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Indiana scholarships and merit aid

Two prices: the posted one, and yours.

Posted price$30,574per year · 2026-2027 · ResidentNon-resident $62,956
Yours?depends on the rules below

The short answer

Indiana awards automatic merit on admission. Indiana does not publish a GPA or test chart, so you cannot self-calculate the dollars.

Where does your student land?

Verified Jul 2026
7 school sources to explore

Published rules, with the school sources close at hand. Confirm the details before you count on an award.

The award collection

Published scholarships

These amounts and requirements come from the school’s own published pages. Open an award to see who qualifies and how to keep it.

Where does your student land?

  1. Indiana Excellence Scholarship (in-state)Award amounts vary, four-year scholarshipAutomaticRenewable
    Published awardAcademic thresholds

    Indiana Excellence Scholarship (in-state)

    Award amounts vary, four-year scholarship

    Variable or qualified amountAll published eligibility conditions still apply. Confirm the policy year with the school.

    Start with the award’s published eligibility.

    RenewableCheck the conditions
    Open award details for Indiana Excellence Scholarship (in-state)

    Who qualifies

    Indiana residents. Submit a complete application for admission to IU Bloomington by November 1. No separate scholarship application required. Test scores are NOT considered; awarding is based on high school GPA, rigor, and grades in required coursework.

    How to keep it

    Four-year scholarship for incoming first-year students; renewal contingent on continued enrollment and academic standing.

    Worth knowing

    The in-state arm of the OEM Excellence Scholarship family. Test-blind; updated SAT/ACT scores submitted by January 15 do not affect this award (those are for other consideration). Applicants to the Jacobs School of Music are explicitly NOT eligible.

  2. National Excellence Scholarship (out-of-state)Award amounts vary, four-year scholarshipAutomaticRenewable
    Published awardAcademic thresholds

    National Excellence Scholarship (out-of-state)

    Award amounts vary, four-year scholarship

    Variable or qualified amountAll published eligibility conditions still apply. Confirm the policy year with the school.

    Start with the award’s published eligibility.

    RenewableCheck the conditions
    Open award details for National Excellence Scholarship (out-of-state)

    Who qualifies

    Out-of-state U.S. students. Apply by November 1. Test-blind awarding based on GPA and rigor only. No separate scholarship application.

    How to keep it

    Four-year scholarship for incoming first-year students; renewal contingent on continued enrollment and academic standing.

    Worth knowing

    The OOS arm of the OEM Excellence ladder. Like the in-state version, awards 'vary'; IU does not publish a public GPA-to-dollar grid, so the practical guidance is to apply by November 1 and budget for sticker price minus any award disclosed in the offer.

  3. Global Excellence Scholarship (international)Award amounts vary, four-year scholarshipAutomaticRenewable
    Published awardAcademic thresholds

    Global Excellence Scholarship (international)

    Award amounts vary, four-year scholarship

    Variable or qualified amountAll published eligibility conditions still apply. Confirm the policy year with the school.

    Start with the award’s published eligibility.

    RenewableCheck the conditions
    Open award details for Global Excellence Scholarship (international)

    Who qualifies

    International students. Application deadline is February 1 (later than domestic). Test-blind awarding. No separate scholarship application.

    How to keep it

    Four-year award; renewal terms in offer letter.

    Worth knowing

    The international arm of the OEM Excellence ladder, with a later deadline (Feb 1 vs. Nov 1 for domestic).

  4. Wells Scholars ProgramFull tuition, mandatory and course-related fees, and a living stipend for four years; plus study abroad funding, summer grants, and Hutton Honors College membershipNot automaticRenewable
    Published awardOther selection criteria

    Wells Scholars Program

    Full tuition, mandatory and course-related fees, and a living stipend for four years; plus study abroad funding, summer grants, and Hutton Honors College membership

    Published coverage or packageNot recorded as automatic on grades and scores. Read the selection rules. Confirm the policy year with the school.

    Start with the award’s published eligibility.

    RenewableCheck the conditions
    Open award details for Wells Scholars Program

    Who qualifies

    Highly competitive. Separate nomination process with EARLIER priority dates than November 1. Around 18 incoming freshmen selected per year, plus 1-2 current IUB students elevated to junior/senior cohort. Selection is solely on merit.

