Text NAVYBONUS to 764764 for information.
Text HELP for help. Msg & data rates may apply.
Get Connected
Call Us

Talk to a Navy recruiter. From STEM careers to Navy life, get the answers to your burning questions.

1-800-USA-NAVY

Chat Now

Chat with a Navy expert about top STEM careers, unique scholarship opportunities, our culture of excellence, or any other burning questions you might have.

Start Chat

Hours

MON–FRI
8:00am - 10:00pm CST
SAT–SUN
10:00am - 10:00pm CST

Closed on federal holidays.

Rules

Before you start a chat, please read our chatroom rules:

  • You must be at least 17 years of age to enter the chat.
  • To use Navy live chat, you must enter a username.
  • Chats will only be conducted during specified hours of operation.
  • Profanity, abusive language and any material deemed unacceptable will not be permitted.
  • If you attempt to use profanity or abusive language, or provide material deemed unacceptable, the chat will be terminated, and you may be barred from future sessions.

Privacy Notice

This chat system is intended for general Navy recruiting inquiries only. To protect your privacy, please do not submit sensitive personal information through the chat platform, including Social Security numbers, medical information, medical records, medical documentation, financial information, or other protected/sensitive data.

If your question or situation requires discussion of sensitive personal information, a recruiter can contact you by phone.

Troubleshooting

Don't see a chat button on this page? Try using a different internet browser. There is a known issue affecting some users from accessing the chat button. We are actively working to fix this issue.

Stay Connected to America's Navy

Make sure you’re getting the latest updates and information about top STEM career opportunities, benefits, day-to-day life in the Navy and more. We will only use your information for our communications. You can also talk to a Navy recruiter.

* Required Field

You must be 13 years old or older to subscribe to Navy emails.

Phone w 0 Fill 1 Created with Sketch.
Chat w 0 Group 2 Created with Sketch.
Mail w 0 Group 3 Created with Sketch.

ELIMINATE STUDENT DEBT WITH THE NAVY

A U.S. Navy student sits in a library studying for an exam

Worried about covering college? In the Navy, we set servicemen and women up for success with a variety of programs designed to alleviate student debt before it piles up. You’ll find a clear path to your education goals, ensure financial stability and find a career that sets you up for life. 

Talk to a Recruiter

Navy Tuition Assistance Programs 

Getting your degree paid for has never been more within reach than with the Navy. When you serve as a Sailor, you can earn traditional scholarships, become an Officer and receive tuition assistance or even apply for programs to erase your student debt. There are countless options available for whatever path suits your goals best.

A student in the U.S. Navy is wearing a cap and gown during a college graduation ceremony.

Financial Aid

These Navy financial aid programs help you earn your degree while covering the expenses of college or graduate programs. Think housing stipends, money for books or bills, and even full-time paychecks that pay you to study.

Financial Aid

Baccalaureate Degree Completion Program (BDCP)

Earn a full-time active-duty paycheck while you work to earn the degree of your choosing at an accredited university. That’s money for books, bills and even housing, while you focus on your studies. You’ll commission as an Officer in an area related to your field of study upon graduation.

Find out more about BDCP now.

Nuclear Propulsion Officer Candidate Program (NUPOC)

Getting your degree in a STEM field? Earn a substantial paycheck and housing bonus while you finish your degree at an accredited university. When you graduate, you’ll become part of the world’s top nuclear propulsion training program and prepare to become a Navy Nuclear Officer.

Find out if NUPOC is right for you.

Civil Engineer Collegiate Program (CECP)

If you’re an aspiring architect or civil engineer, the Civil Engineer Collegiate Program (CECP) helps you earn a paycheck and housing bonus while you earn your degree. There’s no service obligation while you’re still in school, and once you graduate you will commission as a Navy Civil Engineer Corps Officer

Want to learn more about the Civil Engineer Collegiate Program?

JAG Corps Student Program

The Navy Judge Advocate General’s Corps Student Program is a collegiate Officer program that allows law students to receive full-time pay and benefits while studying for their law degree. After passing the bar exam, graduates will attend OCS and then commission as Officers. 

Find out how to apply for a role in the JAG Student Program.

A U.S. Navy Dentist examines a Sailor’s teeth during a routine dental procedure

Medical Tuition Assistance

Want to serve in a health care field? These Navy programs are specifically designed for students in medical fields to help cover the cost of loans, expenses and housing while in school.

Medical Tuition Assistance

The Navy Training in Medical Specialty Program (TMS)

Health care students enrolled in eligible medical or dental residency and fellowship programs can earn a generous monthly paycheck and be eligible for up to $250,000 of student loan repayment. You’ll serve in the Navy Reserve as an Officer until you finish your residency or fellowship and then serve active duty for a select period.

