Financial Aid Cost of Attendance
The financial aid Cost of Attendance (COA) is an estimate of what it might cost a typical student to attend UToledo full-time for both the fall and spring semesters. If you enroll in a summer semester and request aid, a summer COA will be added. The COA includes estimates for tuition and fees; living expenses (housing and food); books, course materials, supplies and equipment; transportation; and miscellaneous personal expenses. Additional costs may be added to your COA for federal student loan fees; study abroad expenses; cooperative education (co-op) costs; disability-related expenses; dependent care; and professional licensure, certification or a first professional credential as it pertains to your program. Use Rocket Solution Central’s (RSC) contact information below to obtain more information about requesting an increase to your COA for these additional costs.
These estimates do not reflect the actual amount of money you will owe UToledo. You will receive a bill from the Office of the Treasurer showing your actual UToledo charges. Visit the Treasurer’s website for more information.
Your COA is an estimate based on average student expenses. Students may find that their own costs vary depending on their living arrangements and personal spending choices. Keep in mind that some of these expenses—such as personal, transportation, housing and food--may not come all at once and will spread throughout a semester. It is important to calculate what your own costs will be so you can budget your finances and manage your money accordingly.
All amounts listed below are subject to change. Final tuition and fee amounts are approved annually, typically at the UToledo Board of Trustees meeting held in June. 2025-2026 COA estimates will be posted here when available.
Undergraduate students
2024-25 Cohort
| Estimated Costs* | On Campus | Off Campus | With Parent/Relative |
|---|---|---|---|
| Tuition | $10,593 | $10,593 | $10,593 |
| General Fee | $1,566 | $1,566 | $1,566 |
| Miscellaneous Fees | $770 | $770 | $770 |
| Living Expenses (Housing & Food) | $14,830 | $11,711 | $3,280 |
| Books, Course Materials, Supplies & Equipment | $1,290 | $1,290 | $1,290 |
| Personal Expenses | $2,974 | $2,974 | $2,974 |
| Transportation Expenses | $853 | $2,260 | $2,260 |
| In State Total | $32,976 | $31,164 | $22,733 |
| Out of State (OOS) Surcharge** | $9,360 | $9,360 | $9,360 |
| Out of State Total | $42,236 | $40,524 | $32,093 |
| Additional Fees that may be added to COA Budget: | |||
| ***Direct Loan Origination Fee | $80 | $80 | $80 |
| ***Parent Plus Loan Origination Fee | $604 | $604 | $604 |
*Actual costs may vary depending on living arrangements. Only on-campus students will be billed for housing directly by UToledo.
**Some students may have a different Out of State charge, see Treasurer’s webpage for more details.
***Federal student loan origination fees are added to COA budget once a student accepts and/or is approved for a federal student loan
2023-24 Cohort
| Estimated Costs* | On Campus | Off Campus | With Parent/Relative |
|---|---|---|---|
| Tuition | $10,284 | $10,284 | $10,284 |
| General Fee | $1,520 | $1,520 | $1,520 |
| Miscellaneous Fees | $750 | $750 | $750 |
| Living Expenses (Housing & Food) | $14,830 | $11,711 | $3,280 |
| Books, Course Materials, Supplies & Equipment | $1,290 | $1,290 | $1,290 |
| Personal Expenses | $2,974 | $2,974 | $2,974 |
| Transportation Expenses | $853 | $2,260 | $2,260 |
| In State Total | $32,501 | $30,789 | $22,358 |
| Out of State (OOS) Surcharge** | $9,360 | $9,360 | $9,360 |
| Out of State Total | $41,861 | $40,149 | $31,718 |
| Additional Fees that may be added to COA Budget: | |||
| ***Direct Loan Origination Fee | $80 | $80 | $80 |
| ***Parent Plus Loan Origination Fee | $604 | $604 | $604 |
*Actual costs may vary depending on living arrangements. Only on-campus students will be billed for housing directly by UToledo.
