-schedule"><span class="su-multi-menu__link-text-wrapper">2023-2024</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/refunds-and-direct-deposits/tuition-refund-schedule-0/2022-23-tuition-refund-schedule"><span class="su-multi-menu__link-text-wrapper">2022-2023</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/refunds-and-direct-deposits/tuition-refund-schedule/2021-2022"><span class="su-multi-menu__link-text-wrapper">2021-2022</span></a></li></ul></li></ul></li><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-finances/tax-resources"><span class="su-multi-menu__link-text-wrapper">Tax Resources</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv3"><li class="su-multi-menu__item su-multi-menu__item--parent"><a class="su-multi-menu__link" href="/my-finances/1098-t-tax-overview-and-faqs"><span class="su-multi-menu__link-text-wrapper">1098-T Tax Overview & FAQs</span></a><ul class="su-multi-menu__menu su-multi-menu__menu-lv4"><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/1098-t-tax-overview-faqs/1098-t-eligibility-and-access"><span class="su-multi-menu__link-text-wrapper">1098-T Eligibility and Access</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/1098-t-tax-overview-faqs/how-interpret-1098-t"><span class="su-multi-menu__link-text-wrapper">How to Interpret the 1098-T</span></a></li></ul></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/my-finances/1098-t-tax-overview-faqs/other-tax-forms-and-taxable-income"><span class="su-multi-menu__link-text-wrapper">Other Tax Forms and Taxable Income</span></a></li><li class="su-multi-menu__item"><a class="su-multi-menu__link" href="/where-the-student-tax-forms-are"><span class="su-multi-menu__link-text-wrapper">List of Student Tax Forms</span></a></li></ul></li><li class="su-multi-menu__item su-multi-menu__item--parent su-multi-menu__item--active-trail"><a 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</a></li><li class="su-secondary-nav__item"><a class="su-secondary-nav__link" href="/my-finances/financial-wellness-mind-over-money/resources/how-do-i-create-quarterly-budget"> How Do I Create a Quarterly Budget? </a></li><li class="su-secondary-nav__item"><a class="su-secondary-nav__link" href="/my-finances/financial-wellness-mind-over-money/resources/how-do-i-create-monthly-budget"> How Do I Create a Monthly Budget? </a></li><li class="su-secondary-nav__item"><a class="su-secondary-nav__link" href="/my-finances/financial-wellness-mind-over-money/resources/how-do-i-track-my-daily-spending"> How Do I Track My Daily Spending? </a></li><li class="su-secondary-nav__item"><a class="su-secondary-nav__link" href="/my-finances/financial-wellness-mind-over-money/resources/how-do-i-manage-my-summer-money"> How Do I Manage My Summer Money? </a></li><li class="su-secondary-nav__item su-secondary-nav__item--parent"><a class="su-secondary-nav__link" href="/my-finances/taxes"> Tax Essentials & Resources </a></li><li class="su-secondary-nav__item su-secondary-nav__item--active-trail su-secondary-nav__item--current"><a class="su-secondary-nav__link" href="/my-finances/financial-wellness-mind-over-money/resources/faqs-retirement-savings-graduate-students" aria-current="true"> FAQs: Retirement Savings for Graduate Students and Postdoctoral Scholars </a></li></ul></li></ul></li></ul></nav> </div> </div> <div class="flex-lg-9-of-12 main-region"> <div class="jumpstart-ui-skipnav-main-anchor block-jumpstart-ui"> <div id="main-content" tabindex="-1" class="visually-hidden focusable">Main content start</div> </div> <div class="field-block node-stanford-page-su-page-components block-layout-builder"> <div class="node stanford-page su-page-components entity-reference-revisions label-hidden"> <div class="paragraph-item ptype-stanford-layout"> <div class="ptype-stanford-layout paragraph paragraph--type--stanford-layout paragraph--view-mode--default"> <div class="layout layout--layout-paragraphs-one-column"> <div class="layout__region layout__region--main"> <div class="ptype-stanford-wysiwyg paragraph paragraph--type--stanford-wysiwyg paragraph--view-mode--default"> <div class="su-wysiwyg-text paragraph stanford-wysiwyg text-long label-hidden"><p class="text-align-center"><a class="su-button--secondary" data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="fc5ed342-58da-445e-a0cf-0136c81b6feb" href="/my-finances/financial-wellness-mind-over-money" title="Financial Wellness">Looking for something else? Visit the Mind Over Money page.