Tuition and Financial Information

For the School of Medicine

Average Financial Debt on Graduation

Class of 2017 graduates average indebtedness $117,488

Percentage of 2017 graduateswith medical school debt: 88

 

Default and Loan Repayment Rates

FY 2013 Official 3 Year Cohort Default Rate:  1.1 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 2016-2017

 For Students Entering Fall 2016

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 2017-2018

 

Class of 2020 MA Resident Non-MA Resident
Tuition $34,600 $59,400
Student Support Fee $195 $195
Equipment Fee $325 $325
Health Fee $737 $737
Assessment Fee $600 $600
Simulation Fee $200 $200
Health Insurance $4,207 $4,207
Disability Insurance $72 $72
Dental $250 $250
Medical Society dues $103 $103
Food $4,939 $4,939
Miscellaneous $5,462 $5,462
Transportation $3,272 $3,272
Books/Supplies $3,073 $3,073
Instruments $720 $720
Rent $8,970 $8,970
Total $67,725 $92,525

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

 

School of Medicine Expected Cost of Attendance 2017-2018

 For Continuing Students (Classes 2018, 2019 and 2020)

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 2016-2017

 

 Item/FeeClass of 2020Class of 2019Class of 2018

Tuition

$34,600

$34,600

$28,426

Student Support Fee

$195

$195

$195

Equipment Fee

$325

$325

$325

Health Fee

$737

$737

$737

Assessment Fee

$600

$600

$600

Simulation Fee

$200

$200

$200

*Health Insurance

$4,207

$4,207

$4,207

Disability Insurance

$72

$72

$72

Dental

$325

$325

$325

Medical Society Dues

$35

$35

$35

Food

$4,686

$6,206

$6,712

Miscellaneous

$5,182

$6,863

$7,423

Transportation

$3,104

$4,110

$4,446

Books/Supplies

$920

$722

$372

USMLE exams

$560

$0

$560

CSE exam

$0

$1200

$0

CSE Travel

$0

$0

$742

Clinical Travel

$0

$700

$700

Graduation Fee

$0

$0

$252

Parking Fee

$208

$208

$208

Rent

$8,510

$11,270

$12,190

Loan Fees

$449

$471

$449

Total

$64,915

$73,046

$69,176

 

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

 

Tuition and Fees

  University of  Massachusetts Medical School
  School of Medicine
  Annual Tuition and Fee Rates (unless indicated otherwise)
  Academic Year 2017-2018
     
  Tuition and fees may be changed at any time without prior notice.
     
MD  Tuition   
          In State - Class of '19 & forward (years 1,2,3)* $34,600
          In State - Class of '18 (year 4) * $28,426
          Out of State * $59,400
  Assessment Fee $600
  Equipment Fee $325
  Health/Counseling Fee $758
  Simulation Fee  $200
  Student Services Fee $195
  Extended Program Fee ** $22,990
  Disability Insurance (charged in fall term) $72
  Health Insurance (waivable) (charged in fall term)  
          13-month, 8/1/2017-8/31/2018 (year 1 students)  $4,557
          12-month, 9/1/2017-8/31/2018 (returning students) $4,207
  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) $252
     
* $5,568 to be credited against Tuition with signed Learning Contract for the year.
** Charged in lieu of Tuition, after paying eight (8) full semesters' tuition.  
     
     
MD/PhD ^ Tuition   
             SOM years 1, 2, 3 * $34,600
             SOM year 4 ** $28,426
             Out of State - SOM years 1, 2 $59,400
  MD/PhD Special Program Fee ***  
             In state $34,600
             Out of state - SOM years 1, 2 $59,400
             Out of state - SOM year 3+ $59,400
  Assessment Fee $600
  Equipment Fee $325
  Health/Counseling Fee $758
  Simulation Fee (CELS) $200
  Student Services Fee $195
  Disability Insurance (charged in fall term) $72
  Health Insurance (waivable) (charged in fall term)  
           14-month, 7/1/2017-8/31/2018 (year 1 July-start students)  $4,906
           13-month, 8/1/2017-8/31/2018 (year 1 August-start students)  $4,557
           12-month, 9/1/2017-8/31/2018 (returning students) $4,207
  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) $252
     
* $8,352 to be credited against Tuition (tuition waiver amount as in prior years), net amount remaining $26,248.
** $8,352 to be credited against Tuition (tuition waiver amount as in prior years), net amount remaining $20,074.
*** 100 percent to be credited with signed promissory note for the year.  
     
^ This tuition & fee structure applies to MD/PhD students at SOM years 1, 2, 3, &4.
  Tuition (net amount) and fees are paid by GSBS, except for Equipment Fee, Student Service Fee, Late Fees, and Commencement Fee that students pay out-of-pocket.

For All Students at UMMS

Financial Aid

For Current and Admitted Students Only. Please select either Federal Student Loan only or Institutional Application and follow the appropriate instructions.

Federal Student Loan Only Applicants

Institutional Aid Applicants

Deadline for Institutional Aid is:

School of Medicine : April 1, 2017 or four weeks after acceptance if accepted after March 1, 2017 
GSN/GSBS: May 2, 2017 or four weeks after acceptance if accepted after April 2, 2017

Supplemental Forms (only submit to the FAO if requested to do so):

Waiver / Appeal / Change Forms:

Application Process for Academic Year 2016-17

Please contact the Office of Financial Aid for application materials for AY 2016-2017

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. Federal Perkins Loan
  4. Other federal student aid programs
  5. Institutional student aid programs
  6. State student aid programs
  7. Private student aid programs
  8. Student

Students must notify the dean of the respective graduate 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 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:

Sandra Flynn, Controller
University of Massachusetts 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.