Cost of Attendance (COA)
Financial Aid Federal Loan Offer Letter Cost of Attendance (COA) Heading link
The College of Medicine Office of Student Financial Aid (COM OSFA) lists anticipated expenses on your Financial Aid Federal Loan Offer Letter when you complete a FAFSA application. These expenses, referred to as your Cost of Attendance (COA) or budget, reflect costs you may encounter during the 12-month academic year. These costs may include:
Direct Costs Charged by the University
- Tuition
- Fees and Assessment
- Disability Insurance
Visit the UIC Registrar’s Office website for tuition, fees, assessment, and disability insurance rates for the fall/spring/summer semesters.
Estimated Variable Expenses
- Books and Supplies
- Room and Board
- Transportation
- Miscellaneous Personal Expenses
- Step 1 exam cost (second-year aid notification). Click here for current exam costs.
- Step 2 exam cost (third-year aid notification). Click here for current exam costs.
The total COA is not the amount you owe the university for the year. Some items in your COA are estimated indirect variable costs not owed to the university. Please note that an average federal loan fee will be added to your COA for those that borrow a Federal Direct Loan and a Federal Grad Plus Loan. The amount of the loan fee(s) added will depend on the type of loan borrowed.
Financial Aid Notification
Initial Financial Aid Notifications for prospective/new students will be sent in March prior to the start of your M1 year via the student portal. This will include aid for the Fall and Spring Semesters. Summer aid will be added to the Financial Aid Notification in spring of each academic year.
International students should visit the UICOIS – UIC Office of International Services webpage for additional information and resources. Please note that the UICOM Financial Aid office offers no federal loans to international students.
2025-2026 COA for First-Year Students for Fall/Spring/Summer Terms
2025-2026 COA for First-Year Students for Fall/Spring/Summer Terms Heading link
| COA Components | Chicago | Peoria & Rockford |
|---|---|---|
| Tuition-Resident | $48,450 | $48,450 |
| Tuition-Nonresident | $82,350 | $82,350 |
| Mandatory Fees | $6,095 | $6,095 |
| Housing & Food Off-Campus*** | $24,000 | $20,400 |
| Housing & Food On-Campus*** | $24,000 | N/A |
| Books and Supplies | $2,100 | $2,100 |
| Personal Expenses | $4,800 | $4,800 |
| Transportation | $2,150 | $2,150 |
| Graduate PLUS Loan Fees | $1,200 | $1,200 |
| Stafford Loan Fees | $400 | $400 |
| Resident Off-Campus Total: | $89,195 | $85,595 |
| Resident On-Campus Total: | $89,195 | N/A |
| Non-Resident Off-Campus Total: | $123,095 | $119,495 |
| Non-Resident On-Campus Total: | $123,095 | N/A |
2025-2026 Projected Medicine Cost of Attendance (COA) Heading link
* Tuition and Fees are subject to change each year pending approval by the University Board of Trustees.
** Summer 2026 fees have not yet been finalized. The amounts below reflect the Summer 2025 rates.
*** Housing & Food Monthly Breakdown:
– Chicago Off-Campus: $2,000/month ($1,500 room, $500 food).
– Chicago On-Campus: $2,000/month ($1,500 room, $500 food).
– Peoria & Rockford: $1,700/month ($1,200 room, $500 food).
International Students are NOT eligible for Federal Students Loans.