**Some students may have a different Out of State charge, see Treasurer’s webpage for more details.
***Federal student loan origination fees are added to COA budget once a student accepts and/or is approved for a federal student loan
2022-23 Cohort
| Estimated Costs* | On Campus | Off Campus | With Parent/Relative |
|---|---|---|---|
| Tuition | $9,985 | $9,985 | $9,985 |
| General Fee | $1,476 | $1,476 | $1,476 |
| Miscellaneous Fees | $1,118 | $1,118 | $1,118 |
| Living Expenses (Housing & Food) | $14,830 | $11,711 | $3,280 |
| Books, Course Materials, Supplies & Equipment | $1,290 | $1,290 | $1,290 |
| Personal Expenses | $2,974 | $2,974 | $2,974 |
| Transportation Expenses | $853 | $2,260 | $2,260 |
| In State Total | $32,526 | $30,814 | $22,383 |
| Out of State (OOS) Surcharge** | $9,360 | $9,360 | $9,360 |
| Out of State Total | $41,886 | $40,174 | $31,743 |
| Additional Fees that may be added to COA Budget: | |||
| ***Direct Loan Origination Fee | $80 | $80 | $80 |
| ***Parent Plus Loan Origination Fee | $604 | $604 | $604 |
*Actual costs may vary depending on living arrangements. Only on-campus students will be billed for housing directly by UToledo.
**Some students may have a different Out of State charge, see Treasurer’s webpage for more details.
***Federal student loan origination fees are added to COA budget once a student accepts and/or is approved for a federal student loan
2021-22 Cohort
| Estimated Costs* | On Campus | Off Campus | With Parent/Relative |
|---|---|---|---|
| Tuition | $9,546 | $9,546 | $9,546 |
| General Fee | $1,411 | $1,411 | $1,411 |
| Miscellaneous Fees | $1,108 | $1,108 | $1,108 |
| Living Expenses (Housing & Food) | $14,830 | $11,711 | $3,280 |
| Books, Course Materials, Supplies & Equipment | $1,290 | $1,290 | $1,290 |
| Personal Expenses | $2,974 | $2,974 | $2,974 |
| Transportation Expenses | $853 | $2,260 | $2,260 |
| In State Total | $32,012 | $30,300 | $21.869 |
| Out of State (OOS) Surcharge** | $9,360 | $9,360 | $9,360 |
| Out of State Total | $41,372 | $39,660 | $31,229 |
| Additional Fees that may be added to COA Budget: | |||
| ***Direct Loan Origination Fee | $80 | $80 | $80 |
| ***Parent Plus Loan Origination Fee | $604 | $604 | $604 |
*Actual costs may vary depending on living arrangements. Only on-campus students will be billed for housing directly by UToledo.
**Some students may have a different Out of State charge, see Treasurer’s webpage for more details.
***Federal student loan origination fees are added to COA budget once a student accepts and/or is approved for a federal student loan
2020-21 Cohort
| Estimated Costs* | On Campus | Off Campus | With Parent/Relative |
|---|---|---|---|
| Tuition | $9,196 | $9,196 | $9,196 |
| General Fee | $1,360 | $1,360 | $1,360 |
| Miscellaneous Fees | $1,085 | $1,085 | $1,085 |
| Living Expenses (Housing & Food) | $14,830 | $11,711 | $3,280 |
| Books, Course Materials, Supplies & Equipment | $1,290 | $1,290 | $1,290 |
| Personal Expenses | $2,974 | $2,974 | $2,974 |
| Transportation Expenses | $853 | $2,260 | $2,260 |
| In State Total | $31,588 | $29,876 | $21,445 |
| Out of State (OOS) Surcharge** | $9,360 | $9,360 | $9,360 |
| Out of State Total | $40,948 | $39,236 | $30,805 |
| Additional Fees that may be added to COA Budget: | |||
| ***Direct Loan Origination Fee | $80 | $80 | $80 |
| ***Parent Plus Loan Origination Fee | $604 | $604 | $604 |
*Actual costs may vary depending on living arrangements. Only on-campus students will be billed for housing directly by UToledo.