    How to keep it

    Four-year award; renewal contingent on Wells Scholar program standards.

    Worth knowing

    IU's flagship full-ride. Named for IU's beloved 11th president Herman B Wells. The earlier priority date catches families off-guard; confirm the current Wells deadline well before the November 1 OEM deadline.

  5. National Merit Finalist Scholarship (IU)$2,000 per year for 4 yearsNot automaticRenewable
    Published awardOther selection criteria

    National Merit Finalist Scholarship (IU)

    $2,000 per year for 4 years

    Published award termsNot recorded as automatic on grades and scores. Read the selection rules. Confirm the policy year with the school.

    Start with the award’s published eligibility.

    RenewableCheck the conditions
    Open award details for National Merit Finalist Scholarship (IU)

    Who qualifies

    Must become a National Merit Finalist AND list IU Bloomington as first-choice through the National Merit Scholarship Program. IU is one of ~3,600 sponsor institutions per year that fund Merit Scholarship awards for Finalists who name them first-choice.

    How to keep it

    Four-year award; renewal subject to maintaining National Merit Scholar status.

    Worth knowing

    Layers on top of OEM Excellence rather than replacing it. The combined value (OEM Excellence + $8,000 over 4 years from NMF) is meaningful for OOS NMFs choosing between Big Ten options.

  6. Hutton Honors College Scholarship$1,000 – $4,000 per year, conditionally renewableNot automaticRenewable
    Published awardOther selection criteria

    Hutton Honors College Scholarship

    $1,000 – $4,000 per year, conditionally renewable

    Published rangeNot recorded as automatic on grades and scores. Read the selection rules. Confirm the policy year with the school.

    Start with the award’s published eligibility.

    RenewableCheck the conditions
    Open award details for Hutton Honors College Scholarship

    Who qualifies

    Apply to IU Bloomington by November 1 AND be admitted to the Hutton Honors College. Automatic merit-based consideration; need-based HHC scholarships available through the IU Scholarships Application (deadline February 15, FAFSA by February 1 for max consideration).

    How to keep it

    Renewable for 3 years beyond freshman year IF student remains enrolled, takes 12+ credits/semester, and stays in good standing as an HHC member. Some HHC scholarships also require annual FAFSA confirmation of financial need for renewal.

    Worth knowing

    Reviewed by HHC based on high school program quality, courses taken, and extracurricular/leadership record. Awards range $1,000-$4,000/year, modest in absolute terms but stackable on top of OEM Excellence.

Lights up against Indiana's published cutoffs. Not an award offer; confirm with the financial aid office. Award terms and residency rules change; some awards differ for in-state and out-of-state students. Always confirm at the school’s source page.

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The fine print

Cutoff cliffOne ACT point can move the award by +$3,000/yr ($4,000 − $1,000)

Indiana publishes a tier ladder where crossing Hutton Honors: bottom → top of range changes the marginal value by +$3,000/yr ($4,000 − $1,000). A quadrupling across the Hutton range ($1k → $4k), determined by HHC review of program rigor and leadership — not a stat threshold.

What makes Indiana different

Big Ten flagship with one of the few test-optional automatic merit ladders in the country. The OEM Excellence Scholarships (Indiana Excellence for residents, National Excellence for out-of-state, Global Excellence for international) are awarded automatically off the November 1 admission application using GPA and rigor only — test scores are explicitly not considered.

Read our full reasoning

Worth optimizing for if your student is a National Merit Finalist or Honors-caliber applicant who can stack awards. Just don't expect a published GPA-to-dollar grid to plan around.

IU Bloomington runs a test-blind OEM Excellence ladder (in-state, out-of-state, international) whose awards officially "vary" — IU publishes no GPA-to-dollar grid, so the only honest move is to apply by the November 1 deadline and budget for sticker minus whatever the offer discloses against the $62,956 OOS cost of attendance. The biggest computable layered dollar move is the National Merit Finalist award: name IU first-choice and it adds $2,000/yr ($8,000 over four years) on top of Excellence rather than replacing it. Hutton Honors adds another $1,000–$4,000/yr, a quadrupling across its own range. Wells Scholars is the flagship full-tuition-plus-stipend award, but it's competitive (~18/year) with an earlier-than-November-1 priority date that catches families off-guard. Stacking is loan-first displacement: Hutton awards reduce loans before grants — protective, not a penalty.