2025-2026
2025- 2026 Chicago On-Campus M1 - M4 Year Estimates |
||||
|---|---|---|---|---|
| Tuition & Fees* Only | In-State | $200,617 | Non-Resident | $324,917 |
| Overall Cost of Attendance | In-State | $333,727 | Non-Resident | $458,027 |
M1 | Fall 2025 & Spring 2026 | Summer 2026** (Estimate) | ||
| In-State | Non-Resident | In-State | Non-Resident | |
| Tuition* | $32,300 | $54,900 | $16,150 | $27,450 |
| Fees* | $4,682 | $4,682 | $1,413 | $1,413 |
| Books & Supplies | $1,400 | $1,400 | $700 | $700 |
| Housing & Food*** | $18,000 | $18,000 | $6,000 | $6,000 |
| Transportation | $1,700 | $1,700 | $450 | $450 |
| Personal Expenses | $3,600 | $3,600 | $1,200 | $1,200 |
| Stafford Loan Fees | $400 | $400 | N/A | N/A |
| Graduate PLUS Loan Fees | $1,200 | $1,200 | N/A | N/A |
| Totals* | $63,282 | $85,882 | $25,913 | $37,213 |
| M1 Annual Total | ||||
| Fall/Spring/Summer Totals* | In-State | $89,195 | Non-Resident | $123,095 |
M2 | Fall 2026 & Spring 2027* (Estimate) | Summer 2027** (Estimate) | ||
| In-State | Non-Resident | In-State | Non-Resident | |
| Tuition* | $32,300 | $54,900 | $16,150 | $27,450 |
| Fees* | $4,682 | $4,682 | $1,413 | $1,413 |
| Books & Supplies | $1,400 | $1,400 | $700 | $700 |
| Step 1 Board | $680 | $680 | $0 | $0 |
| Housing & Food*** | $18,000 | $18,000 | $6,000 | $6,000 |
| Transportation | $1,700 | $1,700 | $450 | $450 |
| Personal Expenses | $3,600 | $3,600 | $1,200 | $1,200 |
| Stafford Loan Fees | $400 | $400 | N/A | N/A |
| Graduate PLUS Loan Fees | $1,200 | $1,200 | N/A | N/A |
| Totals* | $63,962 | $86,562 | $25,913 | $37,213 |
| M2 Annual Total | ||||
| Fall/Spring/Summer Totals* | In-State | $89,875 | Non-Resident | $123,775 |
M3 | Fall 2027 & Spring 2028* (Estimate) | Summer 2028** (Estimate) | ||
| In-State | Non-Resident | In-State | Non-Resident | |
| Tuition* | $32,300 | $54,900 | $16,150 | $27,450 |
| Fees* | $4,682 | $4,682 | $1,413 | $1,413 |
| Books & Supplies | $1,400 | $1,400 | $700 | $700 |
| USMLE Step 2 | $680 | $680 | $0 | $0 |
| Housing & Food*** | $18,000 | $18,000 | $6,000 | $6,000 |
| Transportation | $1,700 | $1,700 | $450 | $450 |
| Personal Expenses | $3,600 | $3,600 | $1,200 | $1,200 |
| Stafford Loan Fees | $400 | $400 | N/A | N/A |
| Graduate PLUS Loan Fees | $1,200 | $1,200 | N/A | N/A |
| Totals* | $63,962 | $86,562 | $25,913 | $37,213 |
| M3 Annual Total | ||||
| Fall/Spring/Summer Totals* | In-State | $89,875 | Non-Resident | $123,775 |
M4 | Fall 2028 & Spring 2029* (Estimate) | Summer - N/A (M1,M2 & M3 Only) | ||
| In-State | Non-Resident | In-State | Non-Resident | |
| Tuition* | $32,300 | $54,900 | N/A | N/A |
| Fees* | $4,682 | $4,682 | N/A | N/A |
| Books & Supplies | $1,400 | $1,400 | N/A | N/A |
| Residency Interview Travel Cost | $1,500 | $1,500 | N/A | N/A |
| Housing & Food*** | $18,000 | $18,000 | N/A | N/A |
| Transportation | $1,700 | $1,700 | N/A | N/A |
| Personal Expenses | $3,600 | $3,600 | N/A | N/A |
| Stafford Loan Fees | $400 | $400 | N/A | N/A |
| Graduate PLUS Loan Fees | $1,200 | $1,200 | N/A | N/A |
| Totals* | $64,782 | $87,382 | N/A | N/A |
| M4 Annual Total | ||||
| Fall/Spring/Summer Totals* | In-State | $64,782 | Non-Resident | $87,382 |
2025-2026 Chicago Off-Campus Projected COA
2025- 2026 Off-Campus Chicago M1 - M4 Year Estimates |
||||
|---|---|---|---|---|
| Tuition & Fees* Only | In-State | $200,617 | Non-Resident | $324,917 |
