Cost of Attendance
The Cost of Attendance is an estimated budget of what a student may spend over the course of the academic year. This estimate is based on local cost of living calculations and surveys of the student body. Financial aid awards cannot exceed the Cost of Attendance.
Undergraduate
Explore the total estimated annual expenses for full-time undergraduate students living on or off campus or with parents/relatives. Please note:
- Tuition, fees and living expenses figures are included
- Transportation figure is taken from the living expense budget data provided by the College Board
- Miscellaneous figure is provided by the IRS
- Loan Fee figure is provided by the Department of Education
- Students who do not have a permanent address within a 25-mile radius of UNCP are required to stay on campus or in an off-campus apartment
The chart below lists estimated annual expenses for a full-time undergraduate living on campus without dependents:
| 2025-2026 | In-State | Out-of-State |
|---|---|---|
| Books & Supplies | $1,000.00 | $1,000.00 |
| Loan Fees | $132.00 | $132.00 |
| Personal/Miscellaneous | $2,114.00 | $2,440.00 |
| Housing | $5,860.00 | $5,860.00 |
| Meals | $6,326.00 | $6,326.00 |
| Tuition | $1,000.00 | $5,000.00 |
| Fees | $2,611.00 | $2,611.00 |
| Transportation | $2,334.00 | $2,426.00 |
| Total | $21,377.00 | $25,795.00 |
The chart below lists estimated annual expenses for a full-time undergraduate living off campus:
| 2025-2026 | In-State | Out-of-State |
|---|---|---|
| Books & Supplies | $1,000.00 | $1,000.00 |
| Loan Fees | $132.00 | $132.00 |
| Personal/Miscellaneous | $2,346.00 | $3,150.00 |
| Housing | $6,752.00 | $5,358.00 |
| Meals | $6,326.00 | $6,326.00 |
| Tuition | $1,000.00 | $5,000.00 |
| Fees | $2,611.00 | $2,611.00 |
| Transportation | $2,674.00 | $2,674.00 |
| Total | $22,841.00 | $26,251.00 |
The chart below lists estimated annual expenses for a full-time undergraduate living with their parent(s) or other relatives:
| 2025-2026 | In-State | Out-of-State |
|---|---|---|
| Books & Supplies | $1,000.00 | $1,000.00 |
| Loan Fees | $132.00 | $132.00 |
| Personal/Miscellaneous | $2,562.00 | $2,562.00 |
| Housing | $3,248.00 | $3,248.00 |
| Meals | $6,326.00 | $6,326.00 |
| Tuition | $1,000.00 | $5,000.00 |
| Fees | $2,611.00 | $2,611.00 |
| Transportation | $2,144.00 | $2,144.00 |
| Total | $19,023.00 | $23,023.00 |
The chart below lists estimated annual expenses for a full-time undergraduate living with dependents:
| 2025-2026 | In-State | Out-of-State |
|---|---|---|
| Books & Supplies | $1,000.00 | $1,000.00 |
| Loan Fees | $132.00 | $132.00 |
| Personal/Miscellaneous | $2,346.00 | $2,346.00 |
| Housing | $6,752.00 | $5,358.00 |
| Meals | $6,326.00 | $6,326.00 |
| Tuition | $1,000.00 | $5,000.00 |
| Fees | $2,611.00 | $2,611.00 |
| Transportation | $2,674.00 | $2,674.00 |
| Total | $22,841.00 | $25,477.00 |
The chart below lists estimated annual expenses for a full-time distance education undergraduate living with their parent(s) or other relatives:
| 2025-2026 | In-State | Out-of-State |
|---|---|---|
| Books & Supplies | $1,000.00 | $1,000.00 |
| Loan Fees | $132.00 | $132.00 |
| Personal/Miscellaneous | $2,562.00 | $2,562.00 |
| Housing | $3,248.00 | $3,248.00 |
| Meals | $6,326.00 | $6,326.00 |
| Tuition | $1,000.00 | $5,000.00 |
| Fees | $2,611.00 | $2,611.00 |
| Transportation | $2,144.00 | $2,144.00 |
| Total | $19,023.00 | $23,023.00 |
The chart below lists estimated annual expenses for a full-time distance education undergraduate living off campus:
| 2025-2026 | In-State | Out-of-State |
|---|---|---|
| Books & Supplies | $1,000.00 | $1,000.00 |
| Loan Fees | $132.00 | $132.00 |
