Drone shot of the Milligan Village

Scholarships & Aid

Milligan offers a full complement of need-based and merit-based scholarships, grants, and low-interest loans from federal, state, and institutional sources. Combined with state and federal aid, many students often pay no more than they would to attend a college with a lower advertised cost.

Milligan Aid

Automatic Consideration

Milligan offers generous merit and need-based aid. To be considered for the following automatic awards, students must be an incoming student who plans to enroll at Milligan in the current fall or spring semester. Students must complete the admission application and file a FAFSA. No separate scholarship application is required for these automatic academic scholarships. All awards can be renewed for up to four years of full-time enrollment if the student continues to meet the scholarship requirements.

Academic Merit Scholarships
  • Academic Awards range from $8,000 to $17,000 per year.
  • There are two options for admission and scholarship awarding:
    • Students who choose admission with a test score.
      • Academic Awards are based on the applicant’s ACT/SAT/CLT and high school GPA
      • Minimum ACT 20/3.5 GPA required
      • If you take the SAT, ACT, or CLT more than one time, the higher score will be taken into consideration
      • See ACT-SAT-CLT Comparison Chart Here
  • Students who choose admission without a test score.
    • Students who choose to be admitted without a test score also will be automatically awarded academic merit scholarships on the basis of their GPA, strength of curriculum, and high school and community involvement. A writing sample may also be requested. Students must have at least a 3.25 GPA or above and will be awarded on an individual basis once admitted.
    • Learn more about test optional awarding.

Milligan Grants
  • Amounts vary and are determined primarily from financial need, as determined by results of the FAFSA.
  • You don’t have to repay grants.
  • Students must complete a FAFSA to be eligible.
  • If eligible, your award amount will be included in your Financial Aid Offer from Milligan (the university starts issuing offers in November as we receive the results of your FAFSA…file ASAP!)

Competitive Aid

Jeanes Honors Scholarship
  • Two full-tuition scholarships available annually
  • Milligan’s most prestigious merit-based scholarship
  • Minimum 3.5 GPA on 4.0 scale
  • Minimum 28 ACT or 1300 SAT(1250 old SAT) or 86 CLT.
  • To be eligible for these scholarships, applicants must be admitted to the university by Dec. 1
  • Special application and interview required
  • Learn More.
Athletic Scholarships
  • Award amounts vary.
  • Athletes must be accepted for admission and selected by coach.
  • Scholarships are available in the many sports. Award amounts vary.
  • Talk to your recruiting coach or fill out a Prospective Athlete form for more information.

Activity Scholarships

Debate Team | Disc Golf | Drumline | Fly Fishing

  • Available to first-time traditional undergraduate students.
  • Award amounts vary and are based on the applicant’s ability and the discretion of the director.
  • Awards are participation awards and do not require a designated major.
  • May NOT be combined with athletic, fine arts, performing arts, Jeanes, Goah, tuition waiver, personnel grants, or other activity scholarships.
  • Complete your admission application and interest form to express interest.

Fine Arts

  • $4000 for majors, $2000 for minors, based on the applicant’s ability and the discretion of the respective faculty representative.
  • Awards require students to major or minor in one of the following (each student is eligible to apply for only one fine arts/graphic design scholarship):
    • Fine Arts-Art
    • Fine Arts-Cinema
    • Fine Arts-Photography
    • Graphic Design
  • First complete your admission application to Milligan.
  • Then complete the scholarship application and submit a portfolio.
  • May NOT be combined with athletic, performing arts, Jeanes, Goah, tuition waiver, or personnel grants or scholarships

Performing Arts

  • Award amounts vary and are based on the applicant’s ability and the discretion of the respective faculty representative.
  • Awards are participation awards and do not require a designated major.
  • First complete your admission application to Milligan.
  • Then complete the performing arts scholarship application (each student is eligible to apply for only one of the following):
    • Music ensembles – vocal, strings, piano
    • Musical Theatre
    • Theatre
  • For more information about requirements and how to audition, click here.
  • May NOT be combined with athletic, fine arts, performing arts, Jeanes, Goah, tuition waiver, or personnel grants or scholarships
Goah Scholars Program
  • This program recognizes full-time undergraduate students who enhance the educational experience of all students by sharing diverse cultural experiences through participation in the Goah Scholars Program.
  • Click here for criteria and application process.
Bible Bowl Scholarships
  • Awards range from $300 to $3,000 annually.
  • Recognizes those with strong team or individual placement at either the Milligan Bible Bowl Tournament or National Bible Bowl Tournament.
  • For more information, contact Tracy Brinn, Director of Scholarships

