MSU Denver

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How to Calculate Your Financial Need

   Cost of Attendance (COA) − Expected Family Contribution (EFC) = Financial Need

The Cost of Attendance is an estimate of a student’s educational expenses for their period of enrollment. It establishes average costs for different categories of students (i.e. full time vs. part time, in-state tuition vs. out of state tuition, etc) and is the cornerstone for determining a student’s financial need for “need-based” grants, loans, and work-study. It also sets a limit on the total federal aid that a student may receive.

For information on MSU Denver’s Tuition and Fees, please visit the Tuition and Fees website.

Undergraduate Cost of Attendance

Graduate Cost of Attendance

For information on MSU Denver’s Graduate Tuition and Fees, please visit the Tuition and Fees website. Costs vary my program.

Cost Glossary

  • Tuition & Fees: The amount of money that must be paid for classes; amounts may be based on residency status, course level, and instructional method. Other fees may be assessed in addition to tuition. Rates are approved by the MSU Denver Board of Trustees each year, and are usually available in early July.
  • Books & Supplies: The estimated amount for required course materials and books.
  • Room & Meals: The estimated costs for rent, utilities, and meals. Your actual amount may vary based on your personal choices and whether you live at home with a family member or off campus. There are no residence halls on MSU Denver’s campus.
  • Personal Expenses: This is an estimate of costs for clothing, haircuts, entertainment, etc. for the year. Money actually spent on these types of items will vary from student to student. These items will not appear on your MSU Denver’s bill.
  • Transportation Expenses: This is an estimate of the cost of traveling to and from campus or the cost of operating and maintaining a vehicle. With the exception of the transportation fee for RTD (COVID changes may apply such as opt-in or opt-out options provided by Office of Bursar), you will not be billed directly for transportation costs.
  • Loan Fees: There is an origination fee for Federal Direct Subsidized and Unsubsidized student loans, which is taken out of the loan before funds are sent to MSU Denver. These funds help cover the costs associated with the loan servicer companies that manage your student loans. The amount listed is the average fee for students who borrow these loans. Actual fees will depend on the amount you borrow (if any).