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NOTE: The COA is NOT the same as your Account Summary (bill).
Your cost of attendance (COA) is the estimated amount it could cost you to go to school. Here at MSU Denver, we calculate your COA to show your total estimated cost for the school year (Fall & Spring semester).
If you are attending at least half-time (6 credits for undergraduate, 3 credit hours for graduate students), your COA is the estimate of:
INCREASE in Budgets can be made for the following: (Budget Adjustment Forms are available from our “Forms” Section of the Website.)
Your EFC is an index number that college financial aid staff use to determine how much financial aid you would receive if you were to attend their school. The information you report on your FAFSA form is used to calculate your EFC.
The EFC is calculated according to a formula established by law. Your family’s taxed and untaxed income, assets, and benefits (such as unemployment or Social Security) all could be considered in the formula. Also considered are your family size and the number of family members who will attend college or career school during the year. The EFC Formula guide shows exactly how an EFC is calculated.
Your EFC is not the amount of money your family will have to pay for college, nor is it the amount of federal student aid you will receive. It is a number used by your school to calculate how much financial aid you are eligible to receive.
Cost of Attendance (COA) − Expected Family Contribution (EFC) = Financial Need
This is an example of a calculation of need.
*Please note, your individual financial aid package may be different than the example below.
Your Expected Family Contribution (EFC) is determined to be $100 and you are considered a dependent freshman.
Example Budget: $11,465
EFC: $100
Eligibility (Financial Need): $11,365
When you are packaged you will be eligible for a Federal Pell Grant and a Federal Direct Loan. We will award the need-based aid of:
Pell Grant $6,445
Subsidized Loans $3,500
As a dependent freshman you qualify for a total of $5,500 in subsidized and unsubsidized loans. Since, you have already received the $3,500 in subsidized loans, you will be awarded $2,000 in unsubsidized loans.
Example Budget: $17,940
Total Need-based Aid Awarded: $9,945
Unsubsidized Loans: $2,000Total Remaining in Cost of Attendance: $5,995
*If needed, this can be filled with funds from 529 Plan, Federal PLUS Loan (Parents or Graduate Students), or an Alternative Loan.
| BUDGETS FOR THE 2021-2022 ACADEMIC YEAR
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| Type of Student Expense | Amount if you are a Resident and live off-campus
RESAPP |
Amount if you are a Resident and live with family (commute)
RESCOM |
Amount if you are a Non-Resident and live off-campus
NRAPP |
Amount if you are a Non-Resident and live with family (commute)
NRCOM |
| Tuition & Fees | See chart | See chart | See chart | See chart |
| Books & Supplies | See chart below | See chart below | See chart below | See chart below |
| Room & Board | $13,160 | $5,340 | $13,160 | $5,340 |
| Transportation | $1,850 | $1,850 | $1,850 | $1,850 |
| Health Insurance | $2,508 | $2,508 | $2,508 | $2,508 |
| Loan Fees | $72 | $72 | $72 | $72 |
| Miscellaneous * | $1,650 | $1,850 | $1,650 | $1,480 |
| Total | $19,240+ Tuition & Fees + Books Based on Enrollment |
$11,620 + Tuition & Fees + Books Based on Enrollment | $19,240 + Tuition and Fees + Books Based on Enrollment | $11,250 + Tuition and Fees Based on Enrollment |
| * Miscellaneous costs include such expenses as clothing, laundry, medical, dental, and recreation. These expenses may vary depending on the individual student’s lifestyle. | ||||
| BOOKS AND SUPPLIES (per Semester) BASED ON ENROLLMENT LEVELS FOR 2021-2022 ACADEMIC YEAR
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| Tuition and Fees for Enrollment Levels per term | Amount if you are a Resident and live off-campus
RESAPP |
Amount if you are a Resident and live with family (commute)
RESCOM |
Amount if you are a Non-Resident and live off-campus
NRAPP |
Amount if you are a Non-Resident and live with family (commute)
NRCOM |
| Full Time (12+ credits) | $1,460 | $1,460 | $1,460 | $1,460 |
| Half Time (6-11 Credits) | $730 | $730 | $730 | $730 |
| Less than Half Time (1-5 Credits) | $243 | $243 | $243 | $243 |
The Office of Financial Aid will attempt to meet each student’s need, but cannot guarantee that each student’s need will be met.