Paying for College

Paying For College

Direct Cost & Additional Expenses

The Direct Costs Subtotal is an estimate of the amount you will be billed by the University. It includes tuition and fees, and if you are living on campus, housing and food.

If you live at home or off campus, housing and food will not be billed by the University; however, you will want to budget those expenses. You will also want to budget Additional Expenses such as books and transportation.

The University prepares cost of attendance (COA) figures in order to calculate financial aid eligibility for all students.

View Cost of Attendance >

Understanding Your Financial Aid Offer

The Annual Cost of Attendance (COA) reflects the educational costs you will likely have in order to attend UMD. It is a budget based on current year costs plus an estimate of potential increases.

Actual costs may differ depending on your academic program, coursework, and personal spending choices.

The 2026-2027 Estimated Cost of Attendance (as of January 2026) worksheet is designed to help you determine your remaining estimated costs.

FAFSA

The Free Application for Federal Student Aid (FAFSA) is the first step in determining eligibility for federal and state grants, student employment or college work study, and the loan programs.

For answers to common questions, see our FAFSA worksheet.

How to get started:

Types of Aid

No matter what your situation, there are resources available to help make the numbers work.

Three forms of financial aid:

Aid you don't repay: Grants and scholarships
Aid you must repay: Loans
Aid you earn: Work-study

Visit our One Stop website for more information about financial aid.

Net Price Calculator

The University of Minnesota Duluth Net Price Calculator provides an estimate of the financial aid you might qualify for as a full-time undergraduate student.

See the Financial Aid Timeline for more information.

Net Price Calculator >

View the Financial Aid Guide

View the Paying for College Flipbook

Connect with our Financial Aid Educator, Carl Huber, who can help you and your family navigate financial aid options.

Email: [email protected]
Call: 218-726-6733

Meet with Carl