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Compare Master’s in Special Education Programs
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Most Affordable Online Master’s in Special Education Programs of 2025
Compare Master’s in Special Education Programs
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For dedicated special education teachers seeking to further their expertise or embark on leadership roles, pursuing an online master’s degree is a significant step. However, juggling full-time work while avoiding excessive financial strain can be a challenge, which is why Intelligent.com has compiled this list of the most affordable online master’s in special education programs. Here, you can find top-quality programs that offer a straightforward, cost-effective educational path to help you excel in your field while staying within your budget.
Additionally, we’ll break down the cost considerations for online graduate degrees and provide insights into the factors that can influence affordability. Later on, we’ll explore the various options for financing your degree, from out-of-pocket payment plans to securing scholarships, grants, and federal loans. With all of these factors in mind, you’ll be well-suited to make a confident decision to advance your career in special education.
Cost Breakdown for an Online Master’s in Special Education Program
Whether you’re a working professional looking to expand your skill set or a passionate educator seeking specialized knowledge, understanding the costs of obtaining your online master’s in special education is a crucial step toward achieving your educational goals.
Tuition: Tuition fees are assessed per term or credit hour. Per-credit tuition often allows flexibility in the number of courses taken each term. In contrast, per-term tuition may be easier to budget for working professionals who need to plan their educational expenses ahead of time.
Fees: Various fees might apply, covering tech support, academic resources, and digital library access. These fees support online learning infrastructure and access to educational materials.
Personal Technology: Students must invest in personal technology, including a computer, software, and a reliable Wi-Fi connection, to participate in online classes effectively.
Books and Learning Materials: While some online resources may be free, students may need to purchase textbooks and other learning materials essential for coursework.
While financing all of these elements may initially feel overwhelming, it’s essential to consider how online students save money compared to those enrolled in on-campus programs. For example, you’ll save on commuting and housing expenses, which can be significant for traditional on-campus students. Additionally, you won’t be required to pay for on-campus facilities like gyms or laboratories.
Factors Influencing the Cost of an Online Master’s in Special Education Program
Tuition rates for online graduate institutions are influenced by many factors, shaping the cost of education for students nationwide. These can include:
Public vs. Private Institution: Public schools generally offer lower tuition rates than private ones because they receive government funding, which can reduce the financial burden on students. Private colleges, lacking state support, often charge higher tuition for operating costs.
Nonprofit vs. For-Profit: Nonprofit institutions often prioritize education over profit, which can lead to more reasonable tuition rates. For-profit schools, driven by profit motives, tend to have higher tuition costs.
Student Residency Status: In-state residents often enjoy significant tuition discounts at public universities, while out-of-state and international students usually pay higher rates. Some private institutions have a consistent tuition rate for all students.
Student Military Status: Active-duty military members, veterans, and their dependents may qualify for tuition discounts or special financial aid programs at some schools, making education more affordable.
Understanding these factors is essential for those seeking higher education online, as it allows for informed decision-making and can help you find an institution that aligns with your financial situation and educational goals.
Most Affordable 50 Online Master’s in Special Education Programs
This list features some of the most affordable online master’s in special education programs in the U.S. All are offered at nonprofit, accredited institutions, either public or private, with a high standard of academic quality for post-secondary institutions.
We evaluated each degree program on tuition costs, admission, retention and graduation rates, faculty, reputation, and student resources. Then, we calculated the Intelligent Score on a scale of 0 to 100. Read more about our ranking methodology.
Next, we compared our picks to a list of aggregated college rankings from reputable publications like the U.S. News & World Report, among others, to simplify a student’s college search. We pored through these rankings so students don’t have to.
How to Pay for an Online Master’s in Special Education Degree
Out-of-pocket
For some students, paying for some or all of their tuition out-of-pocket may be beneficial. This approach can be advantageous as it can help you avoid accumulating student loan debt and incurring interest, which is especially pertinent since many graduate loans are unsubsidized, with interest accruing immediately.
Some universities offer flexible payment plans that allow students to pay tuition in installments, making it more manageable to cover costs without loans. This responsible financial strategy reduces the long-term financial burden, ultimately offering greater financial security upon completing their special education degree.
