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More than a dozen colleges offer free tuition to all students. The colleges don't charge any tuition, but most do charge for room and board and there are other incidental expenses (e.g., books, supplies and equipment, transportation, health insurance, personal expenses), so loans are still required, just not as frequently or as much. Many of these colleges require all students to work. Several of these colleges are located in rural and remote areas.

These colleges include Alice Lloyd College (KY), Barclay College (KS), Berea College (KY), College of the Ozarks (MO), Cooper Union (NY), Curtis Institute of Music (PA), Deep Springs College (CA), Franklin W. Olin College of Engineering (MA), Saint Louis Christian College (MO), Webb Institute (NY), William E. Macaulay Honors College at CUNY (NY) and Williamson Free School of Mechanical Trades (PA).

The various Armed Forces colleges, including the US Military Academy (West Point, NY), US Naval Academy (Annapolis, MD) and US Merchant Marine Academy (Kings Point, NY), do not charge any tuition.