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Tuition and Financial Information

For the School of Medicine

Average Financial Debt on Graduation

Class of 2021 graduates average indebtedness $165,625

Percentage of 2017 graduateswith medical school debt: 83

 

Default and Loan Repayment Rates

FY 2017 (published Feb 2020)

Official 3 Year Cohort Default Rate:  0.0 percent

Learning Contract

Since 1978 the School of Medicine has offered matriculated students, whether or not they applied for other types of financial aid, a Learning Contract, which defers payment of $5568 of tuition. The General Court of the Commonwealth of Massachusetts established the Learning Contract and legislated repayment terms of various versions.

More information

Total Cost of Education

Expected Cost of Attendance 2021-22

For Students Entering Fall 2021

The Learning Contract of $5,568 is available to all medical students for four years of study. Students enrolled for school courses for credit are assessed the full tuition for each semester of enrollment. Students who register late and/or who are delinquent in the valid repayment of bills will be assessed a late registration fee of $50 and/or a late payment fee of $50.

Tuition and fees may be changed at any time without prior notice.

School of Medicine Expected Cost of Attendance 2021-22

Class of 2025 MA Resident Non-MA Resident
Tuition $37,120 $63,832
Fees $2,130 $2,130
Health Insurance $4,835 $4,835
Disability Insurance $72 $72
Dental $335 $335
Medical Society dues $103 $103
Food $5,000 $5,000
Miscellaneous $5,400 $5,400
Transportation $3,400 $3,400
Books/Supplies $2,125 $2,125
Instruments $700 $700
Rent $9,000 $9,000
Loan Fees               $428 $428
Total $70,647 $97,360

* Single student rate is for outpatient services only. (See section on the Student Health Service.)

School of Medicine Expected Cost of Attendance 2020-21

For Continuing Students (Classes 2022 2023 and 2024)

The Learning Contract is $5,568. Students enrolled for school courses for credit are assessed the full tuition for each semester of enrollment. Students who register late and/or who are delinquent in the valid repayment of bills will be assessed a late registration fee of $50 and/or a late payment fee of $50.

 **  Tuition and fees may be changed at any time without prior notice.

School of Medicine Expected Cost of Attendance 2021-2022

Class of 2022

 Item/Fee In-state out of state  

Tuition

$37,120

$63,832

 

Fees

$2,130

$2,130

 

*Health Insurance

$4,464

$4,464

 

Disability Insurance

$72

$72

 

Dental

$335

$335

 

Medical Society Dues

$35

$35

 

Food

$6,000

$6,000

 

Miscellaneous

$6,480

$6,480

 

Transportation

$4,080

$4,080

 

Books/Supplies

$372

$372

 

USMLE exams

$560

$560

 

CSE Travel

$742

$742

 

Clinical Travel

$700

$700

 

Graduation Fee

$258

$258

 

Parking Fee

$208

$208

 

Rent

$10,800

$10,800

 

Loan Fees

$449

$440

 

Total

$74,805

$101,517

 

* Single student rate is for outpatient services only. (See section on the Student Health Service.) 

Class of 2023 MA Resident Non-MA Resident
Tuition $37,120 $63,832
Fees $2,130 $2,130
Health Insurance $4,464 $4,464
Disability Insurance $72 $72
Dental $335 $335
Medical Society dues $35 $35
Food $6,000 $6,000
CSE exam      $1,200        $1,200
Miscellaneous $6,480 $6,480
Transportation $4,080 $4,080
Books/Supplies $722 $722
Instruments $0 $0
Rent $10,800 $10,800
Total $73,438 $100,150
Class of 2024 MA Resident Non-MA Resident
Tuition $37,120 $63,832
Fees $2,130 $2,130
Health Insurance $4,464 $4,464
Disability Insurance $72 $72
Dental $335 $335
Medical Society dues $35 $35
Food $5,000 $5,000
Miscellaneous $5,265 $5,265
Transportation $3,315 $3,315
Books/Supplies $920 $920
Rent $9,000 $9,000
Total $67,656


$94,368

Tuition and Fees

  T.H. Chan School of Medicine at UMass Chan Medical School
   
  Annual Tuition and Fee Rates (unless indicated otherwise)
  Academic Year 2021-2022
     
  Tuition and fees may be changed at any time without prior notice.
     
MD  Tuition ***  
          In State * $37,120
          Out of State * $63,832
  Extended Program Fee  
          In State ** $7,106
          Out of State ** $7,106
  Equipment Fee $338
  Health/Counseling Fee $874
  Student Services Fee $198
  Assessment Fee $380
  Simulation Fee  $208
  Certification Fee  
          Years 1~4 (charged in fall term of each year) $132
          Extended year (charged in fall term) $85
  Diagnostic Instrument Fee - year 1 (charged in fall term) $700
  Disability Insurance (charged in fall term) $72
  Health Insurance (waivable) (charged in fall term)  
          13-month, 8/1/2021-8/31/2022 (year 1)  $4,834.75
          12-month, 9/1/2021-8/31/2022 (returning) $4,464
  Late Registration Fee (per term, if registering late) $50
  Late Payment Fee (per term, if past due) $50
  Commencement (once, in fall term of graduating year) $258
     
  * $5,568 to be credited against Tuition with signed Learning Contract for AY2021-22.
  ** Charged in lieu of Tuition, after paying eight (8) full terms' tuition.  
  *** Students receiving VA educational benefits are charged In-State rate for Tuition.
     