Find out if you qualify for TMS.

The Navy Financial Assistance Program (FAP)

Doctors and dentists who are in residency or fellowship programs can receive an annual grant of $45,000 and a monthly stipend of up to $2,300 for housing and expenses. You’ll serve as a Reserve Officer while you train and then become active duty upon graduation from medical or dental school.

Is the FAP right for you?

Navy Health Professions Scholarship Program

Plan to be a doctor, dentist, optometrist, physician assistant or clinical psychologist? You can get your tuition and school fees covered for up to four years of professional school. That could be well over $300,000 during the course of a four-year program. Once you graduate, you’ll commission as a Medical Officer.

Learn more about HPSP.

Navy Nurse Candidate Program (NCP)

If you’re an aspiring nurse earning your degree, you can get a generous monthly stipend while you study to help cover housing and expenses.

Find out if the NCP is right for you.

Health Professions Loan Repayment Program (HPLRP)

Earn up to $40,000 per year in student loan repayment if you’re a new member of the Medical Service Corps or an active-duty Nurse.

Find out more about the HPLRP.

Students in an Naval Reserve Officer Training Corps Program (NROTC) are standing in military formation during a drill.

Scholarships

Get your college degree paid for when you serve as a member of America’s Navy.

Scholarships

Naval Reserve Officer Training Corps (NROTC)

This scholarship program provides full tuition, stipends, summer training experiences and more so you can have a traditional college experience while preparing to commission as an Officer. Find out more about going to college through NROTC.

A U.S. Navy Enlisted Sailor is handling ammunition aboard a ship.

Loan Repayment

Struggling with existing student loan debt? Joining the Navy can help you repay your loans through a program designed to help servicemembers alleviate bills from school.

Loan Repayment

Loan Repayment Plan

Enlisted Sailors can pay off student debt through the Loan Repayment Program. To be eligible, your loan must not be in default and you must be serving in your first enlistment in a job that qualifies.

Connect with a recruiter to find out more information.

A U.S. Navy Sailor is filling out a form while in uniform with the sun reflecting behind him.

Federal 

Beyond the Navy’s direct assistance, servicemembers are eligible for broader federal programs designed to help manage and, in some cases forgive, existing student loan debt.

Federal

Public Service Loan Forgiveness (PSLF)

Military servicemembers are eligible to have their student loan debt forgiven after 10 years of full-time active-duty service.

Find out how to qualify for PSLF.

Servicemember Civil Relief Act (SCRA)

The SCRA allows members of the uniformed services to receive an interest rate cap of 6.00% for qualifying debts. This cap rate applies to private, Direct, and FFELP Loans that were obtained before the date you entered military service.

Find out how to qualify for SCRA.

Why Choose the Navy? 

Employment Icon

Guaranteed Employment Upon Graduation

Paycheck Icon

Consistent Paycheck & World-Class Benefits

Leadership Icon

Leadership Opportunities

Purpose Icon

Career With Purpose

Tuition Assistance Icon

College Tuition Assistance Programs

Travel Icon

Chance To Travel the World

A U.S. Navy Reserve Sailor Jesse Iwuji looks out at the ocean on a beach in San Diego, CA

Compare Navy Careers

Start building a foundation for a meaningful career by finding out what job in the Navy is right for you. With a wide range of job fields and the opportunity to go to college debt-free, you can set yourself up for success and make a real impact today by serving. 

Frequently Asked Questions

Am I eligible for Navy tuition assistance if I have existing debt?

Yes, you can be eligible for Navy education programs with existing student loan debt, provided your loans are not in default.

Can the Navy help with both undergraduate and graduate student debt? 

Yes, the Navy offers multiple programs to help avoid or repay student loan debt for both undergraduate and graduate students, primarily through scholarships, tuition assistance and the Loan Repayment Program.

What is the typical service commitment required for Navy education programs?

Service commitment varies by program, ranging from a 3-to-5 year service commitment upon completion of your degree.

What types of student loans qualify for the Navy Loan Repayment Program (e.g., federal, private)?

Only federal student loans qualify for the loan repayment program. The eligible types of student loans include Federal Direct Loans, Federal PLUS loans, Direct Consolidation Loans and Perkins Loans.

Are there specific Navy roles, ratings or Officer programs that offer enhanced education benefits?

Yes, some Navy programs offer enhanced benefits like full tuition, stipends or paid graduate school; examples include NROTC, BDCP and HPSP. Most enlisted ratings do not receive special tuition benefits, but some technical fields may offer additional bonuses, certification opportunities or loan repayment incentives depending on Navy needs.