Financial Well-being encourages balancing our perspectives about money and budgets, productive ways to handle stress related to finances, and practical techniques to manage, earn, spend, and save money. As a college student, an emerging young adult or working professional, personal finances can be a stressful area to manage. However, with the right tools, resources, and education, you can learn how to manage your finances and improve your overall financial well-being.

Follow the links below for quick access to various topics on our page.


By planning and tracking your expenses and income, you can keep spending under control. A college student budget often helps you stay out of debt and plan for the future. These practices are typically worth the time and discipline they require.

How to create a BUDGET as a STUDENT!

How To Make A Budget As A Student

The Study Tube Project explains how to create and use a budget as a student. This is in no way meant to be insensitive towards anyone's financial situations that may have changed due to the current situation, it's purely education, and speaks broadly. Keep in mind that you don’t have to fill out a spreadsheet every day. You can set aside some time at least once a month or biweekly to review your money situation.

Tuition & Cost of Attendance

Scholarships and grants

To reduce out-of-pocket short-term expenses and long-term debt, consider applying for scholarships or grants which typically don’t require repayment


SUNY Oswego offers many scholarships that are both merit and need-based to help students pursue higher education.

View Scholarships


Grants are a form of financial aid from the State and Federal governments that don’t need to be repaid, and are often based on your income.

View Grants

CARES Emergency Grant

Provides funds to higher education institutions to provide emergency financial aid grants to eligible students for expenses related to the disruption of campus operations due to the pandemic.

View CARES Act


If you exhaust your out-of-pocket funds, scholarships, and grants, you can apply for student loans to help pay for living and educational expenses. Loans require repayment and accrue interest, so you should limit the amount you borrow when possible. The information you submit on your FAFSA will be used to determine your eligibility for federal subsidized and unsubsidized loans.

Subsidized loans do not accrue interest until after graduation. Both types of loans (subsidized and unsubsidized) have a 6 month grace period after graduation before requiring repayment.

How to Read Your College Bill

How To Read Your College Bill

This video created by Get Schooled will walk you through and help you try to understand your college bill to help you make sense of it.

Breakdown of SUNY Oswego Undergraduate tuition and fees

Breakdown of SUNY Oswego Graduate tuition and fees

Campus Community Support

Student Emergency Fund

The fund was established in response to the COVID-19 crisis. The fund has helped students with transportation, past due utility bills and food insecurity.

View Student Emergency Fund

American Rescue Plan

Students with documented special circumstance that negatively affects you/your family’s financial situation could be eligible for a financial aid adjustment or higher financial aid award.

View American Rescue Plan

Higher Education Emergency Relief Fund

Provides emergency grants to students experiencing financial hardship specifically due to the disruption of campus operations as a result of the COVID-19 pandemic and/or for expenses related to any component of the student's cost of attendance or for emergency costs.


Making Money At School

Federal Work Study (FWS)

A limited number of students are eligible for the Federal Work Study (FWS) award. To help pay for the costs of graduate school, grad students may apply for graduate assistantships throughout campus.

Finding a job on-campus (non-work study)

Here are some of the top departments that hire students on campus.

Auxiliary Services

This on-campus independent, not-for-profit corporation hires more than 650 student employees.

View Auxiliary Services

Residence Life and Housing

Has many employment opportunities for students as well as professional staff. All of their different positions offer opportunities to get involved in the residential community and improve skills in many ways.

View Res Life and Housing

Campus Life

Many opportunities exist for helping with a variety of campus activities, from customer service to intramural supervisors or assistants to lifeguards and much more.

View Campus Life

Campus Technology Services

With technology a key component of college life, CTS hires a range of student employees working with the Help Desk, telecommunication, computer labs, networking and instructional support.

View CTS

Penfield Library

Our student assistants work in all areas of the library, both public and non-public service areas, including Check- Out and Reserves, Interlibrary Loan, Government Documents, Special Collections, and Administration.

View Penfield Library

Need Help Finding Off-Campus Jobs?

