Editor's Note: This story originally appeared on The Penny Hoarder.
We’re living longer than ever before, and doing so in better health. So what can you do when you retire and want to keep your mind sharp or need to gain additional skills to stay competitive at work?
For many, the answer is to go back to school. But tuition can be prohibitively expensive.
At the same time, schools want their classrooms to be full of engaged students, regardless of age. In the interest of continuing education, many colleges and universities offer reduced or free college for seniors (typically, adults 60 and up, although the rules vary).
In fact, we found at least one option in every state and the District of Columbia.
Free (or Cheap) College for Seniors in Every State
While some institutions only allow senior students to audit classes, many offer the chance to earn credits toward a degree at a reduced — or completely waived — tuition rate.
Does your state have a senior citizen education program you can use? Find out below!
Alabama seniors can attend any two-year institution within the state tuition-free.
Adults 60 and older should contact the financial aid office at any community college for admission and eligibility details.
Some Alabama schools, like Coastal Alabama Community College, offer online courses if you want to avoid in-person classes.
The University of Alaska waives tuition for senior-citizen residents who receive full Social Security benefits. Seniors must wait until the first day of classes to enroll to ensure that there’s space remaining; they must also complete a tuition-waiver form.
Additional costs such as student activity, health center and lab fees are not covered; the student must pay them directly.
Online courses may be included if offered; check with the admission office for confirmation.
All 10 campuses of Maricopa Community College allow senior citizens to take classes for credit at 50% of the full tuition cost.
Students 65 and older must register between the first and second class sessions of the semester to ensure space is available. You can register for in-person, online or hybrid classes.
Arkansas waives tuition for anyone 60 and over who wants to work toward an undergraduate or graduate degree at state institutions.
Student fees may apply, and senior citizens may only register for classes with space available. If you need online courses, check with your chosen college to see what options you have,
California State University waives all tuition and dramatically reduces fees on its 23 campuses for residents age 60 or older.
Currently, some Cal State locations are only offering online courses, while others are in-person.
Students age 55 and older may attend class on a space-available basis at Colorado State University. There is no tuition fee, but visitors don’t get credit for attending class. It is up to the instructor how participation and grading of assignments and tests are handled. CSU currently offers face-to-face, hybrid and online classes.
At the University of Colorado, Denver, persons age 60 and older may enroll on a no-credit basis to attend up to two classes per semester as auditors when space is available. (Courses with a lab component are excluded, as are computer courses and online courses.)
Residents 62 and up may attend state colleges, including community colleges, for free on a space-available basis.
At Central Connecticut State University, for example, tuition is waived for any resident over the age of 62 who applies for full- or part-time admission to a degree-granting program. Online courses are included.
Senior students may also take non-credit courses on a space-available basis and have tuition waived. All students must still pay all other fees.
The University of Delaware, Delaware State University and Delaware Technical and Community College all permit state residents age 60 or older to audit or take classes for credit for free.
At the University of Delaware, students wishing to use the program must apply for admission on a space-available basis. Some graduate degrees may be eligible, as well. Residents can register for online or in-person courses.
Participants must pay all related student fees and buy their own textbooks.
9. District of Columbia
Senior citizens 65 and up may audit undergraduate courses from Georgetown University‘s School of Continuing Studies. These students pay a fee of $50 per course.
In order to audit a course at the school in the nation’s capital, there must be available space and the instructor of record must approve the enrollment.
Note: Due to the ongoing COVID-19 pandemic, this program has been suspended through the Spring 2022 semester.
The Florida college system waives application, tuition and student fees for those age 60 and above, but colleges will award no credit and will grant admission on a space-available basis. Check to see whether your chosen college covers online courses as well as in person.
Fun fact: Florida Atlantic University’s Lifelong Learning Society has the largest adult continuing education program in the U.S. It even has its own auditorium on campus to help serve FAU’s 30,000 new registrants each year.
Georgia residents age 62 and above may take classes on a space-available basis for free at campuses in the state’s public university system.
Seniors may choose to take classes for credit or continuing education, but they must apply through the regular admissions process at their school of choice. Many general education courses are offered online.
The Senior Citizen Visitor Program at the University of Hawaii and state community colleges allows senior residents age 60 and up to attend courses free of charge. Currently, only online courses are available for unvaccinated students due to the COVID-19 pandemic. Those who wish to take in-person or hybrid courses must provide proof of vaccination against COVID-19.
Schools will not award credit nor will they keep permanent records of students’ class history.
Programs in Idaho vary based on institution, but some schools offer good deals. The College of Southern Idaho offers free tuition for lower-division courses for students aged 60 years and older, in addition to other benefits. The college has online and in-person courses.
