UMass Amherst Loans, Tuition, Costs & More

This is the complete guide to UMass Amherst tuition, costs and student loans. If you’re considering University of Massachusetts-Amherst, you’re likely focussed on that huge, glaring sticker price: $N/A.

If you’re still trying to figure out if you can get into the school, try our college chances calculator for UMass Amherst

What are your chances at UMass Amherst?

Your SAT Score
Your ACT Score
Select a score
  • 10
  • 11
  • 12
  • 13
  • 14
  • 15
  • 16
  • 17
  • 18
  • 19
  • 20
  • 21
  • 22
  • 23
  • 24
  • 25
  • 26
  • 27
  • 28
  • 29
  • 30
  • 31
  • 32
  • Your GPA*
    on a 4.0 scale

    *gpa score is required

    This free college chances tool calculates your acceptance chances at UMass Amherst or any other U.S. college

    Please note all chances are estimates based on test score and GPA averages.

    *or select a school above for a specific calculation

    Need chances at another college?

    That expensive sticker price can be extremely misleading and does not usually represent the true cost of UMass Amherst. The reality is that a huge percentage of students who attend UMass Amherst do not pay that number.

    What you are most likely concerned with is what you and your family will pay for University of Massachusetts-Amherst, which is dependent on a range of factors from family income to state residency.

    Before we get started, if you have any doubts about your ability to afford UMass Amherst and are interested in student loans to support your education, the below vendors specifically lend to UMass Amherst students - click any of them to learn more about their rates and requirements.

    Now, let’s break down that scary sticker price first.

    How much is UMass Amherst tuition?

    The stated tuition for out-of-state students at University of Massachusetts-Amherst is $34570 while in-state students pay $15887. The dictionary definition of tuition is the “price of payment for instruction.” That’s an important distinction from the total cost of attending UMass Amherst.

    Essentially, tuition is only what you pay to attend classes at UMass Amherst. The annual charge of $34570 or $15887 often excludes dozens of other miscellaneous expenses, such as housing, textbooks, meals, fees and more. Therefore, the true cost of UMass Amherst is much higher than either of these prices (more on this later).

    At the same time, however, tuition does not take into account factors that can help a student or family afford college, such as scholarships, student loans and grants.

    Therefore, although an important benchmark, the $15887 for University of Massachusetts-Amherst is likely not a good indicator of what you can expect to pay if you attend the school.

    What is the total cost of UMass Amherst?

    If you’re already thinking of this question, you’re one step ahead of us! And you’re on the right track… .The total cost of attending UMass Amherst is $N/A and is much more indicative of how much you will pay over the course of one year to attend the school - with one BIG caveat: total cost excludes financial supports that help reduce the cost of attending school, like scholarships at UMass Amherst.

    Still, if you do not plan on receiving financial aid, student loans and the like then the University of Massachusetts-Amherst cost of attendance is the best indicator to consider.

    What does the total cost of UMass Amherst include?

    The total cost of UMass Amherst includes tuition and other common, material expenses, like textbooks and supplies, room and board, and meal costs, minus the average amount of financial aid and scholarships.

    Importantly, this does not reflect the price you will likely pay based on your income bracket.

    What is the price of room and board at UMass Amherst?

    The cost of rooming and dorms at UMass Amherst is $6862

    The cost of meals at UMass Amherst is $5396.

    UMass Amherst does not fully report room and boarding charges.

    How much is UMass Amherst out of state tuition?

    Out of state tuition for UMass Amherst is $34570.

    How much is University of Massachusetts-Amherst in state tuition?

    In state state tuition for UMass Amherst is $15887.

    How can I afford UMass Amherst?

    You should use a variety of financial tools to offset the cost of UMass Amherst.

    It’s easy to lose track of all the assets at your disposal, but the most common can be categorized into grants, loans, and scholarships.

    At University of Massachusetts-Amherst, 0.2405% of students receive a pell grant. Furthermore, 0.5601% of students borrow federal student loans to help pay for the school.

    If you will use student loans to help pay for UMass Amherst, these providers below all work with UMass Amherst students.

