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

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

 

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. 

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. 

Use the accordions below to determine the cost of attendance for each graduate program. 

Graduate Masters Education Programs3 and 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)

 

 

 

 

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 – 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

 

 

 

 

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)

 

 

 

 

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)

 

 

 

 

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 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 - 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 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.