University of Massachusetts Amherst

In 2022, tuition for full-time UMass Amherst students was $17,357 a year for in-state students and $39,293 a year for out-of-state students.

On average, college tuition rises about 3% year.

If this information makes going to college seem daunting, remember, the advertized cost of tuition doesn't tell the full story. Many students pay far less than the sticker price after grants, scholarships, and tuition discounts are applied. Additionally, student loans can make theactual cost of attending college more manageable until after graduation.

Tuition for international students at University of Massachusetts Amherst is $39,293 per year.

University of Massachusetts Amherst meets 84% of the demonstrated financial need for undergraduates. The average financial aid package for a full-time, first-year student at University of Massachusetts Amherst is around $20,147 a year.

The average student debt for graduates in the class of 2023 was around $31,480 per student, not including those with no debt.

Does University of Massachusetts Amherst Offer In-State and Out-of-State Tuition?

University of Massachusetts Amherst is a public, state institution, which means it offers a reduced tuition rate of $17,357 for students who qualify as state residents and attend full-time.Non-Massachusetts residents can expect to pay 39,293 per year for tuition.

Public schools receive funds from the state to help them cover costs. Public insitutions often offer reduced tuition for those who qualify as Massachusetts residents.

Choosing a school where you are eligible for in-state tuition can drastically reduce the cost of tuition, as well as loans and interest owed. Take the time to check your state's eligibility criteria for in-state residency. Every state has its own rules about what makes someone eligible for in-state tuition. The most common requirement is that students must have lived in the state for a full year before starting school. There may be additional requirements as well, depending on where you live.

Explore other Massachusetts colleges

University of Massachusetts Amherst International Student Tuition

University of Massachusetts Amherst has the same tuition for international students as for those from out of state.

International students at University of Massachusetts Amherst usually pay around $39,293 per year, before any scholarships, grants or other financial aid.

Students from outside of the U.S. usually do not qualify for for loans or grants from the U.S. government, but may be eligible for private or school-specific aid and scholarships.

International students without financial need may be eligible for merit-based institutional scholarships.

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University of Massachusetts Amherst Living Expenses, Fees, and More

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Tuition is not the only cost of attending college; room and board, books, transportation and fees are also costs it consider when planning for college. Let's take a look at what impacts these costs, and what to expect at University of Massachusetts Amherst.

House and Food Costs at University of Massachusetts Amherst

Room and board at University of Massachusetts Amherst is $15,437 a year. This number covers the cost of living in dorms or other on-campus housing, and a dining plan that enables you to eat in the University of Massachusetts Amherst's on-campus cafeterias and dining facilities. Students who do not live on-campus but would like to be able to eat in the campus dining can choose to be on a meal plan. The cost of a mean plan, or board-only, is $8,154.

Meal-plan costs vary based on on the number of meals you intend to eat on-campus

How Much Do Books Cost at University of Massachusetts Amherst?

First-year students are sometimes surprised by how much books and supplies cost–and not in a good way. The real cost of books depends on the courses you take and the materials required. To save money, many students choose to use books from the library or buy used textbooks and materials.

Annual Fees

The majority of colleges also have fees to offsets cost associated with maintaining facilties, like the library, gym and computer labs.

There may be optional fees associated with participating in certain activities, like joining a fraternity or sorority, or playing on an intramural sports team. Most colleges have resources so that those who may struggle to participate because of cost can find ways to lower or eliminate these costs.

Planes, Trains, and Automobiles: Transportation costs at University of Massachusetts Amherst

The total cost of getting around in college depends on a few key factors. Will you take a subway, car or an airplane to get to school? Will you need to pay to park on-campus? Is the campus small enough that you can easily walk from class-to-class?? Do you own a car, or will you need to use public transportation? All of these questions can make a big difference in your transportation budget. At University of Massachusetts Amherst, freshman are allowed to park on campus.

A school's location can impact transportation costs. Small, rural schools may be easier to get around, but the cost of getting to campus may be higher. On the other hand getting around in an urban area is often costly, but there may be more buses, trains or affordable flights to actually get to school. The University of Massachusetts Amherst campus is in a town in Massachusetts, near Springfield, MA and Hartford, CT.

Other Costs

When budgeting for college, don’t forget to take into account the cost of things like going out to eat or see shows, furnishing your living space, and things like haircuts, clothes and, yes, even toilet paper and shampoo.

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The Full Cost of Attending University of Massachusetts Amherst

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Now, let’s go over all of the costs we've covered, to get a better estimate of the actual cost of attending University of Massachusetts Amherst.

How Much Does University of Massachusetts Amherst Cost?

What will the cost of attending University of Massachusetts Amherst be? Here is a breakdown of tuition and expenses.

2023 Total Tuition and Expenses
In-state Tuition	$17,357
Out-of-State Tuition	$39,293
Room and Board	$15,437
Board Only	$7,283
Other expenses	$1,000

The total estimated cost will vary depending on whether you are going to live on-campus or off-campus.

