by our College Data Analytics TeamHere is what you can expect to pay at University of Massachusetts-Boston, including attendance costs, projected four- and two-year degree costs, average net price, debt outcomes, and how aid is distributed across income levels.
Use the section links below to navigate this overview:
The full cost of attending University of Massachusetts-Boston fell between $29,698.00 and $51,915.00 depending on whether you qualify for in-state rates.
In-state residents qualified for the lower cost, with out-of-state students paying more: roughly $29,698.00 for in-state students versus $51,915.00 for out-of-state students.
Here the cost is broken out three ways: no aid, average aid, and the aid a low-income student typically receives.
| Tuition and fees | $15,908.00 |
| + Room, board & other expenses | $13,790.00 |
| Total cost | $29,698.00 |
| That is 54% above the national average net price. |
| Total cost | $29,698.00 |
| − Grants and scholarships | −$12,837.00 |
| Net price | $16,861.00 |
| That is 12% below the national average net price. |
| Total cost | $29,698.00 |
| − Grants and scholarships | −$16,474.00 |
| Net price | $13,224.00 |
| That is 31% below the national average net price. |
| Tuition and fees | $38,125.00 |
| + Room, board & other expenses | $13,790.00 |
| Total cost | $51,915.00 |
| That is 170% above the national average net price. |
| Total cost | $51,915.00 |
| − Grants and scholarships | −$12,837.00 |
| Net price | $39,078.00 |
| That is 103% above the national average net price. |
| Total cost | $51,915.00 |
| − Grants and scholarships | −$16,474.00 |
| Net price | $35,441.00 |
| That is 84% above the national average net price. | |
| Explore each piece on the tuition & fees page plus living costs. |
Costs have trended upward in recent years at about 2.7% per year; the projections below compound that across a degree. The tables below project the cost forward across a full degree, side by side for a low-income student with aid, a typical student with average aid, and a student paying full sticker price with no aid. The loan rows amortise the projected total over a ten-year, 6.8% repayment.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.7% | 2.7% | 2.7% |
| Freshman year | $13,581.00 | $17,316.00 | $30,499.00 |
| Senior year | $14,710.00 | $18,755.00 | $33,035.00 |
| Total 4-year net price | $56,561.00 | $72,117.00 | $127,023.00 |
| 10-year loan interest @ 6.8% | $21,548.00 | $27,474.00 | $48,391.00 |
| Total monthly payment | $651.00 | $830.00 | $1,462.00 |
| Total amount paid | $78,109.00 | $99,591.00 | $175,414.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.7% | 2.7% | 2.7% |
| Freshman year | $13,581.00 | $17,316.00 | $30,499.00 |
| Senior year | $13,947.00 | $17,783.00 | $31,322.00 |
| Total 2-year net price | $27,528.00 | $35,099.00 | $61,821.00 |
| 10-year loan interest @ 6.8% | $10,487.00 | $13,371.00 | $23,552.00 |
| Total monthly payment | $317.00 | $404.00 | $711.00 |
| Total amount paid | $38,015.00 | $48,470.00 | $85,373.00 |
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.7% | 2.7% | 2.7% |
| Freshman year | $36,397.00 | $40,132.00 | $53,315.00 |
| Senior year | $39,423.00 | $43,468.00 | $57,748.00 |
| Total 4-year net price | $151,586.00 | $167,142.00 | $222,048.00 |
| 10-year loan interest @ 6.8% | $57,749.00 | $63,675.00 | $84,592.00 |
| Total monthly payment | $1,744.00 | $1,923.00 | $2,555.00 |
| Total amount paid | $209,335.00 | $230,817.00 | $306,640.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 2.7% | 2.7% | 2.7% |
| Freshman year | $36,397.00 | $40,132.00 | $53,315.00 |
| Senior year | $37,379.00 | $41,215.00 | $54,754.00 |
| Total 2-year net price | $73,776.00 | $81,347.00 | $108,069.00 |
| 10-year loan interest @ 6.8% | $28,106.00 | $30,990.00 | $41,170.00 |
| Total monthly payment | $849.00 | $936.00 | $1,244.00 |
| Total amount paid | $101,882.00 | $112,337.00 | $149,240.00 |
Jump to the net-price detail in the net price section below.
The net price is the real out-of-pocket cost — what families pay after grant and scholarship aid is applied. This is the more honest cost figure for most families, since it accounts for institutional and federal aid.
| Average net price (on-campus) | $17,707.00 |
| Average net price (off-campus) | $18,282.00 |
The real cost varies by income because need-based aid scales with financial need. Below, average net price is broken out by family income:
| Family income | Average net price |
|---|---|
| Under $30,000 | $13,072.00 |
| $30,000 to $48,000 | $14,215.00 |
| $48,001 to $75,000 | $17,572.00 |
| $75,001 to $110,000 | $22,332.00 |
| Over $110,000 | $25,375.00 |
For a personalized estimate, try the University of Massachusetts-Boston Net Price Calculator, or reach out to the financial aid office.
For the grant-and-scholarship detail behind these figures, see the financial aid breakdown.
The typical debt load for borrowers leaving University of Massachusetts-Boston stands at $15,000.00, categorized as a Low ($10-20k) burden category.
Here’s how debt at graduation distributes across borrowers:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,500.00 |
| 25th | $7,000.00 |
| Median (50th) | $15,000.00 |
| 75th | $26,407.00 |
| 90th | $35,324.00 |
The distance from the 10th to the 90th percentile shows how widely debt outcomes vary.
Read the complete debt breakdown on the student loan debt detail.
Debt at graduation is far from uniform across income levels. The breakdown below segments borrowers by family income at entry:
| Family income | Median debt at graduation |
|---|---|
| Low income | $15,250.00 |
| Middle income | $15,409.00 |
| High income | $13,750.00 |
Low-income borrowers graduate with $1,500.00 in additional median debt versus high-income graduates.
First-generation college students often carry different debt loads than their continuing-generation peers.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $15,000.00 |
| Continuing-generation students | $14,884.00 |
First-generation graduates from University of Massachusetts-Boston graduate with $116.00 more median debt than continuing-generation peers.
Pell Grants are the federal government’s primary need-based undergraduate aid program. Contrasting Pell and non-Pell borrowers shows how need shapes debt.
The Pell vs non-Pell debt gap at University of Massachusetts-Boston amounts to $3,365.00. This institution is flagged by federal data for Pell-debt inequity.
The default-rate classification at University of Massachusetts-Boston is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 7.6% |
For scale, federal Stafford loan disbursements at University of Massachusetts-Boston total $960,871,074.00 over 47,096 recipients.
Veterans and active-duty service members may qualify for substantial federal education benefits including the GI Bill and Department of Defense tuition support.
| GI Bill recipients | 569 |
| Avg GI Bill amount | $6,227.00 |
| DoD Tuition Assistance recipients | 12 |
| Avg DoD Tuition Assistance | $2,045.00 |
Dig into veteran education benefits on the veterans benefits detail.
Beyond the data above, it helps to ask a few questions when weighing University of Massachusetts-Boston, a few questions are worth asking:
Use the pages below to go deeper on a specific part of the cost story:
Data sources. Figures on this page draw from the U.S. Department of Education College Scorecard, the Integrated Postsecondary Education Data System (IPEDS), and MediaFactual editorial review. Net-price calculator and financial-aid office links are taken from the institution’s own published data.