| Personal/Miscellaneous | $2,346.00 | $2,346.00 |
| Housing | $6,752.00 | $5,358.00 |
| Meals | $6,326.00 | $6,326.00 |
| Tuition | $1,000.00 | $5,000.00 |
| Fees | $2,611.00 | $2,611.00 |
| Transportation | $2,674.00 | $2,674.00 |
| Total | $22,841.00 | $25,447.00 |
Graduate
Explore the total estimated annual expenses for full-time graduate students living on or off campus. Please note:
- Tuition, fees and living expenses figures are included
- Transportation figure is taken from the living expense budget data provided by the College Board
- Miscellaneous figure is provided by the IRS
- Loan Fee figure is provided by the Department of Education
The chart below lists estimated annual expenses for full-time graduate students living on campus without a dependent:
| 2025-2026 | In-State | Out-of-State |
|---|---|---|
| Books & Supplies | $1,000.00 | $1,000.00 |
| Loan Fees | $132.00 | $132.00 |
| Personal/Miscellaneous | $3,060.00 | $2,440.00 |
| Housing | $5,860.00 | $5,860.00 |
| Meals | $6,326.00 | $6,326.00 |
| Tuition | $4,280.00 | $17,339.00 |
| Fees | $2,611.00 | $2,611.00 |
| Transportation | $2,334.00 | $2,426.00 |
| Total | $25,603.00 | $38,134.00 |
The chart below lists estimated annual expenses for full-time graduate students living off campus:
| 2025-2026 | In-State | Out-of-State |
|---|---|---|
| Books & Supplies | $1,000.00 | $1,000.00 |
| Loan Fees | $132.00 | $132.00 |
| Personal/Miscellaneous | $4,616.00 | $4,616.00 |
| Housing | $5,092.00 | $5,092.00 |
| Meals | $6,326.00 | $6,326.00 |
| Tuition | $4,280.00 | $17,339.00 |
| Fees | $2,611.00 | $2,611.00 |
| Transportation | $2,194.00 | $2,194.00 |
| Total | $26,251.00 | $39,310.00 |
The chart below lists estimated annual expenses for full-time graduate students living with their parent(s) or other relatives:
| 2025-2026 | In-State | Out-of-State |
|---|---|---|
| Books & Supplies | $1,000.00 | $1,000.00 |
| Loan Fees | $132.00 | $132.00 |
| Personal/Miscellaneous | $4,616.00 | $4,616.00 |
| Housing | $6,108.00 | $6,108.00 |
| Meals | $6,326.00 | $6,326.00 |
| Tuition | $4,280.00 | $17,339.00 |
| Fees | $2,611.00 | $2,611.00 |
| Transportation | $2,192.00 | $2,192.00 |
| Total | $27,265.00 | $40,324.00 |
The chart below lists estimated annual expenses for full-time graduate students living with dependents:
| 2025-2026 | In-State | Out-of-State |
|---|---|---|
| Books & Supplies | $1,000.00 | $1,000.00 |
| Loan Fees | $132.00 | $132.00 |
| Personal/Miscellaneous | $4,616.00 | $4,616.00 |
| Housing | $5,092.00 | $5,092.00 |
| Meals | $6,326.00 | $6,326.00 |
| Tuition | $4,280.00 | $17,339.00 |
| Fees | $2,611.00 | $2,611.00 |
| Transportation | $2,194.00 | $2,194.00 |
| Total | $26,251.00 | $39,310.00 |
The chart below lists estimated annual expenses for full-time distance education graduate students living with their parent(s) or other relatives:
| 2025-2026 | In-State | Out-of-State |
|---|---|---|
| Books & Supplies | $1,000.00 | $1,000.00 |
| Loan Fees | $132.00 | $132.00 |
| Personal/Miscellaneous | $4,616.00 | $4,616.00 |
| Housing | $6,108.00 | $6,108.00 |
| Meals | $6,326.00 | $6,326.00 |
| Tuition | $4,280.00 | $17,339.00 |
| Fees | $2,611.00 | $2,611.00 |
| Transportation | $2,192.00 | $2,192.00 |
| Total | $27,265.00 | $40,324.00 |
The chart below lists estimated annual expenses for full-time distance education graduate students living off campus:
| 2025-2026 | In-State | Out-of-State |
|---|---|---|
| Books & Supplies | $1,000.00 | $1,000.00 |
| Loan Fees | $132.00 | $132.00 |
| Personal/Miscellaneous | $4,616.00 | $4,616.00 |
| Housing | $5,092.00 | $5,092.00 |
| Meals | $6,326.00 | $6,326.00 |
| Tuition | $4,280.00 | $17,339.00 |
| Fees | $2,611.00 | $2,611.00 |
