Money Matters

Billing and Credits

In mid-July you will receive an electronic bill from Emory's Student Financial Services office. The statement will show charges for Fall semester tuition and fees, as follows:

Billing and Credits
Charges (Fall 2020)Amount
Tuition (full-time)$21,900
Activity fee$97
Athletic fee$150
LITS: Technology Fee – LGS$50
Mental Health fee$91
Enrollment fee$50

You may also see these charges:

  • A transcript fee: all new degree and certificate students are required to pay a one-time transcript fee of $70 at the time they first enroll at Emory. This is a one-time fee that pays for all future transcripts. For more information see the Registrar's website.
  • A charge for health insurance — see below.
  • Other optional charges, such as an Emory Parking Permit

Your statement may also reflect Anticipated Aid for scholarships and loans: if your admissions offer letter included a scholarship for tuition, fees, or health insurance, then this will be reflected as Anticipated Aid. Please note that the Office of Financial Aid will not begin disbursing Anticipated Aid until mid-August. Check your OPUS account to view the disbursement dates for each semester.

For Fall 2019, the registration bill payment due date will be in mid-August. Payment for any semester is due approximately ten days before the first day of classes. Check your OPUS account to view the payment due dates for each semester.

Please refer to the Student Financial Services website for more information about the billing process and payment options. OPUS "how to" guides are also available in OPUS.

There is more information on our tuition and costs page, as well as our scholarships page.

Health Insurance

All new degree-seeking and international Emory University students are required to have health insurance. Under this requirement, students must either purchase the Emory University Student Health Insurance Plan or provide documentation of enrollment in a comparable United States-domiciled plan. New students wishing to waive enrollment in the Emory Student Health Insurance Plan will need to complete the annual waiver process via OPUS prior to the first day of classes of their first semester at Emory. 

If a student has not waived out of the Emory Student Health Insurance Plan by the date of Emory’s pre-term Student Financial Services bill, the student will be billed for the Emory Student Health Insurance Plan. However, the student will still have until the first day of classes to complete a waiver and have the insurance enrollment and charge reversed. Students will need to complete the annual insurance enrollment/waiver process each year they are enrolled at Emory.

For more information, visit the Student Health Services website.


If you have been awarded a stipend, your letter of admission indicated the amount and the term of your stipend. Stipends are disbursed monthly on the last business day of the month, from September–August. New students who have completed Form I-9 by August 15, 2019 will receive an additional ½ month of stipend payment on August 30, 2019.

There is more information on our scholarships and stipends page.

Stipend Paperwork

Stipends are disbursed via Emory's payroll system. You will need to complete your stipend paperwork online via the HR Orientation website. As part of the online orientation session, you will complete electronic versions of state and federal tax forms, a Form I-9 Section 1, and a direct deposit authorization form. You may review the forms in advance, but please remember that only the online versions of the forms that are completed via the HR Orientation website will be accepted (exceptions for international students, see below).

Paper versions of these forms can be found in the sidebar at right for reference. The IRS website is an essential first stop for all students with questions about taxes. IRS Publication 970, which deals with scholarships and fellowships, will be of special interest to graduate students. Emory does not provide personal tax advice and recommends seeking professional tax counsel whenever necessary.

International Students — anyone who is in the U.S. as a "non-resident alien," usually on F1 or J1 visas — who receive stipends must consult Emory’s Nonresident Tax Office, before completing tax forms online. Contact or 404-727-7889 for instructions on how to complete tax forms.

Electronic Pay Advice

Each month, a few days before your stipend payment is deposited into your bank account, the Emory Payroll Department will notify you by email that your Pay Advice is ready to view online. The email will state: "Your Pay Advice is now ready for review on the PeopleSoft: HR website" and provide instructions on how to log in. Please note: the funds are not deposited on the day you receive the Pay Advice; they are deposited on the last business day of the month.

Emergency Loans

The Laney Graduate School administers an emergency loan fund to help students meet unexpected financial needs. Emergency loans are interest-free when repaid within 89 days of issue. New students may apply for emergency loans but note two things: you can apply only after you have enrolled for a minimum of nine credit hours, and your application will need the signature of your There is more information on our emergency loan page.

Hardship Fund

The Office of Financial Aid administers a Student Hardship Fund to provide financial support to Emory students who are experiencing a financial hardship due to a catastrophic event. Information about how to apply for an award is available through Emory’s Office of Financial Aid.

Federal and Private Loans

Information about federal and private student loans is available through Emory's Office of Financial Aid.