Merit tiers63 based on grades or scores
Research checkedJul 2026By our research team

More than one award path

Separate the two paths.

Some awards use published academic thresholds. Others have different selection criteria. A score chart does not describe every award at this school.

  1. Match the published criteria

    Use all requirements together, including residency and the entering class.

  2. Check the application dates

    Confirm the current admission and scholarship deadlines directly with the school.

  3. Know what happens next year

    Check renewal, credit requirements and how other aid affects the award.

The fine print / Three questions to carry forward

Before you count on it.

Does it apply to us? Confirm the entering year, residency and every eligibility condition.

Can we keep it? Check renewal GPA, credits and how long the award lasts.

Can we combine it? Ask how outside scholarships and other school awards change the offer.

Take Indiana's decision sheet

A printable research summary, source links and room for your questions.

See what could change an award

Straight from the aid office

What Indiana's aid office says

Per the Student Central, Indiana University Bloomington, August 2026. How we verify

Combining outside scholarships with IU aid

Can outside scholarships be used along with IU financial aid?

External scholarships can be used along with IU financial aid, but total aid cannot exceed the cost of attendance.

“External scholarships can be used along with IU financial aid. However, the total amount of financial aid a student receives cannot exceed the student's cost of attendance.”
Which award gets adjusted if aid exceeds limit

If an outside scholarship pushes the aid package over the cost of attendance, which award is reduced first?

If an outside scholarship causes total aid to exceed the cost of attendance or another limit, adjustments may be needed, but which specific award is adjusted cannot be guaranteed in advance since it depends on the student's complete aid package at that time.

“If an outside scholarship causes the total aid package to exceed the cost of attendance or another applicable aid limit, adjustments may be necessary. We cannot guarantee in advance which specific award would be adjusted because that depends on the student's complete financial aid package at that time.”
Combining IU merit, departmental, and honors scholarships

Can a merit scholarship stack with departmental or honors college money?

IU scholarships from different sources (merit, schools, departments, or programs) may be combined if the student meets each award's eligibility requirements, subject to financial aid and cost-of-attendance limits.

“These awards may be combined when the student meets the individual eligibility requirements, subject to applicable financial aid and cost-of-attendance limits.”
Deadline for updated test scores

Can updated fall SAT/ACT scores still be considered for scholarships?

If the student chooses to have test scores considered and meets the November 1 deadline, updated SAT or ACT scores can be submitted through January 15 for additional scholarship consideration.

“If he chooses to have test scores considered and meets the November 1 deadline, updated SAT or ACT scores may be submitted through January 15 for additional scholarship consideration.”
Superscoring policy

Does IU superscore the SAT automatically?

IU does superscore, using the highest Evidence-Based Reading and Writing and Math scores from different test dates.

“IU does superscore. For the SAT, we use the highest Evidence-Based Reading and Writing and Math scores from different test dates to create a superscore.”

What families often miss

  1. IU's published rule: 'To be considered for IU academic scholarships, you must submit a complete application for admission including official transcript, essay, and test scores (if applicable) by the early action (non-binding) deadline of November 1.' After November 1, scholarship opportunities are 'limited.' Submitting on December 1 means OEM Excellence is functionally unavailable for that applicant, the largest single mistake families make at IU.

  2. It does not. Per the OEM Excellence Scholarship page: 'Please note that applicants to the Jacobs School of Music are not eligible for these scholarship opportunities.' Jacobs has its own separate scholarship structure. Music applicants who budget on OEM Excellence will significantly overstate their aid; this is one of the cleanest 'fake-positive' miscounts at IU.

  3. The Cox Scholarship family (Civic, Research, Access, Engagement, Exploratory, Legacy) requires the IU admissions application by November 1, the same deadline as OEM Excellence. The February 15 IU Scholarships Application is for additional consideration but does not retroactively make a late admissions applicant eligible for Cox. For an in-state family with financial need, missing Cox could mean leaving full-COA dollars on the table.