**Some students may have a different Out of State charge, see Treasurer’s webpage for more details.
***Federal student loan origination fees are added to COA budget once a student accepts and/or is approved for a federal student loan
2019-20 Cohort*
| Estimated Costs** | On Campus | Off Campus | With Parent/Relative |
|---|---|---|---|
| Tuition | $8,834 | $8,834 | $8,834 |
| General Fee | $1,306 | $1,306 | $1,306 |
| Miscellaneous Fees | $1,070 | $1,070 | $1,070 |
| Living Expenses (Housing & Food) | $14,830 | $11,711 | $3,280 |
| Books, Course Materials, Supplies & Equipment | $1,290 | $1,290 | $1,290 |
| Personal Expenses | $2,974 | $2,974 | $2,974 |
| Transportation Expenses | $853 | $2,260 | $2,260 |
| In State Total | $31,157 | $29,445 | $21,014 |
| Out of State (OOS) Surcharge | $9,360 | $9,360 | $9,360 |
| Out of State Total | $40,517 | $38,805 | $30,374 |
| Additional Fees that may be added to COA Budget: | |||
| ***Direct Loan Origination Fee | $80 | $80 | $80 |
| ***Parent Plus Loan Origination Fee | $604 | $604 | $604 |
*Actual costs may vary depending on living arrangements. Only on-campus students will be billed for housing directly by UToledo.
**Some students may have a different Out of State charge, see Treasurer’s webpage for more details.
***Federal student loan origination fees are added to COA budget once a student accepts and/or is approved for a federal student loan
2018-19 Cohort*
| Estimated Costs** | On Campus | Off Campus | With Parent/Relative |
|---|---|---|---|
| Tuition | $8,535 | $8,535 | $8,535 |
| General Fee | $1,262 | $1,262 | $1,262 |
| Miscellaneous Fees | $1,055 | $1,055 | $1,055 |
| Living Expenses (Housing & Food) | $14,830 | $11,711 | $3,280 |
| Books, Course Materials, Supplies & Equipment | $1,290 | $1,290 | $1,290 |
| Personal Expenses | $2,974 | $2,974 | $2,974 |
| Transportation Expenses | $853 | $2,260 | $2,260 |
| In State Total | $30,800 | $29,088 | $20,657 |
| Out of State (OOS) Surcharge | $9,360 | $9,360 | $9,360 |
| Out of State Total | $40,160 | $38,448 | $30,017 |
| Additional Fees that may be added to COA Budget: | |||
| ***Direct Loan Origination Fee | $80 | $80 | $80 |
| ***Parent Plus Loan Origination Fee | $604 | $604 | $604 |
*Actual costs may vary depending on living arrangements. Only on-campus students will be billed for housing directly by UToledo.
**Some students may have a different Out of State charge, see Treasurer’s webpage for more details.
***Federal student loan origination fees are added to COA budget once a student accepts and/or is approved for a federal student loan
Non-Guarantee Cohort
| Estimated Costs* | On Campus | Off Campus | With Parent/Relative |
|---|---|---|---|
| Tuition | $8,715 | $8,715 | $8,715 |
| General Fee | $1,288 | $1,288 | $1,288 |
| Miscellaneous Fees | $1,016 | $1,016 | $1,016 |
| Living Expenses (Housing & Food) | $14,830 | $11,711 | $3,280 |
| Books, Course Materials, Supplies & Equipment | $1,290 | $1,290 | $1,290 |
| Personal Expenses | $2,974 | $2,974 | $2,974 |
| Transportation Expenses | $853 | $2,260 | $2,260 |
| In State Total | $30,966 | $29,254 | $20,823 |
| Out of State (OOS) Surcharge** | $9,360 | $9,360 | $9,360 |
| Out of State Total | $40,326 | $38,614 | $30,183 |
| Additional Fees that may be added to COA Budget: | |||
| ***Direct Loan Origination Fee | $80 | $80 | $80 |
| ***Parent Plus Loan Origination Fee | $604 | $604 | $604 |
*Actual costs may vary depending on living arrangements. Only on-campus students will be billed for housing directly by UToledo.