Federal student loans
Most graduate students will qualify for federal funding after submitting the Free Application for Federal Student Aid (FAFSA) through Direct Unsubsidized Loans and Grad PLUS Loans. These loans can provide essential financial support, but it’s crucial to avoid overborrowing. Every dollar borrowed accrues interest, and these loans will eventually need repayment.
If you’re considering taking out a federal loan to fund your education, it’s essential to secure grants, scholarships, and even part-time work to minimize the need for federal loans and reduce any long-term financial burden. Careful financial planning and utilizing multiple funding sources will help ensure a manageable path to achieving your degree without excessive debt.
Private education loans
While private education loans exist and can fund your education, they should only be used as a last resort. These are generally not recommended due to higher interest rates and less favorable repayment terms than federal loans. Federal loans offer extensive borrower protections and flexibility, making them a safer choice.
Scholarships
Scholarships are an excellent source of funding for a graduate degree, as they don’t need to be repaid and can significantly offset the costs of your education. Opportunities can be merit-based, need-based, or specific to special education programs, making them feasible for various students. Scholarships can reduce your financial burden by a considerable degree, ultimately making your degree more affordable and accessible.
To access these opportunities, reach out to your institution’s financial aid office, explore online scholarship databases, and check with professional organizations related to special education to see if they offer a scholarship you qualify for.
Grants
Grants are another excellent option for financing your education. Like scholarships, they don’t need repayment. The Teacher Education Assistance for College and Higher Education (TEACH) grant, in particular, offers up to $4,000 per year to students who commit to teaching in high-need fields, such as special education, at low-income schools for at least four years.
To apply for a TEACH grant, complete the FAFSA and meet specific eligibility requirements. You can also explore other grant opportunities from your institution, professional organizations, and federal or state governments to help.
Work-study
Work-study programs can help you gain valuable work experience while earning money to help cover the costs of your graduate degree.
Federal work-study, provided through the FAFSA, offers part-time employment opportunities on or off-campus to eligible students with financial need. To apply, you must submit the FAFSA and express interest in work-study.
Institutional work-study opportunities may also offer on-campus jobs related to your field. Check with your school’s financial aid office for available positions.
Employer tuition assistance
You can also utilize employer tuition assistance to finance your education. Many employers offer financial support or reimbursement for higher education to their employees as a way to build upon their current skill set and expertise. These programs can significantly reduce the financial burden of a graduate degree, making it a cost-effective choice for those aiming to advance their careers in special education.
To take advantage of this opportunity, inquire with your employer’s Human Resources or benefits department about available tuition assistance programs, eligibility criteria, and application procedures.
For most students in the United States, the Free Application for Federal Student AId (FAFSA) is the gateway to financial assistance for college. This free online form gathers information about a student’s or their family’s financial situation to determine their eligibility for federal funding, which may include loans, grants, work-study programs, and aid from many states and colleges.
To apply, you’ll want the necessary documents readily available — including your Social Security Number, tax returns, and bank statements. You must provide details on your income, assets, household size, and immigration status to complete the application.
Learn more about the FAFSA
Whether you’re a prospective college student or a returning scholar, our Ultimate FAFSA Guide offers a step-by-step breakdown of the FAFSA application process, ensuring you navigate the complexities with confidence. The guide also includes a detailed list and explanation of the types of funding available and valuable insights on handling questions about household size and immigration status.
Student loan forgiveness and repayment
Student loan forgiveness in the United States remains a contentious issue without a comprehensive solution. Amidst ongoing debates, borrowers must take a proactive approach when it comes to repayment — and this might mean exploring other options before taking out a federal loan. As college counselor Dana Marvin puts it: “It is smart of families to look into every other way to fund the student’s education before accepting any loans. All avenues for scholarships, both from the school and outside organizations, as well as grants from the state, should be looked into before officially taking out a loan.”