At Boise State University, Idaho residents who are at least 65 years old can audit classes on a space-available basis for free except for applicable special course fees. BSU offers online courses as well as in-person ones.
Upon admission, any senior citizen age 65 and up who meet income requirements can attend regular credit courses at Illinois public institutions for free. Lab, student and other fees still apply. Each institution will have guidance on registering for online or in-person classes.
Indiana University offers programs that allow retired residents age 60 and older to take up to nine credit hours per semester and pay just 50% of in-state tuition fees. Courses are in-person.
Private institution Simpson College in Indianola allows people 65 and older to take one noncredit class for free per semester. Courses are open on a space-available basis and do not include lab courses. Online courses may be available.
Kansas residents 60 and older can audit courses at state institutions on a space-available basis without paying tuition.
Tuition and fees are waived for students age 65 and older taking classes on a space-available basis in Kentucky’s state universities and community colleges. Residents must be admitted to a state-supported school to take advantage of this discount. Each school can also provide info on in-person versus online courses.
Students age 55 and up attending Louisiana state schools receive free tuition and 50% off books and materials at the campus student bookstore. Check with each school to see if online courses are included.
Senior citizens age 65 and up may attend undergraduate classes as degree-seeking or audit students in the University of Maine system for free, subject to space availability.
Each college within the system can provide info on the types of courses covered (i.e. online, in-person, hybrid).
Any student in the University of Maryland system who is retired and over the age of 60 may have tuition waived, even for degree-granting programs.
Online courses are available as well as face-to-face offerings.
Residents age 60 or older can take at least three credits per semester at any state-supported school in Massachusetts and receive free tuition.
Students must be fully vaccinated against COVID-19 to attend in-person classes; each location has information on what online courses are offered.
Opportunities for seniors in Michigan vary by institution.
At Michigan Tech, for example, students age 60 and older can have tuition waived for up to two courses per semester. Seniors must apply through the admissions office. Online courses are offered.
Western Michigan University invites seniors age 62 and older to register for one class per semester tuition-free, which may include online classes.
At Wayne State University in Detroit, seniors age 60 and up receive a 75% discount on tuition, but must pay registration and related fees. Wayne State offers some online courses.
Minnesota waives tuition for senior citizens age 62 and older, but fees and online options may vary by school. At the University of Minnesota, seniors pay a $10 fee per credit, but can audit for free.
There’s no statewide benefit in Mississippi, but some schools have programs for seniors.
Mississippi State University provides a waiver to residents age 60 or older for classes offered on the Starkville or Meridian campuses or by the Center for Distance Education. Seniors are limited to six semester hours per semester and a maximum of 18 credit hours per calendar year, where space is available. MSU offers online courses as well as traditional in-person ones.
The University of Mississippi‘s Office of Professional Development and Lifelong Learning allows seniors age 65 and older to take one class per semester (up to four hours) at any UM campus.
Missouri residents age 65 and older are exempt from paying tuition at state-supported institutions for classes attended on a non-credit basis. Schools may limit the number of students who receive the tuition benefit based on space availability. Online classes are offered in addition to in-person ones.
The Montana University System offers a tuition waiver for in-state residents 65 years of age or older. Campus and registration fees are not waived. Choose from online or in-person classes.
Chadron State College allows adults 65 and up to audit one course per semester for free. The college offers classes online and on campus.
The University of Nevada, Las Vegas, allows seniors age 62 and older to take autumn and spring courses free of charge. They pay 50% tuition for summer classes. Lab and other course fees are not covered. Online courses may be offered.
30. New Hampshire
The University of New Hampshire offers residents age 65 and older free tuition for two credit-bearing classes per academic year on a space-available basis, so long as they’re not enrolled in a degree program. Courses are offered online or in person.
31. New Jersey
Rutgers University allows retired New Jersey residents age 62 and older to audit courses for free in the spring and fall semesters at its Camden, New Brunswick and Newark campuses, space permitting. Current guidelines allow senior citizens to audit in-person or in classes if they have been fully vaccinated against COVID-19.
32. New Mexico
New Mexico offers reduced tuition of just $5 per credit hour to state residents 65 and older. Online courses are available.
For-credit classes are eligible as well as auditing; senior citizens can take no more than six credit hours per semester. The program is offered on a space-available basis and students are responsible for paying any additional course fees.
33. New York
Many schools offer free or reduced tuition for senior citizens. Queens College allows residents age 60 and older to audit any course on a space-available basis after completing a Senior Citizen Auditor Application and paying $80 per semester. Up-to-date COVID-19 vaccinations are required to enroll.
At SUNY Purchase, New York state residents 60 and older can enroll tuition-free in a maximum of two credit-bearing, on-campus courses in which space is available. They pay a $50 audit fee, $20 ID processing fee and any course fees. In-person, online and hybrid courses are available, and COVID-19 vaccinations are required for anyone coming on campus.