| Overall Cost of Attendance | In-State | $333,727 | Non-Resident | $458,027 |
M1 | Fall 2025 & Spring 2026 | Summer 2026** (Estimate) | ||
| In-State | Non-Resident | In-State | Non-Resident | |
| Tuition* | $32,300 | $54,900 | $16,150 | $27,450 |
| Fees* | $4,682 | $4,682 | $1,413 | $1,413 |
| Books & Supplies | $1,400 | $1,400 | $700 | $700 |
| Housing & Food*** | $18,000 | $18,000 | $6,000 | $6,000 |
| Transportation | $1,700 | $1,700 | $450 | $450 |
| Personal Expenses | $3,600 | $3,600 | $1,200 | $1,200 |
| Stafford Loan Fees | $400 | $400 | N/A | N/A |
| Graduate PLUS Loan Fees | $1,200 | $1,200 | N/A | N/A |
| Totals* | $63,282 | $85,882 | $25,913 | $37,213 |
| M1 Annual Total | ||||
| Fall/Spring/Summer Totals* | In-State | $89,195 | Non-Resident | $123,095 |
M2 | Fall 2026 & Spring 2027* (Estimate) | Summer 2027** (Estimate) | ||
| In-State | Non-Resident | In-State | Non-Resident | |
| Tuition* | $32,300 | $54,900 | $16,150 | $27,450 |
| Fees* | $4,682 | $4,682 | $1,413 | $1,413 |
| Books & Supplies | $1,400 | $1,400 | $700 | $700 |
| Step 1 Board | $680 | $680 | $0 | $0 |
| Housing & Food*** | $18,000 | $18,000 | $6,000 | $6,000 |
| Transportation | $1,700 | $1,700 | $450 | $450 |
| Personal Expenses | $3,600 | $3,600 | $1,200 | $1,200 |
| Stafford Loan Fees | $400 | $400 | N/A | N/A |
| Graduate PLUS Loan Fees | $1,200 | $1,200 | N/A | N/A |
| Totals* | $63,962 | $86,562 | $25,913 | $37,213 |
| M2 Annual Total | ||||
| Fall/Spring/Summer Totals* | In-State | $89,875 | Non-Resident | $123,775 |
M3 | Fall 2027 & Spring 2028* (Estimate) | Summer 2028** (Estimate) | ||
| In-State | Non-Resident | In-State | Non-Resident | |
| Tuition* | $32,300 | $54,900 | $16,150 | $27,450 |
| Fees* | $4,682 | $4,682 | $1,413 | $1,413 |
| Books & Supplies | $1,400 | $1,400 | $700 | $700 |
| USMLE Step 2 | $680 | $680 | $0 | $0 |
| Housing & Food*** | $18,000 | $18,000 | $6,000 | $6,000 |
| Transportation | $1,700 | $1,700 | $450 | $450 |
| Personal Expenses | $3,600 | $3,600 | $1,200 | $1,200 |
| Stafford Loan Fees | $400 | $400 | N/A | N/A |
| Graduate PLUS Loan Fees | $1,200 | $1,200 | N/A | N/A |
| Totals* | $63,962 | $86,562 | $25,913 | $37,213 |
| M3 Annual Total | ||||
| Fall/Spring/Summer Totals* | In-State | $89,875 | Non-Resident | $123,775 |
M4 | Fall 2028 & Spring 2029* (Estimate) | Summer - N/A (M1,M2 & M3 Only) | ||
| In-State | Non-Resident | In-State | Non-Resident | |
| Tuition* | $32,300 | $54,900 | N/A | N/A |
| Fees* | $4,682 | $4,682 | N/A | N/A |
| Books & Supplies | $1,400 | $1,400 | N/A | N/A |
| Residency Interview Travel Cost | $1,500 | $1,500 | N/A | N/A |
| Housing & Food*** | $18,000 | $18,000 | N/A | N/A |
| Transportation | $1,700 | $1,700 | N/A | N/A |
| Personal Expenses | $3,600 | $3,600 | N/A | N/A |
| Stafford Loan Fees | $400 | $400 | N/A | N/A |
| Graduate PLUS Loan Fees | $1,200 | $1,200 | N/A | N/A |
| Totals* | $64,782 | $87,382 | N/A | N/A |
| M4 Annual Total | ||||
| Fall/Spring/Summer Totals* | In-State | $64,782 | Non-Resident | $87,382 |
2025-2026 Peoria & Rockford Campus Projected COA
2025- 2026 Peoria/Rockford M1 - M4 Year Estimates |
||||
|---|---|---|---|---|
| Tuition & Fees* Only | In-State | $200,617 | Non-Resident | $324,917 |
| Overall Cost of Attendance | In-State | $320,227 | Non-Resident | $444,527 |
M1 | Fall 2025 & Spring 2026 | Summer 2026** (Estimate) | ||