  4. IU's $2,000/year for 4 years NMF award requires designating IU Bloomington as first-choice through the National Merit Scholarship Program. NMFs who are admitted to IU but do NOT change their NMSC first-choice listing are not eligible. This is a $8,000 award over 4 years that is forfeited by a single missing form on the NMSC side.

  5. They often do not. Per HHC disclosure: HHC scholarships and grants 'may not be paid-out in the form of cash funds... but instead, may be used by IU's Office of Student Financial Assistance (OSFA) to reduce your student/parent loan burden or reduce your federal/state grant by the amount awarded.' For families counting on HHC dollars to cover housing/food/personal expenses, the reality is that HHC dollars often replace existing loan or grant aid rather than adding to the package. Confirm with OSFA before budgeting HHC awards as new dollars.

See award cutoffs and special programs

What IU Bloomington pays, by profile

IU's Excellence ladder is test-blind and publishes no dollar grid, so only the named layered awards below carry firm figures. Awards stack on top of Excellence, not in place of it.

Student profileLikely outcome
Any · admitted to Hutton Honors CollegeHutton Honors Scholarship — $1,000–$4,000/yrModest but stackable on top of OEM Excellence. Conditional renewal: 12+ credits, good HHC standing; some require annual FAFSA.
National Merit Finalist · IU named first-choiceNMF Scholarship — $2,000/yrLayers on top of Excellence ($8,000 over 4 years). Must list IU first-choice through the National Merit program.
Top-stat · competitive nomination (~18/yr)Wells Scholars — full tuition, fees + living stipendIU's flagship. Covers tuition+fees+stipend plus study abroad/summer grants; earlier-than-Nov-1 priority date — confirm it early. Not automatic.

Where the dollars actually move at IU

The Excellence tiers "vary" with no published grid, so no test-score or GPA cliff can be computed for them. Only the named stackable awards below yield firm deltas.

ThresholdMarginal value
Hutton Honors: bottom → top of range+$3,000/yr ($4,000 − $1,000)A quadrupling across the Hutton range ($1k → $4k), determined by HHC review of program rigor and leadership — not a stat threshold.
Become a National Merit Finalist + name IU first-choice+$2,000/yr (NMF, $8,000 over 4 years)Stacks on top of Excellence rather than replacing it — the clearest layered dollar gain for high-PSAT students choosing among Big Ten options.
See costs and school data

Who this school may work for

Strong students with high GPAs and rigorous coursework, especially those whose test scores don't reflect their academic record (IU's flagship merit awards are explicitly test-blind). Indiana residents with demonstrated financial need are the prime targets for the Cox Scholarship family (up to full COA in exchange for a 10-12 hour/week service or research commitment). National Merit Finalists naming IU first-choice and Wells Scholar nominees round out the high-end of the aid story.

Cost of attendance$30,574–$62,956 for 2026-2027Each bar is the full published cost for that scenario, sized against the highest figure so totals compare at a glance.
Out-of-state, on-campus$62,956
In-state, on-campus$30,574
  • Tuition & fees
  • Housing & food
  • Books
  • Travel
  • Personal

IU Bloomington official estimated COA, on-campus. Both scenarios match input (non-resident total = input total exactly). Tuition & mandatory fees combined.

Indiana cost-of-attendance source

Cost and graduation facts

Federal reporting on who actually enrolls at Indiana, what they paid after aid, and what happened next — independent of anything the school markets.

Average annual net price by family income at Indiana, academic year 2021-22 — in-state, Title-IV aid recipients only
Family incomeAverage net price paid
$0–$30,000$6,324
$30,001–$48,000$7,610
$48,001–$75,000$12,154
$75,001–$110,000$20,204
$110,001+$25,128
All income levels (average)$16,264

Sticker price vs. what students actually pay

Published tuition & fees (in-state), AY 2022-23
$12,144
Published tuition & fees (out-of-state), AY 2022-23
$41,891
Average net price paid (all Title-IV aid), AY 2021-22
$16,264

That works out to roughly a 44% discount below the federal AY 2021-22 average cost of attendance of $28,801 (College Scorecard — a separate, federally reported figure, not the published cost of attendance shown above).

Indiana is a public school; Scorecard's net price figure covers in-state, Title-IV-aid-recipient payers only — there is no comparable federal figure for out-of-state students.

