Abbott Hall.

Tuition & Costs

What is Cost of Attendance?

Your Cost of Attendance (COA) is a financial aid budget designed to help you plan and manage your expenses while earning your degree at UB.

It is used to determine the maximum amount of financial aid you can receive for a semester or academic year, based on federal and institutional guidelines.

Your actual costs may vary. Financial aid can be used to cover reasonable educational expenses, even if they differ from the estimates.

What’s Included in the COA?

Direct Costs

These are expenses billed directly by UB, such as:

  • Tuition and fees
  • On-campus housing
  • Meal plans

Indirect Costs

These are estimated expenses you may have while attending UB, but are not billed by the university:

  • Off-campus housing and meals
  • Books and supplies
  • Transportation
  • Personal expenses
  • Loan fees

New York State Residents - Cost of Attendance

Non-Residents

Need More Financial Support?

If your actual expenses are higher than UB’s estimated cost of attendance, you may be eligible for a budget increase. These requests are reviewed individually and must meet specific criteria:

  • Expenses must be in your name.
  • Costs must be incurred during the current academic year.
  • You’ll need to complete the Budget Increase Request Form and submit it with supporting documents to the Financial Aid Office before the last day of classes.

For questions or help with the process, contact the Financial Aid Office.

Comparing Offers

Some colleges may advertise generous scholarships, but those offers can be tied to much higher overall costs. It’s important to look beyond the headline numbers and compare the full picture—tuition, fees, housing and the actual out-of-pocket cost after aid. A smaller scholarship at a school with lower overall costs might offer better value in the long run. Take time to review each financial aid offer carefully to understand what your family will really be expected to pay.

The University at Buffalo is committed to transparency regarding college costs. Providing a realistic outlook allows our students to budget appropriately, manage debt and graduate with confidence.