| In-State | Non-Resident | In-State | Non-Resident | |
| Tuition* | $32,300 | $54,900 | $16,150 | $27,450 |
| Fees* | $4,682 | $4,682 | $1,413 | $1,413 |
| Books & Supplies | $1,400 | $1,400 | $700 | $700 |
| Housing & Food*** | $15,300 | $15,300 | $5,100 | $5,100 |
| Transportation | $1,700 | $1,700 | $450 | $450 |
| Personal Expenses | $3,600 | $3,600 | $1,200 | $1,200 |
| Stafford Loan Fees | $400 | $400 | N/A | N/A |
| Graduate PLUS Loan Fees | $1,200 | $1,200 | N/A | N/A |
| Totals* | $60,582 | $83,182 | $25,013 | $36,313 |
| M1 Annual Total | ||||
| Fall/Spring/Summer Totals* | In-State | $85,595 | Non-Resident | $119,495 |
M2 | Fall 2026 & Spring 2027* (Estimate) | Summer 2027** (Estimate) | ||
| In-State | Non-Resident | In-State | Non-Resident | |
| Tuition* | $32,300 | $54,900 | $16,150 | $27,450 |
| Fees* | $4,682 | $4,682 | $1,413 | $1,413 |
| Books & Supplies | $1,400 | $1,400 | $700 | $700 |
| Step 1 Board | $680 | $680 | $0 | $0 |
| Housing & Food*** | $15,300 | $15,300 | $5,100 | $5,100 |
| Transportation | $1,700 | $1,700 | $450 | $450 |
| Personal Expenses | $3,600 | $3,600 | $1,200 | $1,200 |
| Stafford Loan Fees | $400 | $400 | N/A | N/A |
| Graduate PLUS Loan Fees | $1,200 | $1,200 | N/A | N/A |
| Totals* | $61,262 | $83,862 | $25,013 | $36,313 |
| M2 Annual Total | ||||
| Fall/Spring/Summer Totals* | In-State | $86,275 | Non-Resident | $120,175 |
M3 | Fall 2027 & Spring 2028* (Estimate) | Summer 2028** (Estimate) | ||
| In-State | Non-Resident | In-State | Non-Resident | |
| Tuition* | $32,300 | $54,900 | $16,150 | $27,450 |
| Fees* | $4,682 | $4,682 | $1,413 | $1,413 |
| Books & Supplies | $1,400 | $1,400 | $700 | $700 |
| USMLE Step 2 | $680 | $680 | $0 | $0 |
| Housing & Food*** | $15,300 | $15,300 | $5,100 | $5,100 |
| Transportation | $1,700 | $1,700 | $450 | $450 |
| Personal Expenses | $3,600 | $3,600 | $1,200 | $1,200 |
| Stafford Loan Fees | $400 | $400 | N/A | N/A |
| Graduate PLUS Loan Fees | $1,200 | $1,200 | N/A | N/A |
| Totals* | $61,262 | $83,862 | $25,013 | $36,313 |
| M3 Annual Total | ||||
| Fall/Spring/Summer Totals* | In-State | $86,275 | Non-Resident | $120,175 |
M4 | Fall 2028 & Spring 2029* (Estimate) | Summer - N/A (M1,M2 & M3 Only) | ||
| In-State | Non-Resident | In-State | Non-Resident | |
| Tuition* | $32,300 | $54,900 | N/A | N/A |
| Fees* | $4,682 | $4,682 | N/A | N/A |
| Books & Supplies | $1,400 | $1,400 | N/A | N/A |
| Residency Interview Travel Cost | $1,500 | $1,500 | N/A | N/A |
| Housing & Food*** | $15,300 | $15,300 | N/A | N/A |
| Transportation | $1,700 | $1,700 | N/A | N/A |
| Personal Expenses | $3,600 | $3,600 | N/A | N/A |
| Stafford Loan Fees | $400 | $400 | N/A | N/A |
| Graduate PLUS Loan Fees | $1,200 | $1,200 | N/A | N/A |
| Totals* | $62,082 | $84,682 | N/A | N/A |
| M4 Annual Total | ||||
| Fall/Spring/Summer Totals* | In-State | $62,082 | Non-Resident | $84,682 |
International Chicago Campus COA
2025- 2026 International Student Chicago M1 - M4 Year Estimates |
||
|---|---|---|
| Tuition & Fees* Only | $356,950 | |
| Overall Cost of Attendance | $506,627 | |
M1 | Fall 2025 & Spring 2026 | Summer 2026** (Estimate) |
| International | International | |
| Tuition* | $64,900 | $32,450 |
| Fees* | $4,682 | $1,413 |
| Books & Supplies | $1,400 | $700 |
| Housing & Food*** | $18,000 | $6,000 |
| Transportation | $1,700 | $450 |
| Personal Expenses | $3,600 | $1,200 |