| Transportation | $2,194.00 | $2,194.00 |
| Total | $26,251.00 | $39,310.00 |
The chart below lists estimated annual expenses for full-time distance education online accelerated program graduate students living off campus:
| 2025-2026 | In-State | Out-of-State |
|---|---|---|
| Books & Supplies | $1,000.00 | $1,000.00 |
| Loan Fees | $132.00 | $132.00 |
| Personal/Miscellaneous | $4,616.00 | $4,616.00 |
| Housing | $5,092.00 | $5,092.00 |
| Meals | $6,326.00 | $6,326.00 |
| Tuition | $4,826.00 | $11,070.00 |
| Fees | $678.58 | $678.58 |
| Transportation | $2,194.00 | $2,194.00 |
| Total | $24,864.58 | $31,108.58 |
The chart below lists estimated annual expenses for full-time distance education Master of Science in Occupational Therapy graduate students living off campus:
| 2025-2026 | In-State | Out-of-State |
|---|---|---|
| Books & Supplies | $1,500.00 | $1,500.00 |
| Loan Fees | $132.00 | $132.00 |
| Personal/Miscellaneous | $6,924.00 | $6,924.00 |
| Housing | $7,638.00 | $7,638.00 |
| Meals | $9,489.00 | $9,489.00 |
| Tuition & Fees | $13,337.00 | $32,925.00 |
| Transportation | $3,291.00 | $3,291.00 |
| Total | $42,311.00 | $61,899.00 |
Cost includes Fall/Spring and Summer
The chart below lists estimated annual expenses for full-time distance education Doctor of Nursing Practice graduate students living off campus:
| 2025-2026 | In-State | Out-of-State |
|---|---|---|
| Books & Supplies | $1,000.00 | $1,000.00 |
| Loan Fees | $132.00 | $132.00 |
| Personal/Miscellaneous | $4,616.00 | $4,616.00 |
| Housing | $5,092.00 | $5,092.00 |
| Meals | $6,326.00 | $6,326.00 |
| Tuition | $5,280.00 | $18,339.00 |
| Fees | $678.58 | $678.58 |
| Transportation | $2,194.00 | $2,194.00 |
| Total | $25,318.58 | $38,377.58 |
Understanding Your Cost of Attendance & Student Bill
COA is the estimated total cost of attending college for one academic year. It includes direct costs (billed by the school) and indirect costs (not billed, but part of being a student).
COA Includes:
- Tuition & Fees – Charges billed by the college.
- Living Expenses (Housing and Meals) – On‑campus or estimated off‑campus living costs.
- Books, Supplies and Equipment – Textbooks, course materials and equipment.
- Computer/Equipment Expenses – Computer expenses like paper, ink, etc.
- Loan Fees – Fees that are incurred if a loan is taken out with Department of Education.
- Transportation – Travel to and from campus.
- Personal Expenses – Everyday items like toiletries, laundry, etc.
Important: COA is not your bill. It’s a planning tool used to determine your financial aid eligibility.
Note: If your family or student needs assistance, Financial Aid is ready to support you. We’re here to make sure you have the resources you need.
Your Bill Will Include:
- Tuition
- Mandatory Fees
- Housing (if living on campus)
- Meal Plan (if selected)
Your Bill Will NOT Include:
- Books
- Off‑Campus Housing
- Transportation
- Personal Expenses
- Computer/Equipment Expenses
- Loan Fees
These are still part of your COA, but you won’t see them on your bill.
Example: COA vs. Bill
| Category | Included in COA | On Your Bill |
|---|---|---|
| Tuition & Fees | Y | Y |
| Living Expenses | Y | Y (if on campus) |
| Books & Supplies | Y | N* |
| Transportation | Y | N |
| Personal Expenses | Y | N |
| Computer Expenses | Y | N |
| Loan Fees | Y | N |
*Books are included on bill if student is in inclusive access program.
Tips for Students & Families
- Review your financial aid offer and billing statement separately.
- Budget for indirect costs — they are real expenses even if not billed.
- Set up direct deposit for faster refunds.
- Check your student portal regularly for updates or missing documents.