34. North Carolina
Tuition and registration fees are waived for residents age 65 or older attending North Carolina community colleges. Audit options may be available at other schools.
At the University of North Carolina, Wilmington, for example, senior citizens may audit classes for free after getting the instructor’s permission and submitting an application. Lab, studio, performance, distance education, independent study, internship and special topic courses are excluded. Online courses are available for those who prefer them.
35. North Dakota
Programs vary by institution in North Dakota. At Bismarck State, for example, senior citizens 65 and older can audit one course tuition-free per semester on a space-available basis. They’re still responsible for other course fees. Some online courses are available.
Ohio residents at least 60 years old may attend class at any state college for free. Senior-citizen students do not receive credit and can only register on a space-available basis. They are still responsible for special assessments, such as lab fees, that may apply.
Many Ohio state colleges offer online courses as well as in-person and hybrid.
Oklahoma state colleges and universities waive tuition and fees for senior citizens 65 and older who wish to audit classes on a space-available basis.
Oregon State University allows senior citizens at least 65 years old to audit classes for free.
The University of Oregon also waives fees for seniors 65 and older auditing classes on a space-available basis.
Online course options may be offered depending on availability.
There can be additional benefits at the community college level: Bucks County Community College, for example, waives for-credit course tuition for seniors age 65 and up so long as they register after students who are paying full tuition. Many courses are offered online, though some in-person and hybrid options are available.
40. Rhode Island
Senior citizens over 60 may request a tuition waiver at the Community College of Rhode Island to attend classes with space available.
Interested persons must submit a Senior Citizen Means Test to verify they are of limited income. A FAFSA is required for all degree-seeking senior students.
In order to attend in-person classes, you must provide proof that you are fully vaccinated against COVID-19. Online classes are also available.
41. South Carolina
Residents age 60 and above can attend classes at state schools on a credit or noncredit basis, pending space available, for free. The school must grant admission via its normal procedures.
Technology, lab and other fees are the responsibility of the student. Many South Carolina community colleges offer online courses for those interested.
42. South Dakota
Residents 65 and older can attend public universities in South Dakota at 55% of the normal cost of tuition for undergraduate or graduate in-person courses on a main university campus.
Interested adults should apply through the regular admissions system and the school will automatically grant the discount upon admission. Student fees are not waived.
Contact your chosen university to see whether online courses are offered.
Tennessee residents age 65 and older may enroll in tuition-free courses for credit at state schools and community colleges.
Student will still pay application and course fees. Online courses are available for audit in addition to in-person ones.
A senior citizen age 65 or older can take up to six tuition-free credit hours at the University of Texas at Austin.
Check with each individual university to see which online and in-person classes are available for enrollment.
Residents age 62 and up may enroll tuition-free at a state institution, space permitting; a quarterly registration fee is required.
At the University of Utah, for example, seniors can audit most classes on a space-available basis and only have to pay a fee of $25 per semester. UOnline Undergraduate classes are not included.
Vermonters over the age of 65 can audit one class per semester tuition-free on a space-available basis in the Vermont State College system. Students can take additional classes at a 50% discount of the tuition rate, either in person or online.
They’ll still have to pay administration and course fees for all classes.
Under the amended terms of the Senior Citizens Higher Education Act of 1974, Virginia residents over 60 years old who earn a taxable income of less than $23,850 annually can audit up to three courses per term for free on a space-available basis at any public institution, either in-person or online.
Institutions in Washington state are required to partially or fully waive tuition fees for residents age 60 or older who are enrolled for credit on a space-available basis. Nominal fees may apply to students auditing courses.
Some schools limit senior citizens to a certain number of classes or credits; for example, Washington State University caps the waiver at six credits for the fall and spring semesters. Online programs are available.
49. West Virginia
Although senior students at West Virginia University applying for credit must use the regular admissions form, those wishing to be non-degree students pay just $5 to apply. WVU offers classes online or in-person.
Adults 60 and up may audit classes at the University of Wisconsin-Madison campus or at UW-Madison Online for free, where space is available.
At Laramie County Community College, senior citizens age 60 years and up only pay $10 per credit, though they still need to pay any other course or online fees.
Northwest College offers adults 60 and older free tuition for up to six credit hours per semester for on-site and online courses, as well as free entry to most college social, cultural and athletic events.
Another Continuing Education Option
Prices vary depending upon the institution. Duke University, for example, has a $50 annual membership fee, and then charges $40 to $150 per class. Senior citizens can choose to take classes online or in person.
OLLI classes don’t count toward a degree, but if you’re looking for personal development opportunities among older adults, these courses can provide opportunities that mix in the campus experience, too.