</a></p> <div class="su-secondary-nav no-js su-secondary-nav--accordion"> <ul class="su-secondary-nav__menu-lv1 su-secondary-nav__menu"> <li class="su-secondary-nav__item su-secondary-nav__item--parent"><a class="su-secondary-nav__link su-small-paragraph" href="#">Should graduate students and postdocs save for retirement now? </a> <ul class="su-secondary-nav__menu-lv2 su-secondary-nav__menu"> <li class="su-secondary-nav__item"> <div>As financial circumstances and priorities differ for each student and postdoc, it is difficult to answer this question other than in a general manner. While we all face the daily expenses of life and ponder other financial goals like paying off debt, purchasing a home and financing future family needs, the earlier you begin to save for retirement, the more time your funds have to accumulate.</div> </li> </ul> </li> <li class="su-secondary-nav__item su-secondary-nav__item--parent"><a class="su-secondary-nav__link su-small-paragraph" href="#">How can graduate students and postdocs save for retirement?</a> <ul class="su-secondary-nav__menu-lv2 su-secondary-nav__menu"> <li class="su-secondary-nav__item"> <div>Most savers begin by making regular deposits into accounts earmarked for retirement. Peruse <a href="https://studentservices.stanford.edu/understand-my-tuition-and-pay-my-bill/financial-wellness-mind-over-money/courses-learning-modules">Mind Over Money Learning Modules</a> to help navigate your early steps of saving, including budgeting and financial planning.</div> </li> </ul> </li> <li class="su-secondary-nav__item su-secondary-nav__item--parent"><a class="su-secondary-nav__link su-small-paragraph" href="#">Can graduate students and postdocs open "tax-advantaged" retirement savings accounts?</a> <ul class="su-secondary-nav__menu-lv2 su-secondary-nav__menu"> <li class="su-secondary-nav__item"> <div>If you receive (or, if you file a joint tax return your spouse receives) taxable compensation during a year, you may be eligible to make contributions to an Individual Retirement Account (IRA), which has certain tax advantages. Graduate students and postdocs should review Internal Revenue Services (IRS) Publication 590-A at <a href="http://www.irs.gov">www.irs.gov</a> for more information about eligibility to contribute to an IRA.</div> </li> </ul> </li> <li class="su-secondary-nav__item su-secondary-nav__item--parent"><a class="su-secondary-nav__link su-small-paragraph" href="#">What is “compensation” for purposes of contributions to an IRA?</a> <ul class="su-secondary-nav__menu-lv2 su-secondary-nav__menu"> <li class="su-secondary-nav__item"> <div>Compensation generally includes wages, salaries, and other amounts that you receive for providing personal services. Compensation also includes income paid to you to aid you in the pursuit of graduate or postdoctoral study, such as taxable fellowship and stipend payments. See IRS Publication 590-A at <a href="http://www.irs.gov">www.irs.gov</a> for more information.</div> </li> </ul> </li> <li class="su-secondary-nav__item su-secondary-nav__item--parent"><a class="su-secondary-nav__link su-small-paragraph" href="#">Are postdocs and graduate students who are not U.S. citizens or permanent residents eligible to open an IRA?</a> <ul class="su-secondary-nav__menu-lv2 su-secondary-nav__menu"> <li class="su-secondary-nav__item"> <div>Non-U.S. citizens who have U.S earned income may open an IRA. Postdocs and graduate students who are not U.S citizens or permanent residents should consult with a tax advisor to understand the U.S. and foreign tax implications of an IRA (with respect to both contributions and distributions).