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Can the middle class afford Harvard?

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Can the middle class afford Harvard?
Explore options and financial aid that make Harvard accessible. See how you can afford an Ivy League education without breaking the bank.

Yes, middle-class families can afford Harvard. Harvard’s own figures state that for more than 90 percent of American families, Harvard costs less than attending a public university, because aid is based on what a family can pay rather than the sticker price.

Harvard meets 100 percent of demonstrated financial need for every admitted student, and admissions are need-blind. Aid comes as grants, so students are not expected to take out loans.

The numbers behind this: families earning under 85,000 dollars a year are not expected to contribute anything, and families earning between 85,000 and 150,000 dollars contribute between zero and 10 percent of their income. Starting in 2025-26, Harvard went further: families earning 200,000 dollars or less pay no tuition, and families earning 100,000 dollars or less pay nothing, with housing, food, and fees covered too.

The application process is the same for everyone. Submit the FAFSA and CSS Profile by the deadlines, and Harvard calculates your award from your family’s full financial picture. Families with unusually high assets may be asked to pay more.

Read whether you can get a full scholarship to Harvard for how aid works, and whether Harvard is free for international students if you are applying from abroad. General tips are in maximizing financial aid.

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