**Some students may have a different Out of State charge, see Treasurer’s webpage for more details.
***Federal student loan origination fees are added to COA budget once a student accepts and/or is approved for a federal student loan
Graduate/Professional Students
Graduate Student
| Estimated Costs* | Off Campus | Commuter |
|---|---|---|
| Tuition | $11,854 | $11,854 |
| General Fee | $1,029 | $1,029 |
| Miscellaneous Fees | $690 | $690 |
| Living Expenses (Housing & Food) | $16,102 | $3,280 |
| Books, Course Materials, Supplies & Equipment | $1,290 | $1,290 |
| Personal Expenses | $2,974 | $2,974 |
| Transportation | $2,260 | $2,260 |
| In State Total | $36,199 | $23,377 |
| Out of State (OOS) Surcharge** | $8,947 | $8,947 |
| Out of State Total | $45,146 | $32,324 |
| Additional Fees that may be added to COA Budget: | ||
| ***Direct Loan Origination Fee | $184 | $184 |
| ***Graduate Plus Loan Origination Fee | $878 | $878 |
*Actual costs may vary depending on living arrangements. Only on-campus students will be billed for housing directly by UToledo.
**Some students may have a different Out of State charge, see Treasurer’s webpage for more details.
***Federal student loan origination fees are added to COA budget once a student accepts and/or is approved for a federal student loan
Law
| Estimated Costs* | Off Campus | Commuter |
|---|---|---|
| Tuition | $25,927 | $25,927 |
| General Fee | $1,373 | $1,373 |
| Miscellaneous Fees | $792 | $792 |
| Living Expenses (Housing & Food) | $16,102 | $3,280 |
| Books, Course Materials, Supplies & Equipment | $1,290 | $1,290 |
| Personal Expenses | $2,974 | $2,974 |
| Transportation | $2,260 | $2,260 |
| In State Total | $50,718 | $37,896 |
| Out of State (OOS) Surcharge** | $200 | $200 |
| Out of State Total | $50,918 | $38,096 |
| Additional Fees that may be added to COA Budget: | ||
| ***Direct Loan Origination Fee | $184 | $184 |
| ***Graduate Plus Loan Origination Fee | $878 | $878 |
| ***Graduating L3 Professional Licensure Fee – reviewed once student applies for graduation | $452 | $452 |
*Actual costs may vary depending on living arrangements.
**Federal student loan origination fees are added to COA budget once a student accepts and/or is approved for a federal student loan
***Professional licensure fee is added to the COA for the year in which it is required to be paid
Master of Medical Science (MSBS-MS)
| Estimated Costs* | Off Campus | Commuter |
|---|---|---|
| Tuition | $29,635 | $29,635 |
| General Fee | $1,675 | $1,675 |
| Miscellaneous Fees | $1,624 | $1,624 |
| Living Expenses (Housing & Food) | $16,102 | $3,280 |
| Books, Course Materials, Supplies & Equipment | $1,290 | $1,290 |
| Personal Expenses | $2,974 | $2,974 |
| Transportation | $2,260 | $2,260 |
| In State Total | $55,561 | $42,739 |
| Out of State (OOS) Surcharge** | $28,640 | $28,640 |
| Out of State Total | $84,200 | $71,379 |
| Additional Fees that may be added to COA Budget: | ||
| ***Direct Loan Origination Fee | $184 | $184 |
| ***Graduate Plus Loan Origination Fee | $878 | $878 |
*Actual costs may vary depending on living arrangements.
**Some students may have a different Out of State charge, see Treasurer’s webpage for more details.
***Federal student loan origination fees are added to COA budget once a student accepts and/or is approved for a federal student loan
MD Program
M1 Year - Fall/Spring
| Estimated Costs* | Off Campus | Commuter |
|---|---|---|
| Tuition | $36,560 | $36,560 |
| General Fee | $1,544 | $1,544 |
| Miscellaneous Fees | $118 | $118 |
| MD Program Fee | $1,144 | $1,144 |
| MD Program Lab Fees | $350 | $350 |
| Living Expenses (Housing & Food) | $17,444 | $5,521 |
| Books, Course Materials, Supplies & Equipment | $1,290 | $1,290 |
| Personal Expenses | $3,222 | $3,222 |
| Transportation Expenses | $3,024 | $3,024 |
| In State Total | $64,696 | $52,773 |
| Out of State (OOS) Surcharge** | $34,451 | $34,451 |
| Out of State Total | $99,147 | $87,224 |
| Additional Fees that may be added to COA Budget: | ||
| **Direct Loan Origination Fee | $440 | $440 |
| **Graduate Plus Loan Origination Fee | $1,155 | $1,155 |
*Actual costs may vary depending on living arrangements.