</div> </li> </ul> </li> <li class="su-secondary-nav__item su-secondary-nav__item--parent"><a class="su-secondary-nav__link su-small-paragraph" href="#">Are contributions to IRAs made on a before or after tax basis?</a> <ul class="su-secondary-nav__menu-lv2 su-secondary-nav__menu"> <li class="su-secondary-nav__item"> <div>Contributions to so-called “Traditional IRA” accounts may be eligible for “before tax” treatment, so that the amount of the contribution is deductible (i.e., not included in your taxable income). Eligibility for before tax treatment will depend upon whether the student or their spouse is covered by an employer-provided retirement plan and the taxable income of the student and their spouse for the year. If you are not eligible to make contributions to a Traditional IRA on a before tax basis, you may make contributions on an after tax basis. Contributions to so-called “Roth IRA” accounts are made “after tax”, meaning that the amount of contribution is NOT excludable from your current taxable income. Eligibility for Roth IRA contributions is determined by your taxable income (and your spouse’s) for the year. Qualifying distributions from a Roth IRA account (including investment gains) are not taxed. In contrast, distributions from a Traditional IRA (except the amount of any after tax contributions made to a Traditional IRA account) are taxable. Please refer to IRS Publications 590-A and 590-B at <a href="http://www.irs.gov">www.irs.gov</a> for further important details regarding IRA contributions and distributions.</div> </li> </ul> </li> <li class="su-secondary-nav__item su-secondary-nav__item--parent"><a class="su-secondary-nav__link su-small-paragraph" href="#">What are the IRA contribution limits?</a> <ul class="su-secondary-nav__menu-lv2 su-secondary-nav__menu"> <li class="su-secondary-nav__item"> <div>The IRS sets the limits for IRA contributions on an annual basis. Visit <a href="http://www.irs.gov">www.irs.gov</a> to confirm current contribution limits.</div> </li> </ul> </li> <li class="su-secondary-nav__item su-secondary-nav__item--parent"><a class="su-secondary-nav__link su-small-paragraph" href="#">Are there university-sponsored retirement accounts that are available for graduate students and postdocs?</a> <ul class="su-secondary-nav__menu-lv2 su-secondary-nav__menu"> <li class="su-secondary-nav__item"> <div>If you are a salaried postdoc, you are eligible to make employee contributions to the Tax Deferred Account (TDA) portion of the Stanford Contributory Retirement Plan (SCRP). Students whose primary affiliation with the university is as a regularly enrolled student, such as graduate students, are not eligible for the SCRP. If you are eligible, you can choose to make before-tax contributions and/or after-tax Roth contributions to your TDA under the SCRP. You are able to contribute to the TDA only from income that you receive from the university as salary, NOT as stipend. You may contribute any amount up to an annual limit of $19,500 ($26,000 if you are age 50 or older) for the calendar year 2021. No matching contributions are made with respect to employee TDA contributions. Please see the SCRP’s Summary Plan Description for more information about the TDA.</div> </li> </ul> </li> </ul> </div></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div></section> </div> <button id="back-to-top"> <span class="fas fa-chevron-up"></span> Back to Top </button> </main> <footer id="footer"> <div id="block-config-pages" class="config-pages-block block-config-pages"> <div class="ds-entity--config-pages ds-entity--stanford-local-footer"> <div data-contextual-id="config_pages:config_pages=1:changed=1726768776&ds_bundle=stanford_local_footer&ds_view_mode=default&langcode=en" data-contextual-token="h0Bznopt1iD6pa4h3-TQFbX_-mZi6t2xsLoKP47z_W4" data-drupal-ajax-container=""></div><div class="su-local-footer "> <div class="su-local-footer__header"> <div class="su-lockup su-lockup--option-a"> <div class="su-lockup__cell1"> <div class="su-lockup__wordmark-wrapper"> <span class="su-lockup__wordmark">Stanford</span> </div> </div> <div class="su-lockup__cell2"> 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