Program & Partnership Scholarships


Milligan University’s ROTC program is offered in partnership with the United States Army on the campus of East Tennessee State University (ETSU), located just five miles from Milligan’s campus. Army ROTC offers generous scholarships to qualified students. These scholarships pay:

  • 100% tuition and fees while on scholarship
    OR $10k per year ($5k per semester)
  • $420 per month (up to 10 months each school year) for expenses
  • $600 per semester for books

Visit milligan.edu/ROTC for more information.

Equal Chance for Education
  • Equal Chance for Education (ECE) offers up to a $25,000 scholarship for DACA/TPS students who have a 3.0 average GPA, definite financial need, and have a defined career goal.
  • Visit www.equalchanceforeducation.com for more information and to apply.
  • Email admissions@milligan.edu to let us know you’re interested.
Ministry Leadership Scholarship
  • Minimum 21 ACT/980 SAT, 68 CLT, OR 3.0 final final weighted GPA for entering freshmen
  • Be admitted to Milligan University as a first-time traditional undergraduate student
  • Enroll full-time
  • Maintain a major in Biblical and Theological Studies, Children’s Ministry, Church Leadership, Intercultural Studies, Student Ministry, or Worship Leadership
  • Agree to enthusiastically participate in required co-curricular activities of the Ministry Leadership Program
  • Maintain a cumulative GPA of 2.0 by the end of the second semester of enrollment, 2.5 by the end of the fourth semester and each semester thereafter
  • This scholarship may NOT be combined with Tuition Exchange, Personnel Grant, Jeanes Honors, Goah, Performing Arts, Athletic scholarships
Nursing: Ballad Health Scholarship
  • Ballad Health (formerly Mountain States Health Alliance) will provide up to $5,000 per year toward tuition with commitment for employment upon graduation and state licensure attainment.
  • Students must major in nursing
  • Students applying for a scholarship must agree to accept full-time employment with Ballad Health for the commitment period based on the amount of financial support received
  • Students are typically eligible for the scholarship beginning in their sophomore year when enrolled in required program courses at the clinical level (200, 300, or 400)
  • This scholarship is in addition to Milligan aid
  • Students applying may not already hold an RN degree
  • For more information about the scholarship, please contact admissions@milligan.edu

Work Study

Federal Work Study (FWS) (Need-Based)
  • Positions available from 5-10hrs per week.
  • This program provides part-time jobs on-campus for students with financial need as established by the FAFSA.
  • The maximum amount a student may earn depends on financial need and the amount of funding the university has for the program.
  • Eligibility does not guarantee employment but does give students the opportunity to apply for available FWS positions.
Milligan Work-Study Employment (Non Need-Based)
  • Positions available from 5-10hrs per week.
  • Awarded to full-time (12 credit hours) students who desire work and meet eligibility requirements.

Federal Aid

If needed, loans can be a helpful way to finance your education. Student loans are an investment in your future — an investment that becomes more valuable over time. Many students find that they must supplement their savings with loans. Federal loans are financial aid that must be repaid, with interest.

  • The average Milligan loan debt at graduation in 2017 was $3,300 below the national average of $28,500 and less than $300/month payment
  • If you need to consider loans, remember that educational debt is not the same as commodity debt, which only depreciates in value. Your education will continue to earn you more money over the course of your life, not less.