    How much will I pay for UMass Amherst?

    This is the million dollar question - literally! UMass Amherst students pay a variety of prices to attend the institution, as you already know. A very easy way to determine an average price you can expect to pay is by using your average family income and comparing it to the table below.

    For additional insight, try using the University of Massachusetts-Amherst net price calculator.

    Family Annual Income Average Net Price for UMass Amherst
    $0 - 30,000 12520
    $30,001 - 48,000 13829
    $48,001 - 75,000 17473
    $75,001 - 110,000 23176
    $110,001+ 27686

    How much debt will I graduate with from UMass Amherst?

    Beyond the years you plan on spending at University of Massachusetts-Amherst, the financial repercussions of UMass Amherst tuition will stay with you for awhile, especially if you take out loans to finance the education.

    The median debt for students who have completed a degree at UMass Amherst is $23250.0. We can break down this number further by household income and student type (see where you might fit in):

    Family Income and Student Types Median Debt from UMass Amherst
    $0 - 30,000 Family income 19866.0
    $30,001 - 75,000 Family income 21056.0
    $75,000+ Family income 21000.0
    The median debt for Pell students 21500.0
    The median debt for female students 20500.0
    The median debt for male students 20698.0
    The median debt for first-generation students 20862.0

    Is UMass Amherst worth the cost?

    Going to college is an investment, and like all investments, you should look at the ROI of attending University of Massachusetts-Amherst.

    Luckily, we can provide some insightful data to help determine whether or not UMass Amherst is worth the cost by examining what past graduates are earning now.

    The average salary of students who were working six years after graduating from UMass Amherst is $44200 (the median is $41200).

    After 8 years, the average salary for UMass Amherst graduates is $N/A.

    10 years out, the average salary for UMass Amherst graduates is $57700.

    I think it’s particularly interesting to look at the salary 10 years after graduation, and it’s probably more indicative of whether UMass Amherst is worth the cost. The real upside of a college degree is that it puts you on a path where your future salary can increase substantially, and it may be hard to achieve that upside without a college degree.

    For example, after graduating from UMass Amherst you may get a job where the salary is not too much more than you’d make without a college degree, and you may have taken out a lot of loans to get there!

    However, if you stay in that position for 5 or 10 years, you will likely begin doubling and tripling what you’re making.

    The future earnings potential is going to be much higher if you go to UMass Amherst compared to not attending college at all. Therefore, it’s about maximizing that opportunity and reducing the debt needed to get there.

    How do UMass Amherst graduates fare compared to similar schools?

    This is an important question because if you’re considering UMass Amherst, you likely have other options on the table.

    Often times, students enroll in the cheapest university available to them. But, as we know from above, this isn’t the whole story.

    For example, you would pay 5% more for a college if you knew the average salary would also be 10% higher, wouldn’t you?

    There’s a lot of reasons why the average salary for UMass Amherst students would differ from its peer schools. Perhaps the most popular areas of study align with higher or lower paying careers, or the school has a massive and supportive alumni network.

    Here are just a few related schools to UMass Amherst that may be of interest. Click on any one to break down their costs and performance outcomes further.

    How much does UMass Amherst cost per semester?

    Assuming there are two semesters at UMass Amherst and you are an in-state student, you will pay $7943 per semester. If you are out-of-state, you will pay $17285 per semester.

    How much does UMass Amherst cost per year?

    This is effectively the total annual cost of UMass Amherst, which is $N/A. However, you can also add room and board, textbooks, and other fees listed above onto that number to better determine how you will really spend in one year of attendance.

    Is it possible to attend UMass Amherst for free?

    In theory, yes it is possible to attend UMass Amherst for free. If you are a stellar student, you may get a scholarship to cover the entire cost of the education.

    Similarly, if you are a student athlete, you may receive a full scholarship to be on a sports team.

    Unless you are receiving a “full ride” (e.g. full scholarship) to attend UMass Amherst, though, it won’t be free. If you take out loans to finance the school, you may pay very little in the near term but all of that money must still be paid off in the long term.

    If you're trying to get in to UMass Amherst read about the requirements here