University of Massachusetts Amherst

In 2022, tuition for full-time students at University of Massachusetts Amherst was $16,952 a year for in-state students and $38,172 a year for out-of-state students.

Usually, college tuition goes up about 3% every year.

Remember, the advertized cost of tuition doesn't give you enough information to determine the actual cost of attending any given college. Many students owe way less than the total tuition after grants, scholarships, and tuition discounts are awarded. And, student loans can make the amount you do have to pay for college more manageable until you're done with college.

Tuition for international students at University of Massachusetts Amherst is $38,582 per year.

University of Massachusetts Amherst: In-state vs. Out-of-State Tuition

University of Massachusetts Amherst is a public, state institution, so it offers a reduced tuition rate of $16,952 for students who qualify as state residents and attend full-time. For non-Massachusetts residents, out-of-state tuition is $38,172 a year.

Public colleges and universities receive funding from the state government. Public, state schools can offer lower tuition for students who meet the requirements for in-state residency.

Choosing a school where you qualify for in-state tuition can save significant money on the overall cost of college. Take the time to check your state's eligibility criteria for in-state residency. Each state has different requirements to qualify as in-state resident. The most common requirement is that students must have lived in the state for a full year before starting school. There may be other criteria too, depending on where you live.

Explore other Massachusetts colleges

University of Massachusetts Amherst International Student Tuition

Tuition at UMass Amherst is higher for international students than it is for out-of-state students.

International students at University of Massachusetts Amherst can expect to pay around $38,582 per year, before any scholarships or financial aid.

International students usually do not qualify for for loans or grants from the U.S. government, but should research 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 budgeting for college. Let's take a look at what impacts these costs, and what to expect at UMass Amherst.

House and Food Costs at UMass Amherst

Room and board at UMass Amherst costs $15,232 a year. This covers the cost of living in dorms or other on-campus housing, and a meal plan that enables you to eat all or some of your meals the UMass Amherst's on-campus cafeterias and dining halls.

Meal-plan costs can depend on how many meals are included in the plan you choose.

How Much Do Books Cost at UMass 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 and supplies 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.

Yearly Fees

The majority of colleges charge some yearly fees to help cover the cost of facilties, like the library, gym and computer labs.

Keep in mind, there could also be additional fees associated with participating in special 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 get help covering these fees.

Transportation costs

The total cost of getting around in college depends on a few key factors. Will you drive, fly, or take public transportation to school? Will you need to pay to park on-campus? Is the campus walkable? Do you plan to bring a car or are you planning to use busses, subways, or other modes of transportation? All of these questions can drastically impact your estimated cost of transportation. Keeping in mind, first-year students are allowed to park a car on campus.

A school's location can also have a big effect on your transportation budget. Small, rural schools may be easier to get around, but the cost of getting to campus may be higher. On the flip side, transportation in a city is usually costly, but there may be more buses, trains or affordable flights to actually get to school. The University of Massachusetts Amherst campus is located in a small town setting in Massachusetts, near Springfield, MA and Hartford, CT.

Other Costs

When budgeting for college, be sure to take into account personal expenses, 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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Total Tuition and Expenses at University of Massachusetts Amherst

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

How Much Does UMass Amherst Cost?

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

2022 Total Tuition and Expenses
In-state Tuition	$16,952
Out-of-State Tuition	$38,172
Room and Board	$15,232

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.

UMass 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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Financial Aid at University of Massachusetts Amherst

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In 2022, 10,849 of the 24,320 undergrads enrolled received financial aid. UMass Amherst meets 82.1% of the demonstrated financial need for undergraduates.

The average financial aid package for a full-time, first-year student is around $18,853 a year. Around 62% of UMass Amherst undergrads take out student loans to cover any remaining costs. UMass Amherst graduates who have student loans graduate with an average of $31,623 of student loan debt.

The average debt for each loan type varies.

Average Debt By Loan Type
Federal Loans	$22,719
State Loans	$2,653
Private Loans	$38,092

Most Common Loans for UMass Amherst Students
Federal Loans	60%
State loans	0.05%
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 UMass 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 2022, UMass Amherst awarded 9,803 need-based scholarships to students, giving away total of $119.5 million to help students with financial need cover the cost of school. An additional $47.16 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 UMass 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 UMass Amherst was $18,853 in 2022. By substracting the average financial aid package from the estimated costs, we get a number that may make the cost of UMass Amherst seem more manageable.

Estimated Net Cost for Full-Time Students
In-State, On-Campus	$-5,522
Net In-state, Off-campus	$-1,901
Out-of-State, On-Campus	$34,551

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 UMass 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 understand the actual cost of attending that school, based on their financial situation. You can find the UMass 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.

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

Does UMass Amherst Offer Tuition Waivers?

Schools sometimes waiver tuition for certain groups, to offset the cost of attending. Some colleges offer tuition waivers for faculty, staff, and their families , underrepresented students, or military students. Even with a tuition waiver, students are usually responsible for housing, meal plans, and other expenses.

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.

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Learn More About University of Massachusetts Amherst

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Click below to find out more about the admissions requirements and deadlines, student life, academics, majors and more.

Overview

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