College Factual  by our College Data Analytics Team
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Can You Afford University of Massachusetts Amherst?

Concerned about paying for college? Take a look at UMass Amherst’s financial aid options, including grants, scholarships, and student loans, then calculate the net price based on your income level to determine if you can afford to attend this school.

Attendance Costs in 2020 - 2021 Varied Between $14,462 & $52,156

Worried about paying the full cost of $52,156 to attend University of Massachusetts Amherst? That number can be deceiving, as the net amount most students will pay varies significantly.

For students living in Massachusetts, the university offers a discount of 54.9% off tuition and fees. Also, 81.7% of freshmen receive some form of financial aid, with the average amount totaling $9,517. Students from low-income families receive an average of $17,706 in aid during their first year.

Cost for Residents of Massachusetts (no aid)

Tuition and fees$16,439
+ Room and board$13,329
+ Other expenses$2,400
Total cost$32,168
Affordability Score (35 out of 100)
more expensive
less expensive

Net Price for Residents of Massachusetts (with average aid)

Total cost$32,168
- Grants and scholarships$9,517
Net price$22,651
Affordability Score (35 out of 100)
more expensive
less expensive

Average Net Price for Low Income Residents of Massachusetts

Total cost$32,168
- Grants and scholarships$17,706
Net price$14,462
Affordability Score (58 out of 100)
more expensive
less expensive

Cost for Non-Residents (no aid)

Tuition and fees$36,427
+ Room and board$13,329
+ Other expenses$2,400
Total cost$52,156
Affordability Score (15 out of 100)
more expensive
less expensive

Net Price for Non-Residents (with average aid)

Total cost$52,156
- Grants and scholarships$9,517
Net price$42,639
Affordability Score (4 out of 100)
more expensive
less expensive

Average Net Price for Low Income Non-Resident Undergraduates

Total cost$52,156
- Grants and scholarships$17,706
Net price$34,450
Affordability Score (6 out of 100)
more expensive
less expensive

Learn more about tuition and fees, room, board and other expenses, and financial aid options at UMass Amherst.

Projected Costs Between $63,442 and $325,317 For a Four Year Degree. Between $30,889 and $157,050 For a Two Year Degree.

It can be a bit scary to look at the total projected cost of a college education over the course of a multi-year degree, however, doing so will help you better understand the financial commitment you are making.

The overall cost for on-campus, in-state students to attend University of Massachusetts Amherst in 2020 - 2021 was $32,168. To calculate future costs, we looked at the prior five years of data and determined that this cost increased an average of 2.7% each year.

If this trend continues, we expect the full cost for incoming freshmen to be $33,955 during their first year. By their senior year, that cost will be approximately $36,823, for a bachelor degree candidate ($34,885 for an associate degree candidate) for a total of $141,505 over the course of four years ($68,840 over the course of two years). These numbers do not take into consideration financial aid, which reduces this overall cost by varying amounts per student.

The cost for out-of-state students is more, with an overall expected four-year cost of $235,573 based on a yearly growth rate of 3.5%. The expected two-year cost is $113,725.

Remember, the full costs quoted above are not what most students will pay, and the net price varies quite a bit based on individual circumstances.

Average Net Price at University of Massachusetts Amherst

Cost With Interest for Residents of Massachusetts

The tables below outlines how the overall degree net cost can vary depending on your situation. This table also highlights the impact student loans can have on the overall cost of college.

Projected 2-Year Net CostsLow Income w/ Aidw/ Average AidNo Aid
Annual growth rate*3.3%2.7%
Freshman year$15,242$24,166$33,955
Senior year$15,647$24,961$34,885
Total 2-year net price$30,889$49,127$68,840
10-year loan interest @ 6.8%$11,767$18,716$26,226
Total monthly payment$355$565$792
Total amount paid$42,656$67,843$95,066
Projected 4-Year Net CostsLow Income w/ Aidw/ Average AidNo Aid
Annual growth rate*3.3%2.7%
Freshman year$15,242$24,166$33,955
Senior year$16,491$26,630$36,823
Total 4-year net price$63,442$101,540$141,505
10-year loan interest @ 6.8%$24,169$38,683$53,908
Total monthly payment$730$1,169$1,628
Total amount paid$87,612$140,223$195,413

Cost With Interest for Out-Of-State Residents

The tables below outlines how the overall degree net cost can vary depending on your situation. This table also highlights the impact student loans can have on the overall cost of college.

Projected 2-Year Net CostsLow Income w/ Aidw/ Average AidNo Aid
Annual growth rate*4.0%3.5%
Freshman year$36,633$46,109$55,882
Senior year$37,776$47,949$57,843
Total 2-year net price$74,409$94,059$113,725
10-year loan interest @ 6.8%$28,347$35,833$43,325
Total monthly payment$856$1,082$1,309
Total amount paid$102,757$129,892$157,050
Projected 4-Year Net CostsLow Income w/ Aidw/ Average AidNo Aid
Annual growth rate*4.0%3.5%
Freshman year$36,633$46,109$55,882
Senior year$40,170$51,852$61,975
Total 4-year net price$153,534$195,773$235,573
10-year loan interest @ 6.8%$58,491$74,582$89,745
Total monthly payment$1,767$2,253$2,711
Total amount paid$212,025$270,355$325,317

Visit net price and financial aid to learn more about the total cost of attending University of Massachusetts Amherst.

Further Questions to Consider

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