You’re getting your financial aid package in order, and you see a line item for “books and supplies.” For many students today, the most significant supply is a reliable laptop. It’s a legitimate question to ask: will my college actually help pay for this essential tool?
The short answer is that most colleges don’t just hand out laptops for free. However, they often provide avenues to help you manage the cost. The key lies in how they structure your cost of attendance, which is the official estimate of your total educational expenses for the year.
How the Cost of Attendance Helps You
Think of the cost of attendance (COA) as your financial aid budget. It includes tuition, fees, room, board, and allowances for things like books, supplies, and personal expenses. When a college increases its COA to account for a laptop, it’s not giving you extra cash. Instead, it’s increasing the maximum amount of financial aid you’re eligible to receive.
This is crucial because your total financial aid—including loans and grants—cannot exceed your COA. By adding a laptop to the budget, the college effectively allows you to use a portion of your existing aid, or take out a small additional loan, to cover that expense.
Finding Laptop-Specific Assistance Programs
Beyond adjusting the COA, some colleges have more direct support systems. It’s always worth checking with your school’s financial aid office or IT department about specific programs.
Some institutions run technology grant programs, often funded by alumni or specific departments, for students with demonstrated financial need. Others may offer a long-term laptop loan for the duration of your studies. You might also find that certain academic majors, especially in STEM or design fields, have dedicated funds or required technology bundles.
Taking the Next Steps
Your first stop should always be the financial aid office. Don’t be shy about asking them directly: “Does the college offer any grants or loans specifically for computer purchases?” If a program exists, they will guide you through the application process.
If direct aid isn’t available, remember that the increased COA is your tool. You may be able to accept a small increase in your federal student loan to cover the purchase. This often results in a better interest rate than using a credit card.
While a free laptop isn’t a guarantee, colleges do have systems in place to help you afford this modern necessity. By understanding the cost of attendance and asking the right questions, you can find a path to get the technology you need for your studies.
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