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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.

Estimate and create a financial plan using our online cost planner.

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:

2019-2020 Estimated COA for Full Time Undergraduate (12 Credits)

In StateOut of StateNE Regional
Tuition / Fees$15,648$33,574$27,188
Room / Board$13,060$13,060$13,060
Total Direct Costs$28,708$46,634$40,248
Total Indirect Costs*$2,624$2,624$2,624
Total COA$31,332$49,258$42,872

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

2019-2020 Estimated COA for Graduate (9 Credits)

In StateOut of StateNE Regional
Tuition / Fees$15,160$26,940$22,971
Room / Board$13,060$13,060$13,060
Total Direct Costs$28,220$40,000$36,031
Total Indirect Costs*$3,876$3,876$3,876
Total COA$32,096$43,876$39,907

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

2019-2020 Estimated COA for Full Time CSCE (12 Credits)

CommuterOff CampusOn Campus
Tuition / Fees$8,220$8,220$8,220
Room / BoardN/AN/A$13,060
Total Direct Costs$8,220$8,220$21,280
Total Indirect Costs$4,624$8,774$2,624
Total COA$12,844$16,994$23,904

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. Make an estimated financial plan using our online cost planner.

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