| Totals* | $94,282 | $42,213 |
| Fall/Spring/Summer Totals | $136,495 | |
M2 | Fall 2026 & Spring 2027* (Estimate) | Summer 2027 ** (Estimate) |
| International | International | |
| Tuition* | $64,900 | $32,450 |
| Fees* | $4,682 | $1,413 |
| Books & Supplies | $1,400 | $700 |
| Step 1 Board | $680 | $0 |
| Housing & Food*** | $18,000 | $6,000 |
| Transportation | $1,700 | $450 |
| Personal Expenses | $3,600 | $1,200 |
| Totals* | $94,962 | $42,213 |
| Fall/Spring/Summer Totals* | $137,175 | |
M3 | Fall 2027 & Spring 2028* (Estimate) | Summer 2028** (Estimate) |
| International | International | |
| Tuition* | $64,900 | $32,450 |
| Fees* | $4,682 | $1,413 |
| Books & Supplies | $1,400 | $700 |
| USMLE Step 2 | $680 | $0 |
| Housing & Food*** | $18,000 | $6,000 |
| Transportation | $1,700 | $450 |
| Personal Expenses | $3,600 | $1,200 |
| Totals* | $94,962 | $42,213 |
| Fall/Spring/Summer Totals* | $137,175 | |
M4 | Fall 2028 & Spring 2029* (Estimate) | Summer - N/A (M1,M2 & M3 Only) |
| International | International | |
| Tuition* | $64,900 | N/A |
| Fees* | $4,682 | N/A |
| Books & Supplies | $1,400 | N/A |
| Residency Interview Travel Cost | $1,500 | N/A |
| Housing & Food*** | $18,000 | N/A |
| Transportation | $1,700 | N/A |
| Personal Expenses | $3,600 | N/A |
| Totals* | $95,782 | N/A |
International Peoria & Rockford Campus COA
2025- 2026 Peoria/Rockford International Student M1 - M4 Year Estimates |
||
|---|---|---|
| Tuition & Fees* Only | $356,950 | |
| Overall Cost of Attendance | $493,127 | |
M1 | Fall 2025 & Spring 2026 | Summer 2026** (Estimate) |
| International | International | |
| Tuition* | $64,900 | $32,450 |
| Fees* | $4,682 | $1,413 |
| Books & Supplies | $1,400 | $700 |
| Housing & Food*** | $15,300 | $5,100 |
| Transportation | $1,700 | $450 |
| Personal Expenses | $3,600 | $1,200 |
| Totals* | $91,582 | $41,313 |
| Fall/Spring/Summer Totals | $132,895 | |
M2 | Fall 2026 & Spring 2027* (Estimate) | Summer 2027 ** (Estimate) |
| International | International | |
| Tuition* | $64,900 | $32,450 |
| Fees* | $4,682 | $1,413 |
| Books & Supplies | $1,400 | $700 |
| Step 1 Board | $680 | $0 |
| Housing & Food*** | $15,300 | $5,100 |
| Transportation | $1,700 | $450 |
| Personal Expenses | $3,600 | $1,200 |
| Totals* | $92,262 | $41,313 |
| Fall/Spring/Summer Totals* | $133,575 | |
M3 | Fall 2027 & Spring 2028* (Estimate) | Summer 2028** (Estimate) |
| International | International | |
| Tuition* | $64,900 | $32,450 |
| Fees* | $4,682 | $1,413 |
| Books & Supplies | $1,400 | $700 |
| USMLE Step 2 | $680 | $0 |
| Housing & Food*** | $15,300 | $5,100 |
| Transportation | $1,700 | $450 |
| Personal Expenses | $3,600 | $1,200 |
| Totals* | $92,262 | $41,313 |
| Fall/Spring/Summer Totals* | $133,575 | |
M4 | Fall 2028 & Spring 2029* (Estimate) | Summer - N/A (M1,M2 & M3 Only) |
| International | International | |
| Tuition* | $64,900 | N/A |
| Fees* | $4,682 | N/A |
| Books & Supplies | $1,400 | N/A |
| Residency Interview Travel Cost | $1,500 | N/A |
| Housing & Food*** | $15,300 | N/A |
| Transportation | $1,700 | N/A |
| Personal Expenses | $3,600 | N/A |
| Totals* | $93,082 | N/A |
Resources: Heading link
UI COM Monthly Budgeting Tool
We encourage students to use a budget to help you live within your means. Creating a budget helps you reach your future financial goals by minimizing your student loan debt. Students can use the following UIC COM Monthly Budget Tool to create a budget prior to signing a lease or accepting loans on the Financial Aid Award Notification.