Aid that does not have to be repaid

Federal Pell Grant
  • Annual awards currently range from $692 to $6,895 (subject to change, per Department of Education)
  • Need aid based on results of information submitted on the FAFSA.
  • Eligibility for Federal Pell Grant is determined by a formula consistently applied to all applicants which takes into account the cost of attending the institution and the student’s part or full-time status.
  • For more information, visit https://studentaid.gov/understand-aid/types/grants/pell.
  • If eligible, your award amount will be included in your Financial Aid Offer from Milligan (the university starts issuing offers in December as we receive the results of your FAFSA…file ASAP!)
Federal Supplemental Educational Opportunity Grant (SEOG)
  • Grants range from $250 to $1,000 annually.
  • Available to students with exceptional financial need.
  • Priority is given to Pell Grant recipients.
  • For more info, visit https://studentaid.ed.gov/understand-aid-types/grants/fseog.
  • If eligible, your award amount will be included in your Financial Aid Offer from Milligan (the university starts issuing offers in December as we receive the results of your FAFSA…file ASAP!)
Teacher Education Assistance for College and Higher Education (TEACH) Grant Program
  • Up to $4,000 per year ($8,000 maximum for Graduate students) to students who intend to teach in a high-need field in a low-income elementary or secondary school.
  • In exchange for accepting this grant, the student must agree to serve as a full-time teacher in a high-need field (defined in the law) in a low-income public or private elementary or secondary school for at least four academic years within eight calendar years of completing degree or withdrawing from the program.
  • If the student fails to comply with these requirements, the grant is converted to a Federal Direct Unsubsidized Loan with interest accruing from the date each grant was disbursed.
  • For more info and qualifications, visit https://studentaid.ed.gov/teach-grant-program.

Aid that must be repaid

Federal Direct Stafford Loans: Subsidized (Need-Based)
  • The maximum loan is $3,500 for first-year students; $4,500 for second-year students; and $5,500 each subsequent year, up to $23,000 over a five-year period.
  • Loans that are subsidized by the U.S. Department of Education.
  • Interest is paid for you while you’re in school at least half-time and during a period of deferment (a postponement of loan payments).
  • The currently published interest rate for 2022-23 is 4.99%.
  • For new student loan borrowers: These loans require Entrance Loan Counseling for all first time borrowers and Exit Loan Counseling for all borrowers who are graduating, not returning to Milligan, or have dropped below at least a half-time enrollment status.
Federal Direct Stafford Loan: Unsubsidized (Non Need-Based)
  • The base annual amount for Subsidized/Unsubsidized Stafford Loan is $3,500 for first year undergraduate students; $4,500 for second year undergraduate students; and $5,500 for third year and above undergraduate students.
  • In addition to the annual base loan amounts, there is an additional annual Unsubsidized Stafford Loan eligibility of $2,000 for undergraduate students.
  • This companion program differs from the regular Stafford Loan in that the government does not subsidize the interest.
  • The currently published interest rate for 2022-23 is 4.99 for undergraduates (6.54% for graduates).
  • Interest accrues for the full duration of the loan, although there are no prepayment penalties.
  • Available to all students.

For new student loan borrowers: These loans require Entrance Loan Counseling for all first time borrowers and Exit Loan Counseling for all borrowers who are graduating, not returning to Milligan, or have dropped below at least a half-time enrollment status.

Parent Loan for Undergraduate Students (PLUS) and Graduate Students (Non Need-Based)
  • A Federal Direct PLUS Loan is a credit-based loan for parents of undergraduate students and for graduate students. It must be repaid.
  • Graduate students may benefit from using the PLUS loan as opposed to an alternative loan because students may not qualify for an alternative loan based on credit history, or the interest rate may be higher than the 7.54% Direct PLUS Loan interest rate.
  • The currently published interest rate for 2022-23 for Federal PLUS Parent or Graduate Loan is 7.54%.

For new student loan borrowers: The Graduate PLUS Loan requires Entrance Counseling for all first-time borrowers and Exit Loan Counseling for all borrowers who are graduating, not returning to Milligan, or who have dropped below at least half-time enrollment status. If you need assistance in determining the amount to borrow, please contact Student Financial Services.