PhD/MD ^ Tuition ***  
           In State * $37,120
           Out of State * $63,832
  MD/PhD Special Program Fee  
            In state ** $37,120
            Out of state ** $63,832
  Equipment Fee $338
  Health/Counseling Fee $874
  Student Services Fee $198
  Assessment Fee $380
  Simulation Fee (CELS) $208
  Certification Fee  
            Years 1~4 (charged in fall term of each year) $132
  Diagnostic Instrument Fee - year 1 (charged in fall term) $700
  Disability Insurance (charged in fall term) $72
  Health Insurance (waivable) (charged in fall term)  
           14-month, 7/1/2021-8/31/2022 (year 1, July-start)  $5,205.50
           13-month, 8/1/2021-8/31/2022 (year 1, August-start)  $4,834.75
           12-month, 9/1/2021-8/31/2022 (returning) $4,464
  Late Registration Fee (per term, if registering late) $50
  Late Payment Fee (per term, if past due) $50
  Commencement (once, in fall term of graduating year) $258
     
   This tuition & fee structure applies to PhD/MD students-SOM years 1, 2, 3, 4.
 

   During these four years, tuition (net amount) and all fees are paid by GSBS  Office or grants, except for Equipment Fee, Student Service Fee, Late Fees, and Commencement Fee that students pay out-of-pocket.

  * $8,964 to be credited against In-State Tuition, net amount remaining $28,156.
  * $8,964 to be credited against Out-of-State Tuition, net amount remaining $54,868.
  ** 100% to be credited with signed Special Program Fee Promissory Note for AY2021-22
  *** Students receiving VA educational benefits are charged In-State rate for Tuition.
     
HSPP HSPP Course Fee (per unit per term) $112
  Health/Counseling Fee $874
  Student Services Fee $198
  Health Insurance (waivable) (charged in fall term)  
           13-month, 8/1/2021-8/31/2022 $4,834.75
  Late Registration Fee (per term, if registering late) $50
  Late Payment Fee (per term, if past due)  $50
   
   

For All Students at UMMS

Refund Policy

Cease Enrollment

Refunds are calculated when students do not register for the academic term for which they are charged, take an approved leave of absence, or otherwise fail to complete the program on or after the first day of class of the period of enrollment for which charges are assessed.

Students who cease enrollment after 60 percent of the term has elapsed receive no refund and are not required to refund any federal aid received for the term. Students who cease enrollment before 60 percent of the term has elapsed receive a refund for the percentage of the term remaining after the last date of attendance. The percentage is calculated by dividing the number of calendar days elapsed between the beginning of the term and the date the individual ceases enrollment by the number of calendar days in the term. For example, a student who withdraws 57 percent of the way through the first term of enrollment receives a refund of 43 percent of tuition and fees (100 percent minus 57 percent).  If a student received Title IV funds, a “Return of Title IV Funds” calculation will also be performed with the same percentage.  Accordingly, only the prorated amount of financial aid is available to the student.  Additionally, per federal regulations, the student is required to return the unearned percentage of aid received as cash or from a credit balance.  Failure to return unearned Title IV aid may result in ineligibility for future federal aid. 

Allocation of Refunds

A share of the refund will be returned to the financial aid programs that funded students. Refunds and recovered overpayments are allocated to the programs from which an individual received aid in the following order:

  1. Federal Unsubsidized Stafford Loan
  2. Federal Stafford Loan
  3. Other federal student aid programs
  4. Institutional student aid programs
  5. State student aid programs
  6. Private student aid programs
  7. Student

Students must notify the dean of their respective school and the Registrar in writing of their intent to withdraw. Students who withdraw without notifying the dean and Registrar of their status will be considered withdrawn as of the last recorded date of class attendance as documented by the University.

Upon request, the School Bursar will provide examples of the application of this policy. Any withdrawn student who believes his/her individual circumstances warrant exceptions from published policy may make a written appeal to:

Jennifer Robinson, Controller
UMass Chan Medical School
333 South Street
Shrewsbury, MA  01545

This policy is subject to change at any time without prior notice if necessary to comply with federal law.

 

Add/Drop Course

The add/drop refund policy applies to any student charged by the credit hour and not discontinuing as a student from the UMass Medical School.  A full refund will be given for any course dropped within 30 days from the start of the course.

Veterans Information

The University of Massachusetts Medical School is a veteran-friendly institution. We are proud of the brave men and women who served in the armed forces to protect our country. All academic programs at UMMS are approved for Veteran Education Programs and the Registrar’s staff are trained Certifying Officials for veterans education benefits.

The symbol “GI Bill® is a registered trademark of the U.S. Department of Veterans Affairs (VA). More information about education benefits offered by VA is available at the official U.S. government Web site at https://www.benefits.va.gov/gibill."