Outcomes for students who enrolled here

Graduation rate (150% of normal time), 2016 cohort
80%
First-year retention rate, 2021 cohort
91%
Median debt at completion, 2020–2021 completers
$19,509 (~$207/mo on a 10-yr plan)
Median earnings, 10 years after entry (measured 2020-21)
$63,742
Share of students receiving a Pell grant, AY 2021-22
18%
Share of students receiving a federal loan, AY 2021-22
31%
See other scholarships and cost examples

If your student brings another scholarship

Hutton Honors College discloses explicit displacement: HHC awards may not pay out as cash to the bursar account but instead reduce student/parent loan burden or federal/state grants. The broader IU policy on outside scholarship displacement is administered through OSFA on a case-by-case basis. The practical implication: HHC and Cox awards are useful but not always net new dollars when stacked on top of FAFSA-driven aid.

Per the Hutton Honors College disclosure: 'If you filed the FAFSA and are receiving financial aid (for example: Direct Loans, Pell Promise grants, 21st Century Scholars Covenant), and you receive one of the Hutton Honors College's grants or scholarships, your award from the Hutton Honors College may not be paid-out in the form of cash funds (i.e., as money paid into your Bursar account), but instead, may be used by IU's Office of Student Financial Assistance (OSFA) to reduce your student/parent loan burden or reduce your federal/state grant by the amount awarded to you by the HHC.' This is a loan-first displacement model: the HHC scholarship reduces loan burden first, but can also reduce federal/state grants depending on the package. Outside scholarships are reviewed by OSFA in the context of the student's full aid package and may displace various aid types depending on the student's situation.

Source

More school data

From the Indiana Common Data Set 2024-2025:

Source: Common Data Set

Other Indiana scholarships worth checking

These awards can be harder to find. Each one has its own rules.

AmountUp to full Cost of Attendance, with a 10-12 hour/week work or research commitmentEligibilityIndiana residents who are incoming first-year students with GPA 3.0+, full-time enrollment, and demonstrated financial need. Apply to IU Bloomington by November 1 (June 1 for transfer Cox Legacy applicants). Cox Access supports nontraditional Indiana residents returning to complete a degree.

The Cox Scholarship family is one of the most generous in-state aid pools at any public flagship: up to full COA covered, in exchange for a 10-12 hour/week service or research commitment (which itself is often paid). Cox Research Scholars are also invited to join the Hutton Honors College. The Cox awards are need-based and require the FAFSA. Critical for IN-resident families under $80K AGI who would otherwise be looking at sticker minus Pell.

Source

AmountVaries; awards include scholarship dollars, programming, and mentorshipEligibilitySelective program for high-achieving students from underrepresented backgrounds. Separate review through the program; complete the IU Scholarships Application by February 15.

More than a scholarship: Hudson Holland is a learning community with academic, mentoring, and leadership programming. Aid is part of the package, not the entirety.

Source

AmountVariesEligibilityDirect-admit Kelley and Luddy students are reviewed for school-specific scholarships in addition to OEM Excellence. Some require continued direct-admit standing for renewal.

Kelley direct-admit scholarship review is integrated with admission; non-direct-admit students who later move into Kelley do not retroactively receive the direct-admit scholarship pool.

Source

Indiana merit aid FAQ

  • Are OEM Excellence Scholarships really test-blind?

    Yes. IU's published policy: 'OEM Excellence Scholarships are awarded based on high performance in academic coursework, and test scores are not considered in the awarding of these merit scholarships.' Award decisions use high school GPA, grades in required courses, and rigor (AP, IB, honors course performance). Submitting test scores by January 15 may help with other scholarship consideration, but OEM Excellence itself is decided on the academic record alone. This is one of the few major automatic merit awards at any Big Ten school that is genuinely test-blind.

  • What's the difference between the November 1 deadline and the February 15 IU Scholarships Application?

    November 1 is the early action admissions deadline AND the gate for IU academic scholarship consideration, including OEM Excellence, Cox, and HHC merit. February 15 is the deadline for the IU Scholarships Application, which opens additional need-based and program-specific scholarship consideration through the One.IU portal. February 15 does NOT substitute for November 1: a student admitted in Regular Decision (after November 1) is largely ineligible for the major academic awards regardless of when they submit the IU Scholarships Application.

