Cost of Attendance

The Office of Financial Aid determines your financial aid eligibility by subtracting your Student Aid Index (SAI) from your Cost of Attendance (COA). The information you report on your FAFSA is used in a formula established by the U.S. Congress, which determines your SAI. The COA that your financial aid package is based upon reflects standard and reasonable costs that you can anticipate on incurring either directly (billed) or indirectly (estimated costs associated with attending college) from the university.

The following are included in the cost of attendance:

  • Tuition and Fees
  • Living Expenses (Food and Housing)
  • Books, Course Materials, Supplies, and Equipment
  • Personal expenses
  • Transportation

What are my costs based on?

Food charges are based upon the actual cost of the all access meal plan along with an estimate for any meals that are not covered under the standard contract (2 meals for each instructional week and then any breaks during the semester). The cost for on-campus housing is based on the median housing charge incurred during 2024-25. Please note, you will be billed directly for your actual room assignment and meal plan choice. Concord University policy requires all unmarried students (traditional age undergraduates) who have not received prior permission to commute to reside on campus in the University’s residence halls as long as space is available.

Can I reside off-campus?

If you do not plan to reside on campus, you must submit an Off-Campus Exception/Commuter Request Form to the Office of Housing and Residence Life. The COA budget component for housing and meals for students who live with parents or reside in off-campus housing vary according to your personal circumstances.

Your basic COA also includes allowances for average books and supplies, transportation, and personal expenses. In addition, direct loan fees, program fees, or certification costs will be added, if applicable. Students can seek a professional judgment when additional education related expenses beyond a student’s standard cost of attendance are incurred. Please visit www.concord.edu/financial-aid/professional-judgment-process-appeals for more information.

Below are 2026-2027 cost of attendance budgets used by the Office of Financial Aid to determine students’ eligibility for financial aid:

Direct Costs

On-Campus Off-Campus With Parent
Tuition & Fees $9,748 $9,748 $9,748
Additional Class Fees $1,440 $1,440 $1,440
Food and Housing $13,398
Total Direct Costs $24,586 $11,188 $11,188

Indirect Costs

On-Campus Off-Campus With Parent
Transportation $2,084  $2,084  $2,084
Books & Supplies $1,100 $1,100 $1,100
Personal $1,570 $1,570 $1,570
Food and Housing $13,398 $3,048
Total Indirect Costs $4,754 $18,152 $7,802

Total Costs

  • On-Campus: $29,340
  • Off-Campus: $29,340
  • With Parent: $18,990

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Direct Costs

On-Campus Off-Campus With Parent
Tuition & Fees $4,874 $4,874 $4,874
Additional Class Fees $720 $720 $720
Food and Housing $6,699
Total Direct Costs $12,293 $5,594 $5,594

Indirect Costs

On-Campus Off-Campus With Parent
Transportation $1,042 $1,042 $1,042
Books & Supplies $550 $550 $550
Personal $785 $785 $785
Food and Housing $6,699 $1,524
Total Indirect Costs $2,377 $9,076 $3,901

Total Costs

  • On-Campus: $14,670
  • Off-Campus: $14,670
  • With Parent: $9,495

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Direct Costs

On-Campus Off-Campus With Parent
Tuition & Fees $12,424 $12,424 $12,424
Additional Class Fees $1,440 $1,440 $1,440
Food and Housing $13,398
Total Direct Costs $36,262 $22,864 $22,864

Indirect Costs

On-Campus Off-Campus With Parent
Transportation $2,084 $2,084 $2,084
Books & Supplies $1,100 $1,100 $1,100
Personal $1,570 $1,570 $1,570
Food and Housing $13,398 $3,048
Total Indirect Costs $4,754 $18,152 $7,802

Total Costs

  • On-Campus: $41,016
  • Off-Campus: $41,016
  • With Parent: $30,666

Direct Costs

On-Campus Off-Campus With Parent
Tuition & Fees $10,712 $10,712 $10,712
Additional Class Fees $720 $720 $720
Food and Housing $6,699
Total Direct Costs $18,131 $11,432 $11,432

Indirect Costs

On-Campus Off-Campus With Parent
Transportation $1,042 $1,042 $1,042
Books & Supplies $550 $550 $550
Personal $785 $785 $785
Food and Housing $6,699 $1,524
Total Indirect Costs $2,377 $9,076 $3,901

Total Costs

  • On-Campus: $20,508
  • Off-Campus: $20,508
  • With Parent: $15,333

Direct Costs

Fall or Spring Semester Summer 1 & 2
Tuition & Fees $5,238 $6,984
Class Fees $747 $996
Total Direct Costs $5,985 $7,980

Indirect Costs

Fall or Spring Semester Summer 1 & 2
Personal $785 $392
Room & Board $6,699 $3,782
Transportation $1,042 $520
Books & Supplies $550 $1,100
Total Indirect Costs $9,076 $5,794

Total Costs

  • Fall or Spring Semester: $15,061
  • Summer 1 & 2: $13,774

First Year; Fall or Spring or Summer

Fall In-State Spring In-State Summer In-State Fall Out-of-State Spring Out-of-State Summer Out-of-State
Books & Supplies $1,250 $550 $550 $1,250 $550 $550
Tuition & Fees $11,000 $11,000 $11,000 $17,000 $17,000 $17,000
Additional Class Fees $2,000 $900 $900 $2,000 $900 $900
Personal $814 $814 $814 $814 $814 $814
Living Expense $8,064  $8,064  $8,064  $8,064  $8,064  $8,064
Transportation $1,208 $1,208 $1,208 $1,208 $1,208 $1,208
Total $24,336 $22,536 $22,536 $30,336 $28,536 $28,536

Second Year; Fall or Spring or Summer

Fall In-State Spring In-State Summer In-State Fall Out-of-State Spring Out-of-State Summer Out-of-State
Books & Supplies $550 $550 $550 $1,250 $550 $550
Tuition & Fees $11,000 $11,000 $11,000 $17,000 $17,000 $17,000
Additional Class Fees $900 $900 $900 $900 $900 $900
Personal $814 $814 $814 $814 $814 $814
Living Expense $8,064  $8,064  $8,064  $8,064  $8,064  $8,064
Transportation $1,208 $3,938 $3,938 $1,208 $3,938 $$3,938
Total $22,536 $25,266 $25,266 $28,536 $31,266 $31,266