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Determining Financial Need

UMass Lowell tuition, fees, room and board rates are established each spring for the following academic year.

The information presented below is only an estimate of your cost of attendance (COA). There may be additional charges not reflected below that appear on your university bill. These additional fees may be based on the student's career, level and program which are not included.

The Student Health Insurance Plan required by Massachusetts state law is not included. This fee may be waived if your health insurance meets the Massachusetts state requirements. Visit University Health Services for details.

Find detailed information about tuition and fees.

Below find the estimated COA for all academic careers:

2016-2017 Estimated COA for Full Time Undergraduate (12 Credits)
In State Out of State NE Regional Proximity
Tuition / Fees $14,307 $30,875 $24,489 $24,489
Room / Board $12,073 $12,073 $12,073 $12,073
Total Direct Costs $26,380 $42,948 $36,562 $36,562
Total Indirect Costs* $2,622 $2,622 $2,622 $2,622
Total COA $29,002 $45,570 $39,184 $39,184

*The indirect costs shown are for students living on campus.

2016-2017 Estimated COA for Graduate (9 Credits)
In State Out of State NE Regional Proximity
Tuition / Fees $14,679 $26,228 $22,259 $22,259
Room / Board $12,073 $12,073 $12,073 $12,073
Total Direct Costs $26,752 $38,301 $34,332 $34,332
Total Indirect Costs* $3,856 $3,856 $3,856 $3,856
Total COA $30,608 $42,157 $38,188 $38,188

*The indirect costs shown are for students living on campus.

2016-2017 Estimated COA for Full Time CSCE (12 Credits)
Commuter Off Campus On Campus
Tuition / Fees $8,220 $8,220 $8,220
Room / Board N/A N/A $12,073
Total Direct Costs $8,220 $8,220 $20,293
Total Indirect Costs $4,622 $8,272 $2,622
Total COA $12,842 $16,492 $22,915

Other Costs

In addition to tuition and fees, you will need to factor some additional school related expenses, which will vary according to your field of study, dependency and residency status. These additional expenses are for books & supplies,generally range from $500 to $1,200 for the academic year, personal & transportation expenses usually range from $500 to $1,800 per year and off campus room and board range from $500 to $8,000.

We add these expenses to the costs above and use the total, a figure referred to as your “Estimated Cost of Attendance”, to determine your eligibility and need for financial aid.

Average Debt per Borrower, Full-time Undergraduate Students

2012 Graduates:

  • Average cumulative principal (overall) $29,212
  • Average cumulative principal borrowed through federal loan programs $23,918