  • How are the Cox Scholarships different from OEM Excellence?

    OEM Excellence is merit-based and not need-based; it goes to high-GPA students regardless of family income. Cox Scholarships are need-based AND merit-based, restricted to Indiana residents, and require a 10-12 hour/week service or research commitment that doubles as paid work. A Cox award can pay up to full Cost of Attendance, which is well above any OEM Excellence amount; for IN-resident families with financial need, Cox is the higher-dollar pathway. The two can be considered together based on the November 1 application; OSFA picks the package that maximizes the student's award.

  • Will my HHC scholarship reduce other aid I receive?

    Possibly yes. Per HHC's published rule, if you have already received Direct Loans, Pell Promise grants, or 21st Century Scholars Covenant aid, the HHC scholarship may be applied by OSFA to reduce your loan burden or your federal/state grant rather than paid as cash to your bursar account. The implication: HHC scholarships are often most valuable for students whose initial package leaves a gap, and least valuable for students whose package already meets full need.

  • Do scholarships renew for all four years?

    OEM Excellence is a four-year scholarship subject to continued enrollment and academic standing. Hutton Honors College scholarships renew for 3 years beyond freshman year IF the student remains enrolled, takes 12+ credits/semester, and stays in good HHC standing. Some HHC awards also require annual FAFSA confirmation of financial need. National Merit and Wells Scholars have program-specific renewal rules. Cox Scholarship renewal terms are detailed in the offer letter.

  • Can I update my SAT/ACT scores after the November 1 deadline?

    Yes, for some scholarships, but not OEM Excellence (which is test-blind). IU's published rule: 'If you meet the November 1 deadline, you may submit updated SAT and/or ACT scores until January 15 for additional scholarship consideration. Updated scores will be evaluated and notification will be made on a rolling basis for those who qualify.' This applies to scholarships that consider test scores (some HHC and named awards may); it does not retroactively affect OEM Excellence or any other test-blind decision.

See sources and other schools

How Indiana compares

  • 145 of 749 verified schools in our dataset use loan-first displacement.

    Indiana is in a recognizable cluster (145 schools share this category). That framing matters when comparing peer schools that may publish the policy differently or not at all.

  • 665 of 749 verified schools publish at least one four-year renewable merit award.

    Indiana is one of them. The cohort minority (84 schools) only awards one-year scholarships, which means the four-year value families assume on a brochure quote isn't guaranteed at every school.

  • 63 of 749 verified schools publish a marginal-value cliff table we can quantify.

    Indiana is one of them. Most schools won't tell families what one ACT point is actually worth. At the schools that do, a strategic retake is sometimes mathematically more valuable than test-optional positioning.

Sources used on this page

Every claim is checked against Indiana’s own published materials. Below is the full reference set.

How Indiana compares

Families looking at IU Bloomington usually evaluate three Big Ten peers and Notre Dame:

  • Wisconsin's holistic, in-state-first aid. UW-Madison does not publish an automatic OOS table; its top award is the small Nonresident Scholarship ($1,000-$10,000). Indiana publishes the OEM Excellence Scholarship explicitly and awards it automatically. For OOS families with strong stats, IU's transparent path is the higher-EV option.
  • Michigan's need-aware aid. UMich runs no automatic merit and concentrates aid on need-based programs (Go Blue Guarantee for in-state under $125K, holistic OFA scholarships for OOS). Indiana is more transparent about merit dollars but smaller in absolute aid budget. The choice is selectivity (Michigan ~20% acceptance) vs. predictability (Indiana ~80% acceptance with published merit).
  • Michigan State's published OOS ladder. MSU has the cleanest published nonresident merit table in the Big Ten: President's $15,000, Provost's $12,000, Dean's $10,000, 1855 $7,000, all automatic. Indiana's National Excellence amounts vary and are not published in tier-form, so MSU is more deterministic for OOS budgeting.
  • Notre Dame's separate Indiana merit lane. Notre Dame is a different aid model entirely: meet-full-need, no merit. For Indiana residents weighing private vs. public, IU's Cox Scholarship family (up to full COA + work commitment) is the closest in-state competitor to ND's full-need aid for low- and middle-income families.
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