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Applying for Financial Aid
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Cost of Attendance
Tuition and Fees
Tuition and Fees are direct costs and are billed to the student each semester. For an undergraduate student, the tuition and fee amounts used in the cost of attendance are based on an average enrollment of 14 credit hours per semester.
When planning for your actual costs, it is important to remember the University will bill you for tuition and fees based on the number of credit hours in which you register. You may also have supplemental fees based on the classes in which you enroll. Information about tuition and
supplemental fees is available on the Cashier's Office website.
Housing and Food/Room and Board
Room and board may be either direct costs or indirect costs depending on whether or not you live on campus. If you are living on-campus the housing and food allowances are based on a double-room, 4-person unit in University Housing. If you are living off-campus, either with parents or in your own home or apartment, your housing allowance and food allowance are based on regional averages. The "Living with parent" budget only includes the food allowance.
If you contract for University housing and/or a meal plan, you will be billed for the semester (and meal plan if applicable) in addition to tuition and fees.
Books and Supplies
Books and supplies are indirect costs unless you purchase them at the University Bookstore. The books and supplies allowances are based on full-time enrollment and average book costs. Your books and supply expenses may vary based on the courses you are taking.
Miscellaneous / Personal Expenses and Transportation
Other expenses include allowances for miscellaneous/personal and transportation expenses. These expenses are indirect costs you will not be billed for but are paid by you as they occur. Indirect costs may vary greatly but are based on what are considered reasonable, but modest, costs (gas, clothing, toiletries, etc.) estimated for financial aid purposes to determine your cost of attendance / financial assistance budget.
Loan fees
Loan fees are an estimate and deducted from the loan before it is credited to the student's account. If the student does not borrow a loan, then loan fees will not be charged.
Direct Vs. Indirect Costs
Direct Costs are costs charged directly to the student's university account. This includes tuition and fees, housing (if living on campus), and any books or supplies charged through the campus bookstore. Indirect Costs are those not charged through the university but are included in a student's educational expenses in their cost of attendance, ex. Off campus housing, transportation costs, and personal expenses.
Tuition is estimated at 14 credit hours per semester and includes average supplemental course fees. COA budgets reflect 2018-19 rates.
Living with Parent | resident/metro | nonresident | Midwest student exchange |
Tuition & Fees (Direct Cost) | $11,036 | $27,390 | $15,879 |
Books & Supplies | $1,000 | $1,000 | $1,000 |
Dining (not billed by UMSL) | $2,456 | $2,456 | $2,456 |
Personal (not billed by UMSL) | $3,462 | $3,462 | $3,462 |
Transportation (not billed by UMSL) | $2,150 | $2,150 | $2,150 |
Total Budget/Cost of Attendance | $20,104 | $36,458 | $24,947 |
Living On Campus | resident/metro | nonresident | Midwest student exchange |
Tuition & Fees (Direct Cost) | $11,036 | $27,390 | $15,879 |
Room and Dining (Direct Cost) | $10,140 | $10,140 | $10,140 |
Books & Supplies | $1,000 | $1,000 | $1,000 |
Personal (not billed by UMSL) | $3,462 | $3,462 | $3,462 |
Transportation (not billed by UMSL) | $2,150 | $2,150 | $2,150 |
Total Budget/Cost of Attendance | $27,788 | $44,142 | $32,631 |
Living in own home or apartment |
resident/metro | nonresident | Midwest student exchange |
Tuition & Fees (Direct Cost) | $11,036 | $27,390 | $15,879 |
Books & Supplies | $1,000 | $1,000 | $1,000 |
Room and Dining (not billed by UMSL) | $9,450 | $9,450 | $9,450 |
Personal (not billed by UMSL) | $3,462 | $3,462 | $3,462 |
Transportation (not billed by UMSL) | $2,150 | $2,150 | $2,150 |
Total Budget/Cost of Attendance | $27,098 | $43,452 | $31,941 |