If you must take out loans, know that there are already some federal loan forgiveness programs available for teachers and those who work in public service. The Teacher Loan Forgiveness program offers up to $17,500 in forgiveness for educators who teach in low-income schools for five years — which can significantly alleviate student loan debt if you’re committed to teaching special education. Similarly, the Public Service Loan Forgiveness program provides relief for individuals working in public service, including non-profit organizations and government agencies. After making 120 qualifying payments, the remaining debt is forgiven.
What Can You Do with an Online Master’s in Special Education Degree?
An online master’s in special education degree will prepare graduates for various roles working with special needs students in an educational setting.
For those who want to work in classroom settings, this degree can lead to teacher certification or be used as continuing education to maintain teacher certification. Having a master’s degree can increase special education teachers’ earning potential. According to the National Center for Education Statistics (NCES), during the 2020-21 academic year, the average annual salary for public school teachers with a master’s degree was $66,960, compared to $52,540 for those with a bachelor’s degree.
Another option is advancing into administration and leadership positions, such as special education coordinator. These individuals help develop curriculums and programs for special needs students and advocate for students and families within schools.
Depending on the leadership positions they seek, students may need a doctorate in special education or a related area like educational leadership or curriculum and instruction. An online master’s in special education from an accredited school provides excellent preparation for further study at the doctorate level.
Career Outlook
Special education teachers — Work with students who have learning, mental, emotional, or physical disabilities; adapt general education lessons and teach various subjects to students with mild to moderate disabilities, as well as basic skills to students with severe disabilities.
Median annual salary: $65,910
Projected employment growth (through 2032): 0%
New jobs projected: 33,500 per year
School counselors — Help students understand and overcome social or behavioral challenges; analyze data to identify factors, such as poor attendance, that negatively affect academic performance; and work with students to develop skills that support learning.
Median annual salary: $61,170
Projected employment growth (through 2032): 5%
New jobs projected: 26,600 per year
Instructional coordinators — Oversee school curriculums and teaching standards, develop educational material, implement it with teachers and principals, and assess its effectiveness.
Median annual salary: $74,620
Project employment growth (through 2032): 2%
New jobs projected: 19,200 per year
How to Choose the Online Master’s in Special Education Degree Program That’s Right For You
Searching for the ideal online program to help you meet your educational goals begins with cultivating a clear vision of what you need to be successful.
First, pinpoint your area of focus, considering various specializations within special education, such as autism, learning disabilities, or emotional and behavioral disorders. Understanding which type of students you’re most passionate about working with will be pivotal in making this decision.
It’s also important to consider your ideal delivery format and which scheduling option best suits your lifestyle. Asynchronous part-time options offer flexibility for working professionals, allowing them to balance their studies with their careers. On the other hand, synchronous full-time programs are ideal for those with more time to dedicate to their studies and a desire for a structured, immersive learning experience.
Research schools and programs
After clarifying your goals and preferences, conducting thorough research is essential. Start by ensuring the institution and program hold proper accreditation, ensuring you’ll receive a quality education that future employers will respect. Then, consider the following questions to help guide your research:
Is the curriculum tailored for online learning?
What is the student-to-faculty ratio for online classes?
Are there opportunities for hands-on experience or internships in your location?
How is student engagement fostered in the virtual environment?
What support services are available to online students?
How affordable is the school compared to your other options?
This information is often accessible on school websites, but attending virtual open houses and directly contacting program coordinators can provide in-depth insights, helping you make a well-informed decision for your educational endeavors.
Review admissions and eligibility requirements
Once you have narrowed down your options and know which programs align with your educational goals, preparing for applications is essential. Start by thoroughly reviewing each school’s specific admission requirements and deadlines. Master’s degree programs typically have specific eligibility criteria, such as an undergraduate degree in a particular area or a minimum amount of professional experience.
A standard application for a master’s in special education program includes:
Application and required fees
Official transcripts from all previously attended institutions
Letter(s) of recommendation
Personal statement
Resume
GRE scores
If you have yet to take the Graduate Record Examination (GRE), consider enrolling in a test prep program to maximize your chances of success. These programs can provide valuable test-taking strategies and guided practice, ultimately boosting your performance and giving you a competitive edge in the application process.
