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

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 2023-24. 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. 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 2024-2025 cost of attendance budgets used by the Office of Financial Aid to determine students’ eligibility for financial aid:

COA Component Full Time
(12+ Hours)		 3/4 Time
(9-11 Hours)		 1/2 Time
(6-8 Hours)		 Less Than 1/2 Time
(< 6 Hours)
Direct Cost
Tuition & Fees $9,464 $7,092 – $8,668 $4,728 – $6,304 $788 – $3,940
Additional Class Fees (Other) $1,200 $1,200 $600 $600
Food & Housing $12,546 $12,546 $12,546 $12,546 *
Totals $23,210 $20,838 – $22,414 $17,874 – $19,450 $13,934 – $17,086
Indirect Cost
Personal $1,570 $1,570 $1,570 —
Books & Supplies $1,100 $825 $550 $275
Transportation $1,870 $1,870 $1,870 $1,870
Totals $4,540 $4,265 $3,990 $2,145
Total Cost of Attendance $27,750 $25,103 – 26,679 $21,864 – 23,440 $16,079 – 19,231

* Can receive 2 semesters MAX

COA Component Full Time
(12+ Hours)		 3/4 Time
(9-11 Hours)		 1/2 Time
(6-8 Hours)		 Less Than 1/2 Time
(< 6 Hours)
Direct Cost
Tuition & Fees $9,464 $7,092 – $8,668 $4,728 – $6,304 $788 – $3,940
Additional Class Fees (Other) $1,200 $1,200 $600 $600
Totals $10,664 $8,292 – $9,868 $5,328 – $6,904 $1,388 – $4,540
Indirect Cost
Personal $1,570 $1,570 $1,570 —
Food & Housing $2,810 $2,810 $2,810 $2,810 *
Books & Supplies $1,100 $825 $550 $275
Transportation $1,870 $1,870 $1,870 $1,870
Totals $7,350 $7,075 $6,800 $4,955
Total Cost of Attendance $18,014 $15,367 – $16,943 $12,128 – $13,704 $6,343 – $9,495

* Can receive 2 semesters MAX

COA Component Full Time
(12+ Hours)		 3/4 Time
(9-11 Hours)		 1/2 Time
(6-8 Hours)		 Less Than 1/2 Time
(< 6 Hours)
Direct Cost
Tuition & Fees $9,464 $7,092 – $8,668 $4,728 – $6,304 $788 – $3,940
Additional Class Fees (Other) $1,200 $1,200 $600 $600
Totals $10,664 $8,292 – $9,868 $5,328 – $6,904 $1,388 – $4,540
Indirect Cost
Personal $1,570 $1,570 $1,570 —
Books & Supplies $1,100 $825 $550 $275
Food & Housing $12,546 $12,546 $12,546 $12,546 *
Transportation $1,870 $1,870 $1,870 $1,870
Totals $17,086 $16,811 $16,536 $14,691
Total Cost of Attendance $27,750 $25,103 – $26,679 $21,864 – $23,440 $16,079 – $19,231

* Can receive 2 semesters MAX

COA Component Full Time
(12+ Hours)		 3/4 Time
(9-11 Hours)		 1/2 Time
(6-8 Hours)		 Less Than 1/2 Time
(< 6 Hours)
Direct Cost
Tuition & Fees $20,800 $15,606 – $19,074 $10,404 – $13,872 $1,734 – $5,202
Additional Class Fees (Other) $1,200 $1,200 $600 $600
Food & Housing $12,546 $12,546 $12,546 $12,546 *
Totals $34,546 $29,352 – $33,450 $23,550 – $27,018 $14,880 – $18,348
Indirect Cost
Personal $1,570 $1,570 $1,570 —
Books & Supplies $1,100 $825 $550 $275
Transportation $1,870 $1,870 $1,870 $1,870
Totals $4,540 $4,265 $3,990 $2,145
Total Cost of Attendance $39,086 $33,617 – $37,715 $27,540 – $31,008 $17,025 – $20,493

* Can receive 2 semesters MAX

COA Component Full Time
(12+ Hours)		 3/4 Time
(9-11 Hours)		 1/2 Time
(6-8 Hours)		 Less Than 1/2 Time
(< 6 Hours)
Direct Cost
Tuition & Fees $20,800 $15,606 – $19,074 $10,404 – $13,872 $1,734 – $10,404
Additional Class Fees (Other) $1,200 $1,200 $600 $600
Totals $22,000 $16,806 – $20,274 $11,004 – $14,472 $2,334 – $11,004
Indirect Cost
Personal $1,570 $1,570 $1,570 —
Food & Housing $2,810 $2,810 $2,810 $2,810 *
Books & Supplies $1,100 $825 $550 $275
Transportation $1,870 $1,870 $1,870 $1,870
Totals $17,086 $16,811 $16,536 $16,261
Total Cost of Attendance $29,350 $23,881 – $27,349 $17,804 – $21,272 $7,289 – $15,959

* Can receive 2 semesters MAX

COA Component Full Time
(12+ Hours)		 3/4 Time
(9-11 Hours)		 1/2 Time
(6-8 Hours)		 Less Than 1/2 Time
(< 6 Hours)
Direct Cost
Tuition & Fees $20,800 $15,606 – $19,074 $10,404 – $13,872 $1,734 – $10,404
Additional Class Fees (Other) $1,200 $1,200 $600 $600
Totals $22,000 $16,806 – $20,274 $11,004 – $14,472 $2,334 – $11,004
Indirect Cost
Personal $1,570 $1,570 $1,570 —
Food & Housing $12,546 $12,546 $12,546 $12,546 *
Books & Supplies $1,100 $825 $550 $275
Transportation $1,870 $1,870 $1,870 $1,870
Totals $17,086 $16,811 $16,536 $16,261
Total Cost of Attendance $39,086 $33,617 – $37,085 $27,540 – $31,008 $18,595 – $27,265

* Can receive 2 semesters MAX

COA Component Fall OR Spring Fall & Spring
Books & Supplies $550 $1,100
Tuition & Fees $5,085 $10,170
Additional Class Fees (Other) $600 $1,200
Personal $785 $1,570
Room & Board $6,273 $12,546
Transportation $935 $1,870
Total $14,228 $28,456

COA Component Fall OR Spring Fall & Spring
Books & Supplies $550 $1,100
Tuition & Fees $5,085 $10,170
Additional Class Fees (Other) $600 $1,200
Personal — —
Room & Board* $6,273 * $12,546 *
Transportation $935 $1,870
Total $13,443 $26,886

* Can receive 2 semesters MAX