The Cost of Attendance (COA) is determined by a student's program type, enrollment, residency status, and living arrangement. The COA includes both direct (billed) and indirect (not billed) costs associated with a student's program. The COA also dictates the maximum amount of financial aid a student can receive for an academic year. Students can view their Cost of Attendance by logging into SURFS, navigating to the Financial Aid Dashboard, and selecting the Award Offer tab.

Direct Costs:

Direct Costs are mandatory expenses that are billed directly to the student. These charges will show on the student bill through TouchNet. Tuition and fees will vary based on a student's program, enrollment, and residency status. Students can view program-specific COAs by selecting their school below. 

• Tuition
• Mandatory University Fees
• Mandatory Program Fees
• Student Health Insurance--charged to all full time students, unless proof of adequate comparable coverage is provided (for information about waiving insurance coverage, visit Student Health Insurance)

Indirect Costs:

Indirect costs are expenses that a student may reasonably incur while enrolled, but are not directly billed to the student. Indirect expenses will vary from student to student based on their program and own personal circumstances. Accepted financial aid can be used to cover indirect expenses. Students who have accepted aid to assist with indirect costs will receive a refund once all direct (billed) costs are paid in full each term. Indirect expenses that are included in the COA are listed below:

• Books, Course Materials, Supplies, and Equipment
  • may include allocations for purchasing a laptop, books, uniforms, educational equipment etc. 
• Licensure/Certification cost
  • can include the cost of obtaining a license, certification, or first professional credential as required for a student's program
• Transportation (expenses incurred while traveling between a student's home, school, and work)
  • may also include allocations for clinical or program-related travel 
• Fees associated with the Federal Direct Stafford loan and the Federal Direct Grad PLUS loan
• Living Expenses

All UMB students are presumed to be living off campus unless they are a dependent student (as determined by the FAFSA) living at home with parent(s). UMB does not have any university-owned on-campus housing. Below are the monthly allocations included in the living expense component of the COA. 

2025-2026 Monthly Living Expense Allocations