Tuition and fees may vary depending on program, course level, location, and more.

University of Massachusetts Amherst’s tuition and fees change based on: •Academic program for both full and part-time students •Course load for part-time students

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University of Massachusetts Amherst Financial Aid

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In 2023, 10,914 of the 24,415 undergrads enrolled received financial aid. University of Massachusetts Amherst meets 84% of the demonstrated financial need for undergraduates.

The average financial aid package for a full-time, first-year student is around $20,147 a year. Around 60% of University of Massachusetts Amherst undergrads take out student loans to cover any remaining costs. University of Massachusetts Amherst graduates who have student loans graduate with an average of $31,480 of student loan debt.

The average debt for each loan type varies.

Average Debt By Loan Type
Federal Loans	$21,988
State Loans	$4,000
Private Loans	$40,274

Most Common Loans for University of Massachusetts Amherst Students
Federal Loans	59%
Private loans	15%

Most students take out institutional or government loans, because they tend to have lower interest rates and more flexible repayment options than private loans. Loans from the federal government can be subsidized or unsubsidized. Subsidized loans do not accrue interest during school, while unsubsidized loans begin accruing interest at the time the loan is issued. If students do no qualify for enough federal loans to cover the cost of tuition, some take out private loans. Parents can also take out ParentPLUS loans, which are government loans for parents who are helping their children pay for college.

The Free Application for Federal Student Aid (FAFSA) helps colleges determine how much financial need students and their familes have, so they can offer a financial aid package that meets, or come close to meeting, their need. For more information on University of Massachusetts Amherst financial aid, keep reading, or visit their financial aid website.

Scholarships at University of Massachusetts Amherst

Some students may receive grants and scholarships to help pay for college. Unlike loans, scholarships and grants do not have to be paid back.

In 2023, University of Massachusetts Amherst awarded 9,903 need-based scholarships to students, giving away total of $127.9 million to help students with financial need cover the cost of school. An additional $51.72 million in merit-based scholarship money was awarded to students without demonstrated financial need.

Net Cost of University of Massachusetts Amherst

The net price of college is the actual cost of attending a school for one year. Net cost is calculated by subtracting any scholarships, grants or other aid that does not need to be paid back from the total cost. Student loans are not part of the calculation, because they need to be repaid.

Now that we have a sense of the total estimated costs for University of Massachusetts Amherst students, we can subtract the average financial aid package to find the estimated net cost. Net cost can vary depending on a students’ need and the financial aid award received.

When considering whether a school fits your budget, it is important to consider the estimated net cost, not just the sticker price of tuition. Often, schools with the highest tuition also offer the most generous aid packages, so estimate your net cost before eliminating a school because it does fit your budget.

The average amount of financial aid received by a full-time first year student with demonstrated need at University of Massachusetts Amherst was $20,147 in 2023. By substracting the average financial aid package from the estimated costs, we get a number that may make the cost of University of Massachusetts Amherst seem more manageable.

Estimated Net Cost for Full-Time Students
In-State, On-Campus	$-5,734
Net In-state, Off-campus	$6,259
Out-of-State, On-Campus	$36,349

Note: a negative number can indicate that a refund will be given to use toward other expenses such as housing, fees, and books. In such cases, be sure to reach out to the school directly for any clarification or questions.

What will attending University of Massachusetts Amherst really cost you? The answer depends on several factors.

As of 2011, colleges are required to have a net price calculator on their website to help prospective students and their families get a better idea of the actual cost of attending that school, based on their financial situation. You can find the University of Massachusetts Amherst's net cost calculator on their website.

University of Massachusetts Amherst Tuition Payment Plans

Some students choose to use payment plans to make the cost of tuition fit more comfortably in their budget.

University of Massachusetts Amherst does not have guaranteed tuition.

University of Massachusetts Amherst offers an Installment Payment Plan, which allows students to pay tuition in a series of smaller chunks instead of one lump sum.

UMass Amherst Tuition Waivers

Schools sometimes waiver tuition for certain groups, to offset the cost of attending. Some colleges offer tuition waivers for employees and their family members, underrepresented students, or military students. Even with a tuition waiver, other expenses and fees are the responsibility of the student.

UMass Amherst has some full or partial tuition waivers available for: - Employees or Children of Employees

Check the financial aid website for more information on payment plans and tuition waivers.

University of Massachusetts Amherst's Endowment

An endowment is the total value of a school's investments, donations, and assets. Endowment is not necessarily an indicator of the quality of a school, but it can give you a sense of how much money a college can afford to invest in expanding programs, improving facilities, and supporting students.

University of Massachusetts Amherst's endowment was valued at $494 million in 2023, compared to a national average of $905 million. For each full-time student, University of Massachusetts Amherst spends about $15,827 a year.

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