Standard Cost of Attendance (COA) – 2017/2018

Budget CategoryPreclinicalPreclinicalClinicalClinicalClinical
Year In ProgramYear 1Year 2Year 3Year 3Year 4
Standard Enrollment Pattern17/FA – 18/SP Term17/FA – 18/SP Term17/FA – 18/SP Term 17/SU Term17/FA – 18/SP Term
Duration10 Months10 Months10 Months2 Months9 Months
Tuition & Fees$47,890$47,890$47,890$0$47,890
Books & Supplies$3,000$3,000$3,000$600$2,700
Room & Board$15,720$15,720$15,720$3,204$14,148
Estimated Loan Fees$1,640$1,640$1,640$328$1,476
Estimated COA$75,940$75,940$77,500$5,982$74,539

*The table reflects the Standard Tuition Rate and the Standard Enrollment Pattern for each year in the Osteopathic Medicine Program. A student who is subject to the Extended Time Tuition Rate or whose expected enrollment differs from the Standard Enrollment Pattern associated with his or her year in the program will have a COA that differs from the Standard COA shown above. Third-year clinical students may elect to enroll during the summer term.

Cost of Attendance Determination

The Cost of Attendance (COA) is an estimate of a student’s educational expenses for a period of enrollment. It is established annually and used to determine a student’s maximum financial aid eligibility for an academic year. In accordance with regulations governing federal student aid programs, a student’s total financial aid package, including loans, may never exceed the COA.

The COA includes a student’s actual school expenses (tuition, fees) and estimates of the cost of required supplies and basic living expenses (housing, food, transportation, health insurance, loan fees, and other miscellaneous personal expenses).

Figures included in the COA are based upon full time enrollment for the whole duration of the corresponding periods and may be adjusted according to a student’s actual dates of enrollment.

The COA is subject to change without notice.

Tuition & Fees

The tuition/fee charges listed are based upon attendance during the 2017-2018 academic year and reflect the Standard Tuition Rate. A student who is subject to the Extended Time Rate

Supplies and Other Expenses

Supplies and other expenses listed are estimates and included for the purpose of determining student eligibility for financial aid.


Expenses Not Covered

Federal regulations state that the student budget must only include education-related expenses. Examples of costs that will not be included in the COA are:

  • Spousal expenses.
  • Moving or relocation expenses.
  • Vehicle purchase or lease.
  • Consumer debt, such as monthly credit card, vehicle, or student loan payments.
Periods of Non-Enrollment

Federal student loans are not available to cover expenses incurred during vacations or summer breaks. They may be borrowed during eligible periods of enrollment only. There are no exceptions to this rule.

Setting and Adhering to a Budget

Establishing and adhering to a budget based upon the standard allowances included in the COA can be a challenge for some. Some expenses, such as tuition and health insurance premiums, are established annually, making planning relatively simple. However, expenditures for monthly living expenses often fluxuate and, if not closely tracked, can cause students to exceed their budget. In order to avoid financial pitfalls, minimize stress, and achieve your goal of becoming a physician, it is imperative that you develop good spending habits and exercise self-discipline by creating and adhering to a lean personal budget.

Students who are receiving financial aid are encouraged to live as inexpensively as possible while enrolled at ACOM. Plan your living expenses carefully, and don’t assume that you need the full amount of the Student Budget. You may be able to live for much less than the available allowances. Itemizing what you actually spend may help you to see where to cut costs. The Federal Student Aid website provides excellent resources to help you calculate your expenses and identify areas in which you may be able reduce your spending. In addition, we encourage you to utilize the many financial management resources available at, such as their Monthly Budget Worksheet.

We have listed a few suggestions for lowering your expenses while in school.

  • Live with roommates in order to reduce the amount you pay in rent.
  • Turn off lights and electronic devices when they are not in use to reduce energy costs.
  • Learn to cook. You can eat healthy, delicious meals at home for a fraction of the price of dining out.
  • Evaluate your wireless plan and eliminate unnecessary options.
  • Shop in bulk, buy generic brands, and take advantage of coupons and store specials.
  • Take advantage of loan deferment options.
  • Walk or bike whenever possible.
  • Plan all of your trips in advance and accomplish as many tasks as possible in a single trip. This will help to minimize your vehicle fuel and maintenance costs.
  • When asked for gift ideas, ask for gift certificates to the places where you often shop.
  • Avoid library fines, speeding tickets, and other needless expenses.
  • Avoid snack and soda machines.
  • Limit your purchases of expensive specialty coffee.
  • Pay with cash or your debit card. Avoid using credit cards whenever possible.

COA Increases

Dependent Children

If you have children or other legal dependents who reside in your household and, as of 12/31/2016, are under twelve years of age, you may be eligible to have an allowance for dependent care added to your COA. The allowance may be used to cover care during periods that include but are not limited to class time, study time, field work, internships, and commuting time. The amount of the allowance will be based on the number and age of eligible dependents and should not exceed reasonable costs in the community for the type of care provided.  Allowances for dependent care are subject to a cap of $10,000 per student per academic year. Requests will be reviewed on a case-by-case basis and are subject to the approval of the Director of Financial Aid.

Major Vehicle Repairs

If your vehicle requires a Major Repair in order to remain operational for the purpose of commuting to and from ACOM, we may be able to increase your COA. For the purpose of this policy, Major Repair is defined as the repair of a vehicle’s engine, transmission, drivetrain, axles, exhaust system or other major component. To be eligible for consideration under this policy, the vehicle must be covered by an auto insurance policy, and the repair cost(s) must be incurred by the student during a period of enrollment at ACOM. Budget increases for the cost of Major Repairs are subject to a cap of $2,500 per academic year. Additional allowances for general vehicle maintenance costs are not permitted. Requests will be reviewed on a case-by-case basis and are subject to the approval of the Director of Financial Aid.

Special Needs

If you have a disability, we may be able to add allowances for related expenses. These expenses include special services, personal assistance, transportation, equipment, and supplies that are reasonably incurred and not provided by other agencies. Students with expenses related to a disability will receive a COA allowance less than or equal to those expenses related to the disability not covered by other assistance. The Department of Rehabilitation Services (DORS) will be contacted to confirm that these expenses cannot be paid by DORS. A signed, itemized statement from the student with attached bills or other documentation is required for the evaluation. If you would like to make such a request, please contact the Office of Financial Aid for more information. Requests will be reviewed on a case-by-case basis and are subject to the approval of the Director of Financial Aid.