Cost of Attendance

Cost of Attendance is used in part to help determine a student's financial aid eligibility and to estimate costs associated with attending college. It is not meant to be the exact costs every student will pay, but a standard estimate that is used for all categories of students for financial aid purposes. Some costs are Direct Costs, meaning they are charged to a student as part of your bill through the University. Other costs are indirect costs, meaning a student would not be billed for them — but they are costs to consider when evaluating what is needed to attend for a given period of time. Your financial aid in total from all sources (institutional, state, federal, and outside sources) cannot exceed your Cost of Attendance. See our FA Policy page for more information on institutional policy on reduction of aid in these cases.

Your costs may vary based on your individual decisions or circumstances. Information below is provided assuming:

Cost estimates are based on expected enrollment as listed on each program Cost of Attendance
Fall and Spring attendance for Traditional UG student programs and Fall, Spring, Summer attendance for most Adult Studies and Graduate/Professional programs
Buster Book Bundle: The Bulldog Depot, the university bookstore, currently offers the Buster Book Bundle that allows you to obtain your books at a rate of $25 per credit hour. This rate has been used for many of the estimates that appear in these Cost of Attendance projections. Your costs could differ depending on how you purchase your books.

Traditional UG Tuition & Fees UG Net Price Calculator Additional Components to Consider

2025-26 Traditional Undergraduate Cost of Attendance

Living On-Campus Living Off-Campus Living with Parents

COA for Traditional On-Campus Undergraduate Students during 2025-2026
Direct Costs (these are the costs that would be part of your student bill as an on-campus student)
Tuition	$39,990	12-16 hours per semester as a block rate
Mandatory Fees	$1,480	This does not include a one-time $175 Orientation fee for first-time Union students.
Housing	$10,200	This is an average of on-campus cost for Heritage and the Quads; your costs could differ depending on your housing option.
Food/Meals	$6,400	This is the 285 meal-plan; your costs could differ depending on your meal-plan selection.
Total Direct Costs	$58,070	This is prior to any applied financial aid — but GREAT news, financial aid is available!

Indirect Costs (these are costs you may incur in attending college but are not billed to you by the university)
Books, Course Materials, Supplies, and Equipment	$750	This is an estimate using the Buster Book Bundle; your costs could differ depending on how you purchase your books
Transportation	$2,040	This is an estimate for transportation fees you may incur over the year for items such as traveling to class or trips home; your costs could vary greatly depending on your situation.
Loan Fees	$130	This is an estimate for the average cost of Federal student loan fees such as origination fees; your costs could vary based on your decisions to borrow, contact SFP for more information.
Personal Expenses	$6,490	This is an estimate of costs for day-to-day expenses you may have over the next academic year. Your costs could vary greatly based on your situation and financial decisions.
Total Indirect Costs	$9,410

Total COA	$67,480	Total allowable Cost of Attendance for on-campus, traditional undergraduate students (prior to application of any financial aid eligibility)

COA for Traditional Off-Campus Undergraduate Students during 2025-2026
Direct Costs (these are the costs that would be part of your student bill as an off-campus student)
Tuition	$39,990	12-16 hours per semester as a block rate
Mandatory Fees	$1,480	This includes an allowance for an estimate of course fees over the academic year. This does not include a one-time $175 Orientation fee for first-time Union students.
Total Direct Costs	$41,470	This is prior to any applied financial aid — but GREAT news, financial aid is available!

Indirect Costs (these are costs you may incur in attending college but are not billed to you by the university)
Housing	$7,010	This is a standard allowance for the cost of off-campus rent or other housing costs over the course of the academic year. Your actual costs may vary.
Food/Meals	$3,004	This is an allowance for off-campus food/meals over the course of the academic year. Your actual costs may vary.
Books, Course Materials, Supplies, and Equipment	$750	This is an estimate using the Buster Book Bundle; your costs could differ depending on how you purchase your books.
Transportation	$2,040	This is an estimate for transportation fees you may incur over the year for items such as traveling to class or trips home; your costs could vary greatly depending on your situation.
Loan Fees	$130	This is an estimate for the average cost of Federal student loan fees such as origination fees; your costs could vary based on your decisions to borrow, contact SFP for more information.
Personal Expenses	$6,490	This is an estimate of costs for day-to-day expenses you may have over the next academic year. Your costs could vary greatly based on your situation and financial decisions.
Total Indirect Costs	$19,424

Total COA	$60,894	Total allowable Cost of Attendance for off-campus, traditional undergraduate students (prior to application of any financial aid eligibility)

COA for Traditional Undergraduate Students living with parents during 2025-2026
Direct Costs (these are the costs that would be part of your student bill as an off-campus student)
Tuition	$39,990	12-16 hours per semester as a block rate
Mandatory Fees	$1,480	This includes an allowance for an estimate of course fees over the academic year. This does not include a one-time $175 Orientation fee for first-time Union students.
Total Direct Costs	$41,470	This is prior to any applied financial aid — but GREAT news, financial aid is available!