Alternative Loans

After exhausting all other forms of financial aid, students may consider Alternative Loan programs as an additional source of funding. Alternative Loans are non-federal loans. They are credit-based loans that may be used as supplemental resources for paying for college. Students should exhaust all federal aid opportunities first. Interest rates for Alternative Loan programs are based on the student’s credit rating or the credit rating of the co-borrower. A co-borrower may be required, depending on the student’s credit history.


Apply for an Alternative Loan and complete all requested documents/processes with the lender of your choice. Milligan receives notification from your lender when the loan is approved.

An alphabetic listing of lenders that Milligan University students have utilized over the last 3 years is listed here. This list is in no way exclusive or exhaustive of all existing lenders. You have the right to select any lender you wish for an Alternative Loan. If your lender is not listed, please contact the Student Financial Services Office for further instructions regarding the loan process. The Student Financial Services Office will process your loan quickly and accurately regardless of the lender you choose.

Tennessee Aid

Lottery Scholarship


  • Currently $4,500 freshman and sophomore years; $5,700 junior and senior years.
  • This is gift aid and does not require repayment.
  • Requirements: Tennessee resident for 1 year prior to application deadline. Must be admitted to and enrolled in at least 6 hours in a Hope‐eligible postsecondary institution within 16 months of graduation from an eligible high school, homeschool, or GED program. Minimum 21 ACT/1060 SAT or 3.0 final GPA for entering freshman.
  • Possible Additional Awards:
    • The Aspire Award of $1,500 may be added to the HOPE if the parent’s or independent students (and spouse’s) adjusted gross income is $36,000 or less on tax form.
    • General Assembly Merit Scholarship (GAMS) of $1,000 may be added to HOPE if the student has a 29 ACT and a cumulative 3.75 high school GPA.
    • Students may receive ASPIRE or GAMS in addition to the HOPE Scholarship, but not both. See www.tn.gov/collegepays for full details.
  • All award amounts are subject to change through legislative action.
  • If eligible, your award amount will be included in your Financial Aid Offer from Milligan (the university starts issuing offers in December as we receive the results of your FAFSA…file ASAP!)
Ned McWherter Scholars Program
Tennessee Student Assistance Award (TSAA)
  • Awards up to $4,000 per year.  Awards are made until funds are depleted.
  • Only Pell-eligible Tennessee residents may receive this grant.
  • If you are not a Tennessee resident, you may check with the Higher Education Agency in your state to see if your state’s tuition grant can be transferred to Tennessee.
  • Complete FAFSA as soon as possible after October 1.
  • Click here to apply for TSAC aid, send an e-mail to TSAC, view financial summary information, or transfer your grant.

Veteran Aid

Milligan University is a veteran-friendly institution. The university allows for military transfer credit, flexibility on registration and withdrawals due to deployments, and payment deferments while awaiting properly applied-for educational benefits. Milligan also waives college application fees for veterans and provides individual counseling during the application and admission process.

Milligan is among the top 15 percent of colleges, universities and trade schools which are doing the most to embrace America’s veterans as students, according G.I. Jobs magazine.

The Registrar’s Office at Milligan University is pleased to help students who have served in the United States Armed Forces and now desire to attend college using their VA educational benefits. We look forward to assisting you to reach your education goals as well as those of dependents and or spouses of deceased soldiers through Dependents Educational Assistance.

GI Bill® is a registered trademark of the U.S. Department of Veterans Affairs (VA).

A common question is whether you can afford college. We offer generous merit and need-based scholarships and grants to make Milligan very affordable.

Milligan participates in all federal and state aid programs. Students must complete a FAFSA to be eligible. For Tennessee state aid, visit www.tn.gov/collegepays.

We’re here to help.

Milligan is committed to keeping college affordable for our students. We’ll work with you individually every step of the way to help investigate all the options available for financing your education.

Gus Morgan
Director of Financial Aid

Erica Stone
Student Financial Services Counselor

Milligan University is a member of NASFAA (National Association of Student Financial Aid Administrators). The Milligan University Student Financial Services Office and staff  have adopted the NASFAA Code of Ethics and NASFAA Code of Conduct to insure good business practices in all day to day activities of the Student Financial Services Office. Copies of the Code of Ethics and Code of Conduct are available for review in the Student Financial Services Office.