Loan Origination Fee Calculator
An origination fee is deducted from each loan type at the time of disbursement. This means that the disbursed amount of your loan will be lower than the amount that you accept on your financial aid notification. The amount of the loan origination fee for the Unsubsidized Stafford Loan is 1.057% for loans disbursed after October 1, 2020. The amount of the Grad Plus loan origination fee is 4.228% for loans disbursed after October 1, 2020. An average federal loan fee will be added to your Cost of Attendance for those that borrow a Federal Direct Loan and a Federal Grad Plus Loan.
The calculators below can assist you in determining the exact loan amount to borrow by factoring in the loan fee deductions. When determining the amount needed please keep in mind that most loans are divided equally between fall and spring. You may need to double the amount of the loan per semester so that there will be equal amounts for both fall and spring.
DACA Students
Undocumented students are not eligible to receive federal or state financial aid. Please find a list of resources here:
International Students
International students are not eligible to receive federal or state financial aid. Please find a list of resources here:
Outside Resources
If you receive any type of funding (awards, grants, waivers, fellowships, scholarships, or tuition reimbursements), you must notify our office as soon as possible. Your aid package will be updated to reflect the outside award. Your loan amounts may be adjusted to remain within the COA budget constraints. Please note, you cannot receive more than one full-tuition award for any term.
NOTE: If an award is credited to your account before we can adjust your financial aid package, you will be expected to return any amount of financial aid you are not eligible to receive, even if you have already received a refund.
Paying Your Bill
Your university bill is managed by the University Bursar’s Office. You are responsible for reviewing your student account and making sure your bill is paid each semester by the Bursar’s published due dates. Visit the University Bursar homepage to find out more information about the following: billing, payments, due dates, refunds, UIC financial counselor (Entrance and Exit Interviews), 1098-T tax information, payment plans, and the new student checklist.
Budget Adjustments
In addition to the standard budget components, certain adjustments can be made to a student’s COA on a case-by-case basis. Students with extenuating circumstances may submit a request for budget adjustment for allowable expenses.
Allowable Expenses
- Rent/Mortgage
- Child Care Costs
- Laptop Purchase (for educational use)
- Unusually High Medical/Dental expenses
- Car Repair / Auto Insurance
- Residency Interview Travel Costs (fourth-year students only)
The federal government stipulates that some expenses cannot be included in a student’s budget, regardless of the circumstances.
Non-Allowable Expenses
- Automobile Payments/Purchase
- Consumer Debt
- Off Campus Clerkships and Electives
- Clinical Rotations Off Campus in the US or Abroad
- Moving Expenses / Site Relocation Expenses
- Spousal Insurance
- Travel Relocation
- USMLE Review Courses