Indirect Costs (these are costs you may incur in attending college but are not billed to you by the university)
Housing	$3,505	This is a standard allowance for the cost of housing over the course of the academic year. Your actual costs may vary.
Food/Meals	$3,004	This is an allowance for off-campus food/meals over the course of the academic year. Your actual costs may vary.
Books, Course Materials, Supplies, and Equipment	$750	This is an estimate using the Buster Book Bundle; your costs could differ depending on how you purchase your books
Transportation	$2,040	This is an estimate for transportation fees you may incur over the year for items such as traveling to class or trips home; your costs could vary greatly depending on your situation.
Loan Fees	$130	This is an estimate for the average cost of Federal student loan fees such as origination fees; your costs could vary based on your decisions to borrow, contact SFP for more information.
Personal Expenses	$6,490	This is an estimate of costs for day-to-day expenses you may have over the next academic year. Your costs could vary greatly based on your situation and financial decisions.
Total Indirect Costs	$15,919

Total COA	$57,389	Total allowable Cost of Attendance for traditional undergraduate students living with parents (prior to application of any financial aid eligibility)

2024-25 Traditional Undergraduate Cost of Attendance

Living On-Campus Living Off-Campus Living with Parents

COA for Traditional On-Campus Undergraduate Students during 2024-2025
Direct Costs (these are the costs that would be part of your student bill as an on-campus student)
Tuition	$38,500	12-16 hours per semester as a block rate
Mandatory Fees	$1,525	This includes a one-time $175 Orientation fee for first-time Union students.
Housing	$9,300	This is an average of on-campus cost for Heritage and the Quads; your costs could differ depending on your housing option.
Food/Meals	$3,480	This is the 140 meal-plan; your costs could differ depending on your meal-plan selection.
Total Direct Costs	$52,805	This is prior to any applied financial aid — but GREAT news, financial aid is available!

Indirect Costs (these are costs you may incur in attending college but are not billed to you by the university)
Books, Course Materials, Supplies, and Equipment	$750	This is an estimate using the Buster Book Bundle; your costs could differ depending on how you purchase your books
Transportation	$1,592	This is an estimate for transportation fees you may incur over the year for items such as traveling to class or trips home; your costs could vary greatly depending on your situation.
Loan Fees	$120	This is an estimate for the average cost of Federal student loan fees such as origination fees; your costs could vary based on your decisions to borrow, contact SFP for more information.
Personal Expenses	$2,984	This is an estimate of costs for day-to-day expenses you may have over the next academic year. Your costs could vary greatly based on your situation and financial decisions.
Total Indirect Costs	$5,446

Total COA	$58,251	Total allowable Cost of Attendance for on-campus, traditional undergraduate students (prior to application of any financial aid eligibility)

COA for Traditional Off-Campus Undergraduate Students during 2024-2025
Direct Costs (these are the costs that would be part of your student bill as an off-campus student)
Tuition	$38,500	12-16 hours per semester as a block rate
Mandatory Fees	$1,525	This includes an allowance for an estimate of course fees over the academic year.
Total Direct Costs	$40,025	This is prior to any applied financial aid — but GREAT news, financial aid is available!

Indirect Costs (these are costs you may incur in attending college but are not billed to you by the university)
Housing	$5,330	This is a standard allowance for the cost of off-campus rent or other housing costs over the course of the academic year. Your actual costs may vary.
Food/Meals	$3,874	This is an allowance for off-campus food/meals over the course of the academic year. Your actual costs may vary.
Books, Course Materials, Supplies, and Equipment	$750	This is an estimate using the Buster Book Bundle; your costs could differ depending on how you purchase your books.
Transportation	$1,772	This is an estimate for transportation fees you may incur over the year for items such as traveling to class or trips home; your costs could vary greatly depending on your situation.
Loan Fees	$120	This is an estimate for the average cost of Federal student loan fees such as origination fees; your costs could vary based on your decisions to borrow, contact SFP for more information.
Personal Expenses	$2,984	This is an estimate of costs for day-to-day expenses you may have over the next academic year. Your costs could vary greatly based on your situation and financial decisions.
Total Indirect Costs	$14,830

Total COA	$54,855	Total allowable Cost of Attendance for off-campus, traditional undergraduate students (prior to application of any financial aid eligibility)

COA for Traditional Undergraduate Students living with parents during 2024-2025
Direct Costs (these are the costs that would be part of your student bill as an off-campus student)
Tuition	$38,500	12-16 hours per semester as a block rate
Mandatory Fees	$1,525	This includes an allowance for an estimate of course fees over the academic year. This also includes a one-time $175 Orientation fee for first-time Union students.
Total Direct Costs	$40,025	This is prior to any applied financial aid — but GREAT news, financial aid is available!

Indirect Costs (these are costs you may incur in attending college but are not billed to you by the university)
Housing	$2,666	This is a standard allowance for the cost of housing over the course of the academic year. Your actual costs may vary.
Food/Meals	$3,874	This is an allowance for off-campus food/meals over the course of the academic year. Your actual costs may vary.
Books, Course Materials, Supplies, and Equipment	$750	This is an estimate using the Buster Book Bundle; your costs could differ depending on how you purchase your books
Transportation	$1,772	This is an estimate for transportation fees you may incur over the year for items such as traveling to class or trips home; your costs could vary greatly depending on your situation.
Loan Fees	$120	This is an estimate for the average cost of Federal student loan fees such as origination fees; your costs could vary based on your decisions to borrow, contact SFP for more information.
Personal Expenses	$2,984	This is an estimate of costs for day-to-day expenses you may have over the next academic year. Your costs could vary greatly based on your situation and financial decisions.
Total Indirect Costs	$12,166

Total COA	$52,191	Total allowable Cost of Attendance for traditional undergraduate students living with parents (prior to application of any financial aid eligibility)

Adult Studies and Graduate/Professional programs

Biology Business EDGE Education MCUTS Music Nursing Pharmacy SOAPS Social Work Theology & Missions

For more information on Adult Studies or Graduate/Professional programs, including tuition rates and other financial information, please visit:

Adult Studies Graduate EDGE

Student Financial Aid