**Federal student loan origination fees are added to COA budget once a student accepts and/or is approved for a federal student loan
M2 Year - ***Summer/Fall/Spring
| Estimated Costs* | Off Campus | Commuter |
|---|---|---|
| Tuition | $44,803 | $44,803 |
| General Fee | $2,290 | $2,290 |
| MD Program Fees | $1,716 | $1,716 |
| MD Lab Fees | $350 | $350 |
| Disability Insurance | $63 | $63 |
| Living Expenses (Housing & Food) | $16,996 | $5,379 |
| Books, Course Materials, Supplies & Equipment | $1,935 | $1,935 |
| USMLE Step 1CS + UWorld Access | $1,389 | $1,389 |
| Personal Expenses | $3,467 | $3,467 |
| Transportation | $2,947 | $2,947 |
| In State Total | $75,628 | $64,011 |
| Out of State (OOS) Surcharge** | $42,217 | $42,217 |
| Out of State Total | $117,845 | $106,228 |
| Additional Fees that may be added to COA Budget: | ||
| **Direct Loan Origination Fee | $440 | $440 |
| **Graduate Plus Loan Origination Fee | $1,155 | $1,155 |
*Actual costs may vary depending on living arrangements.
**Federal student loan origination fees are added to COA budget once a student accepts and/or is approved for a federal student loan
***Summer costs are automatically included for MD students for years 2 – 4.
M3 Year - ***Summer/Fall/Spring
| Estimated Costs* | Off Campus | Commuter |
|---|---|---|
| Tuition | $44,803 | $44,803 |
| General fee | $2,291 | $2,291 |
| MD Program Fees | $1,716 | $1,716 |
| Health Insurance | $2,295 | $2,295 |
| Disability Insurance | $63 | $63 |
| USMLE Step 2 CS | $670 | $670 |
| Living Expenses (Housing & Food) | $22,811 | $7,220 |
| Books, Course Materials, Supplies & Equipment | $1,500 | $1,500 |
| Personal Expenses | $4,213 | $4,213 |
| Transportation | $3,954 | $3,954 |
| Clinical Transportation | $1,879 | $1,879 |
| In State Total | $86,195 | $70,604 |
| Out of State (OOS) Surcharge** | $42,217 | $42,217 |
| Out of State Total | $128,412 | $112,821 |
| Additional Fees that may be added to COA Budget: | ||
| **Direct Loan Origination Fee | $440 | $440 |
| **Graduate Plus Loan Origination Fee | $1,155 | $1,155 |
*Actual costs may vary depending on living arrangements.
**Federal student loan origination fees are added to COA budget once a student accepts and/or is approved for a federal student loan
***Summer costs are automatically included for MD students for years 2 – 4.
M4 Year - ***Summer/Fall/Spring
| Estimated Costs* | Off Campus | Commuter |
|---|---|---|
| Tuition | $44,803 | $44,803 |
| General Fee | $2,290 | $2,290 |
| MD Program fees | $1,716 | $1,716 |
| Health Insurance | $2,295 | $2,295 |
| Disability Insurance | $63 | $63 |
| Living Expenses (Housing & Food) | $22,811 | $7,220 |
| Books, Course Materials, Supplies & Equipment | $1,500 | $1,500 |
| Personal Expenses | $4,213 | $4,213 |
| Transportation | $3,955 | $3,955 |
| Clinical Transportation | $1,879 | $1,879 |
| In State Total | $85,525 | $69,934 |
| Out of State (OOS) Surcharge** | $42,217 | $42,217 |
| Out of State Total | $127,742 | $112,151 |
| Additional Fees that may be added to COA Budget: | ||
| **Direct Loan Origination Fee | $440 | $440 |
| **Graduate Plus Loan Origination Fee | $1,155 | $1,155 |
*Actual costs may vary depending on living arrangements.
**Federal student loan origination fees are added to COA budget once a student accepts and/or is approved for a federal student loan
***Summer costs are automatically included for MD students for years 2 – 4.