#1 Get informed. However, the actual cost of tuition does vary and may be dependent on the student’s actual degree program. Loans issued between October 1, 2015 and before October 1, 2016 will have a 1.068% loan fee. It is a delicate balance though, because one must also look at programs that have standing in a particular field and at institutions that can afford to fund their PhD students throughout their graduate years. The average yearly tuition for a PhD program is slightly above $16,000, which means students will invest about $80,000 in tuition fees alone for a five-year program. Much is made about the saturation of PhD graduates and not enough   positions — both in academic and the private sector. The biggest mistake that perspective students make is doing the degree for the wrong reason. A five- to six-figure education is something to take seriously as there are debt implications after leaving finishing a PhD program. That said, there is money available for graduate study in most fields, and a student in the humanities should be very careful to apply to appropriate programs which fund their grad students. Underrepresented, minority students are encouraged to apply. Overall, more than 62 percent of all doctoral recipients graduate from school without a single dollar of debt. A minimum of ten (10) fellowships, $22,000 for doctoral students and $14,000 for undergraduate students, will be awarded for the regular academic year. Required fields are marked *. By field, students in the Social Sciences, Education and Humanities graduate with the highest levels of student debt: Conversely, the science and technology fields graduate students with the lowest debt figures: Source: National Science Foundation, Survey of Earned Doctorates, 2013. Prospective students can use the table below to get a better sense of the percentage of students who take on debt at incremental levels in each field of academic study. Fellowships are a different type of funding that may encompass a scholarship or grant and can be used to fund research, study and teaching in the US and internationally. Depending on your skills, you can work with babies through to adults. You could have the option of working intensely for three months, saving, and then reverting to your studies full time for a few more months. Below is a high-level overview of the common types of graduate financial aid. Scholarships.com is a website that provides a selection of financial aid information, including a searchable scholarship directory, insights into funding trends, financial aid calculators, and information about grants and fellowships. It also does not take into account assistantships and tuition waivers for assistants. Again, this figure is highly variable based on the location of the university and the cost-of-living in that area. Writing a Successful Statement of Purpose, The Best Part-Time Jobs During Grad School, TOEFL Prep for Non-Native English Speakers, Science, Mathematics And Research for Transformation (SMART) Scholarship for Service Program, National Defense Science and Engineering Graduate Fellowship, National Science Foundation Graduate Research Fellowship Program, Minority Fellowship in Mental Health and Substance Abuse Services, American Fellowships Dissertation Fellowships, Elizabeth Munsterberg Koppitz Child Psychology Graduate Student Fellowship, DOE NNSA Stewardship Science Graduate Fellowship, National Physical Science Consortium Fellowship, Bureau of Labor Statistics, Earnings and Unemployment by Educational Attainment, Engineering and Physical Sciences Dominate, Only Half of Students Earn a PhD in the Same Academic Field as their Master’s Degree, Doctoral Degrees are an Investment in Time, Primary Source of Funding Varies by Program. 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