Cost of Attendance

Cost of attendance is the cornerstone of establishing a student’s financial need.

The cost of attendance (COA) is the cornerstone of establishing a student’s financial need, as it sets a limit on the total aid that a student may receive. Each student has a Cost of Attendance budget that determines the amount of financial aid you are allowed to receive. This budget includes both direct and indirect costs. The COA is not the bill that you get; it is the total amount it may cost you to go to college each year.

Direct costs are the charges you incur at the university. Because of our commitment to clarity and transparency, direct costs at Cumberlands only includes tuition and food and housing (for residents).

Indirect costs are living expenses you may incur. These include transportation, food, and housing (for commuters and online students), and other miscellaneous expenses. You may be eligible for additional financial aid to cover these indirect costs.

You can view these indirect costs here, or on your MyUC account. Please contact the Student Financial Center if you have any questions.

Cost of Attendance

2024-2025 Academic Year

Undergraduate Main On Campus
Cost Items	Full-Time Semester Hours	Per Academic Semester	Per Academic Year
Tuition and Fees	12	$4,937.50	$9,875
Food and Housing	12	$4,650	$9,300
Additional Food and Housing¹	12	$237.50	$475
Transportation	12	$1,628.50	$3,257
Loan Fees	12	$45	$90
Miscellaneous	12	$1,687.50	$3,375
Total		$13,186	$26,372

Undergraduate Main Off Campus
Cost Items	Full-Time Semester Hours	Per Academic Semester	Per Academic Year
Tuition and Fees	12	$4,937.50	$9,875
Food and Housing	12	$6,682.50	$13,365
Transportation	12	$3,250	$6,500
Loan Fees	12	$45	$90
Miscellaneous	12	$842.50	$1,685
Total		$15,757.50	$31,515

Undergraduate Main With Parent
Cost Items	Full-Time Semester Hours	Per Academic Semester	Per Academic Year
Tuition and Fees	12	$4,937.50	$9,875
Food and Housing	12	$2,925	$5,850
Transportation	12	$3,250	$6,500
Loan Fees	12	$45	$90
Miscellaneous	12	$1,687.50	$3,375
Total		$12,845	$25,690

¹To meet new federal guidelines for our cost of attendance, we have added two extra meals per week to our on-campus students’ budgets, going from 19 meals per week to 21 meals per week! This does not affect our resident students’ direct costs, so we placed the allowance as a separate budget item. Per the FAFSA Simplification Act, the food and housing allowance is based on the student’s situation as described below.

For students who choose institutionally owned or operated food services (e.g. board or meal plans), a standard allowance that provides the equivalent of three meals per day
For students who do not choose institutionally owned or operated food services, a standard allowance for purchasing food off campus that provides the equivalent of three meals per day

Off-campus/with parent students will not see an additional food and housing cost item as their food and housing costs already account for three meals per day. Cost of attendance is based on full-time enrollment.

The Cost of Attendance amounts are estimated based on full-time enrollment. Full-time enrollment for undergraduate students is 12 hours per semester. After enrollment begins these figures will be updated to the actual amounts based on enrollment. If a student is enrolled less than full-time (12 hours) or 16 weeks per semester there will be an adjustment to their Cost of Attendance.

2024-2025 Academic Year

Undergraduate Online
Cost Items	Per Hour Rate	Full-Time Semester Hours	Per Academic Semester	Per Academic Year
Tuition and Fees	$220	12	$2,640	$7,920
Books, Supplies, Course Materials, and Equipment		12	$600	$1,800
Food and Housing		12	$8,940	$26,820
Transportation		12	$1,100	$3,300
Loan Fees		12	$45	$135
Miscellaneous		12	$1,500	$4,500
Total			$14,825	$44,475

Graduate Masters Education Programs and Graduate Military Rate

Graduate Masters Education Programs³and Graduate Military Rate
Cost Items	Per Hour Rate	Full-Time Semester Hours	Per Academic Semester	Per Academic Year
Tuition and Fees	$315	6	$1,890	$5,670
Books, Supplies, Course Materials, and Equipment		6	$600	$1,800
Food and Housing		6	$8,940	$26,820
Transportation		6	$1,100	$3,300
Loan Fees		6	$75	$225
Miscellaneous		6	$1,500	$4,500
Total			$14,105	$42,315

GRADUATE - MASTER EDUCATION PROGRAMS³- Education (MAED), Education Specialist, Rank I, Administrative Certification, Endorsement, Proficiency Evaluation, Standard Certification, Teaching (MAT)

Graduate – Doctoral (EdD and Leadership)

Graduate – Doctoral (EdD and Leadership)
Cost Items	Per Hour Rate	Full-Time Semester Hours	Per Academic Semester	Per Academic Year
Tuition and Fees	$415	6	$2,490	$7,470
Books, Supplies, Course Materials, and Equipment		6	$600	$1,800
Food and Housing		6	$8,940	$26,820
Transportation		6	$1,100	$3,300
Loan Fees		6	$75	$225
Miscellaneous		6	$1,500	$4,500
Total			$14,705	$44,115

Graduate – Masters

Graduate – Masters²
Cost Items	Per Hour Rate	Full-Time Semester Hours	Per Academic Semester	Per Academic Year
Tuition and Fees	$355	6	$2,130	$6,390
Books, Supplies, Course Materials, and Equipment		6	$600	$1,800
Food and Housing		6	$8,940	$26,820
Transportation		6	$1,100	$3,300
Loan Fees		6	$75	$225
Miscellaneous		6	$1,500	$4,500
Total			$14,345	$43,035