Career Services provides students and alumni with individualized job and internship searching assistance and access to online resources or connect you with a career coach.

View Career Services

Affordable Textbook/Equipment Options:

The Library provides a wealth of educational resources through the Library website, beyond equipment and reserves -- all free to students.

Library Books, journal articles, and streaming media to support academic coursework as well as leisure reading. 

Library Resource Guide: Educational resources organized by academic subject / discipline.

Open Educational Resources: Open educational resources are freely accessible, openly licensed instructional materials such as text, media, and other digital assets that are useful for teaching, learning, and assessing, as well as for research purposes

Course reserves: Some material included in course reserves are; Some, but not all, textbooks. Full-text of electronically available assigned readings (login required). All materials your professor has made available at the Check-Out & Reserves Desk for your class.

Expert help finding educational resources: Use the "Ask a Librarian" ZOOM chat to find resources for your courses/class. 

Equipment for checkout: Provided is a link of equipment options available for checkout. Complete policies about checking out materials can be found on the appropriate Borrowing Policies page.


Centro Bus Services

SUNY Oswego partners with Centro to make campus and local transportation safe and easy. By showing a valid SUNY Oswego ID and sticker, you can access campus and city routes for free, and travel to Syracuse for a reduced rate! The Student Emergency Fund has also helped students with transportation.


View Centro Bus Transportation

Bike Share

Offered by the Office of Sustainability, bicycles are lent to students to encourage sustainable transportation on campus. Riding bicycles directly contributes to the reduction of our carbon footprint by reducing miles traveled in personal, fossil-fuel-powered vehicles. Send an email to to find out more and to receive an application for the program.

View Office of Sustainability

Bird E-Scooters

Bird E-Scooters are available through a mobile phone application and riders pay to use the scooter per minute.

Residents download the Bird app to their mobile phone, locate a scooter in the City of Oswego through GPS or designated pick up locations, and can ride scooters throughout the city.

View Bird E-Scooters

Food & Clothing


The Students Helping Oz Peers project—or SHOP for short—opened its pantry in October 2016 and provides campus members with non-perishable food items. SHOP is a collaborative effort between students, faculty, staff, and many others who recognize the need to address food insecurity among our students. 

SHOP also supplies various sexual health products to students for free.


Off-Campus Food, Clothing, & SNAP Info.

Food Bank of Central NYProvides more than 22.5 million pounds of food – the equivalent of 18.7 million meals – to hungry families, children, and elderly every year. Use the Food Bank of Central New York Food Finder.

Mobile Food Pantry: Anyone in need of food assistance is encouraged to attend and receive a free box of food. Boxes will be limited to one per household and will be distributed while supplies last. There are no income requirements for families and individuals wishing to receive food.

Human Concerns Center Food PantryOffering 3 days worth of food to each qualifying person in a household, 3 meals daily. Follow Human Concerns, Inc on Facebook.

Salvation Army: Ways they help: Shelter, counseling/pastoral care, food assistance, grocery box deliveries, serving hot meals and Financial Assistance. For more locations visit Salvation Army location search.

Catholic Charities: Provides many valuable programs and services to children, families and individuals. Check out more information on their Thrift store and Food pantry.

Find out if you’re eligible for SNAP: SNAP Information

Additional Resources

SUNY Smart Track

SUNY Smart Track®, the nation’s most aggressive and comprehensive effort to assure financial aid transparency. Smart Track is dedicated to you, with a commitment to transparency and helping you and your family to make the best decision in college financing.

View Smart Track

Oz Concern Navigator

This application is designed to help you find resources on campus based on various concerns. Please select the category associated with your concern, search for your concern, or check our alphabetical listing of concerns.

View Oz Concern Navigator

Oz Bot (

Ask Oz a question at any time! If Oz is unable to answer or assist, you will be given additional information. Oz will periodically check-in with students to see how they are doing, provide information, and sometimes refer students to a human-helper.

Dean of Students Office

501 Culkin

Oswego, NY 13126 


Phone: 315.312.5483



Summer: 8am-4pm