GRADUATE - MASTERS² - Business Administration (MBA), Strategic Management, Project Management, Criminal Justice Administration, Health and Human Performance (MSHHP), Coaching, Christian Studies (MACS), Cyber Engineering, Information Technology, Information Systems Security, Digital Forensics, Global Technology - Blockchain, and Organizational Leadership

Graduate Counseling Programs and Graduate Human Services Programs

Graduate Counseling Programs and Graduate Human Services Programs
Cost Items	Per Hour Rate	Full-Time Semester Hours	Per Academic Semester	Per Academic Year
Tuition and Fees	$449	6	$2,694	$8,082
Books, Supplies, Course Materials, and Equipment		6	$600	$1,800
Food and Housing		6	$8,940	$26,820
Transportation		6	$1,100	$3,300
Loan Fees		6	$75	$225
Miscellaneous		6	$1,500	$4,500
Total			$14,909	$44,727

Graduate – Doctoral (Information Technology and Business)

Graduate – Doctoral (Information Technology and Business)
Cost Items	Per Hour Rate	Full-Time Semester Hours	Per Academic Semester	Per Academic Year
Tuition and Fees	$549	6	$3,294	$9,882
Books, Supplies, Course Materials, and Equipment		6	$600	$1,800
Food and Housing		6	$8,940	$26,820
Transportation		6	$1,100	$3,300
Loan Fees		6	$75	$225
Miscellaneous		6	$1,500	$4,500
Total			$15,509	$46,527

Graduate – Nursing (Family Nurse Practitioner)

Graduate – Nursing (Family Nurse Practitioner)
Cost Items	Per Hour Rate	Full-Time Semester Hours	Per Academic Semester	Per Academic Year
Tuition and Fees	$539	6	$3,234	$9,702
Books, Supplies, Course Materials, and Equipment		6	$600	$1,800
Food and Housing		6	$8,940	$26,820
Transportation		6	$1,100	$3,300
Loan Fees		6	$75	$225
Miscellaneous		6	$1,500	$4,500
Total			$15,449	$46,347

Executive Graduate Cost of Attendance

Executive Masters Programs
Cost Items	Per Hour Rate	Full-Time Semester Hours	Per Academic Semester	Per Academic Year
Tuition and Fees	$549	6	$3,294	$9,882
Books, Supplies, Course Materials, and Equipment		6	$600	$1,800
Food and Housing		6	$8,940	$26,820
Transportation		6	$1,100	$3,300
Loan Fees		6	$75	$225
Miscellaneous		6	$1,500	$4,500
Total			$15,509	$46,527

Executive Doctoral Programs
Cost Items	Per Hour Rate	Full-Time Semester Hours	Per Academic Semester	Per Academic Year
Tuition and Fees	$749	6	$4,494	$13,482
Books, Supplies, Course Materials, and Equipment		6	$600	$1,800
Food and Housing		6	$8,940	$26,820
Transportation		6	$1,100	$3,300
Loan Fees		6	$75	$225
Miscellaneous		6	$1,500	$4,500
Total			$16,709	$50,127

Executive students who are not eligible for federal loans will not be assigned a loan fee cost item.

The Cost of Attendance amounts are estimated based on full-time enrollment. Full-time enrollment for graduate students is 6 hours per semester. After enrollment begins these figures will be updated to the actual amounts based on enrollment. If a student is enrolled less than full-time (6 hours) or 16 weeks per semester there will be an adjustment to their Cost of Attendance.

Physician Assistant Cost of Attendance

Physician Assistant - Northern KY
Cost Items	Per Academic Semester	Per Academic Year
Tuition and Fees	$12,500	$25,000
Books, Supplies, Course Materials, and Equipment	$600	$1,200
Food and Housing	$9,740	$19,480
Transportation	$7,700	$15,400
Loan Fees	$800	$1,600
Miscellaneous	$1,500	$3,000
Total	$32,840	$65,680

Physician's Assistant – Williamsburg
Cost Items	Per Academic Semester	Per Academic Year
Tuition and Fees	$12,500	$25,000
Books, Supplies, Course Materials, and Equipment	$600	$1,200
Food and Housing	$9,740	$19,480
Transportation	$7,700	$15,400
Loan Fees	$800	$1,600
Miscellaneous	$1,500	$3,000
Total	$32,840	$65,680

Doctor of Physical Therapy Cost of Attendance

Doctor of Physical Therapy
Cost Items	Hours per Semester	Cost Per Hour	Per Academic Semester
Semester 1 Tuition	22	$700	$15,400
Semester 2 Tuition	23	$700	$16,100
Semester 3 Tuition	23	$700	$16,100
Semester 4 Tuition	19	$700	$13,300
Semester 5 Tuition	16	$700	$11,200
Semester 6 Tuition	12	$700	$8,400
Books, Supplies, Course Materials, and Equipment			$600
Food and Housing			$9,740
Transportation			$7,700
Loan Fees			$800
Miscellaneous			$1,500
Semester 1 Total			$35,740
Semester 2 Total			$36,440
Semester 3 Total			$36,440
Semester 4 Total			$33,640
Semester 5 Total			$31,540
Semester 6 Total			$28,740

Students walk to class on Cumberlands campus

Federal Student Aid Handbook

For more information on the cost of attendance and other federal processes that impact your financial aid, check out this handbook.

Learn More