UMass SealUniversity of Massachusetts Amherst - 2003/04 Guide to Undergraduate Programs
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Amherst Campus
Expenses are approximately $18,346 per year for an in-state student. The following estimate of a year’s expenses, based partly upon last year’s costs, includes only those items which are strictly university-related and does not include amounts for clothing, laundry, travel, books, parking, etc.
The university reserves the right to change any fees without advance notice.

Estimated Annual Expenses

Massachusetts Residents
Tuition $ 1,714
Required Fees 10,018
Rent/Telecommunications 4,612
Meal Plan 3,664
Total $ 20,008
Tuition $ 9,937
Required Fees 13,292
Rent/Telecommunications 4,612
Meal Plan 3,664
Total $ 31,505

For further information, go to: www.umass. edu/bursar/.
Annual tuition for New England Regional Students is $3,000. There is also an annual fee of $2,322 for health insurance, which is waivable only if the student has comparable coverage.

Tuition Surcharge
The Massachusetts Board of Higher Education requires all universities and state colleges to assess a tuition surcharge to students who exceed 118 percent of required credits in an academic degree program. This surcharge applies to in-state undergraduates and students enrolled through the New England Regional Exchange Program and is equal to the non-resident tuition rate per credit.

Payment Due Date
In accordance with university policy all charges for tuition, fees, board, and room rent are due and payable by the bill due date. Payments after the due date will incur a $50 late charge. There is a separate charge of $25 for returned checks. No student may register until all university charges are paid in full. Continued enrollment is dependent on timely payment of all university charges. Bills for all charges will be rendered in advance with due date shown.

Explanation of Fees and Payments

Curriculum Support Fee
This fee helps to offset permanent reductions in state funding and contributes to the educational mission of the campus, allowing it to remain a comprehensive university offering a wide variety of programs at the graduate and undergraduate level.

In-State Tuition
As a state institution, the university offers the privilege of in-state tuition to all students entering from the Commonwealth. Eligibility for admission under the residential rate is determined by policy established by the Trustees and is detailed under “Tuition Classification.”

Service Fee
The undergraduate service fee provides undergraduates access to Fine Arts Council events, reduced ticket prices, intercollegiate athletic programs, and the transit system. It covers all bond issue debt service obligations of the University of Massachusetts Building Authority for Amherst campus facilities and projects.

Student Activities Fee
This fee supports undergraduate student government, various agencies providing services and activities for students, and over two hundred existing Registered Student Organizations.

Student Health Fee
A mandatory Student Health Fee is automatically added to the tuition bill of all students taking five or more credits. The fee works together with students’ primary health insurance plans, entitling them to be seen at University Health Services (UHS) and absorbing many costs not covered by primary health insurance.
Students taking fewer than five credits per semester and those enrolled in a degree-seeking program through Continuing & Professional Education or University Without Walls are eligible for UHS services. However, they must come to UHS Patient Services before the end of the Add/Drop period to register.

Student Health Insurance Plan
Massachusetts requires full-time college students to have primary health care insurance. The Student Health Insurance Plan (SHIP) at the University of Massachusetts Amherst meets state requirements, with coverage and benefits specific to college students. For more information about the SHIP, visit the UHS website,
Students taking five or more credits are automatically enrolled in the individual SHIP; charges appear on the semester’s tuition bill. Those enrolled in the SHIP individual plan are eligible to purchase a family plan, which provides coverage for spouses, same-sex domestic partners, and their dependent children under 19. To purchase the SHIP family plan, students should go to UHS Patient Services before the end of the Add/Drop period.

Depending on insurance coverage and student status, students may be eligible to waive the SHIP.
U.S. students with comparable coverage under another major medical insurance plan, including Commonwealth Choice, can waive the SHIP. Veterans’ benefits that provide access to Veterans Administration healthcare facilities do not meet comparable coverage guidelines; the U.S. Family Health Plan, a military coverage, is acceptable. Mass Health or Commonwealth Care plan subscribers who have been disenrolled based on their student status should contact UHS Patient Services to enroll in the SHIP. International students are required to maintain SHIP coverage.
To waive the SHIP, go to SPIRE,, select the Health Waiver page link, click the Online Waiver Site link and then complete and submit the waiver form. Waivers must be completed by the end of the Add/Drop period to prevent enrollment and charges. Waivers completed for the fall semester apply to the entire academic year; only new or transfer students with comparable coverage should complete the spring semester waiver.

Entering Fee
The Entering Fee is charged once, upon a student’s entry to the university. It provides students with intramural athletics programs, an All Campus Card used as identification for various activities, and copies of official undergraduate transcripts.

Senior Fee
This one-time fee is charged once a student has acquired the 87 credits required for graduation, this fee provides career information, job matching and employment referral through the Career Center, and covers expenses related to the commencement ceremony.


Tuition and Fee Refunds
A student who makes an advance payment and then for any reason does not attend any part of the next semester or term at the university will be given a full refund of tuition and fees (excluding the prepayment for counseling and admissions services).
A student who leaves the university for any reason, except as specified below, before a semester is completed will be granted a pro rata refund of tuition and fees.
For students receiving any form of financial aid the refund schedules as required by federal law will apply.
A student who is suspended or expelled from the university for disciplinary reasons forfeits all rights to a refund.

Refund Schedule

Regular Term
a. Up to and including the first day of classes —100%.
b. Within the first two weeks of semester or term—80%.
c. During the third week—60%.
d. During the fourth week—40%.
e. During the fifth week—20%.
f. After the fifth week—no refund.

Summer Session
a. During the first week—60%.
b. During the second week—20%.
c. After the second week—no refund.

Room Rent Refunds
A student who has made an advance payment of room rent will be granted a full refund of rent, less the housing cancellation fee, blocked room fee and/or improper checkout fees that apply, if he or she fails to attend any part of the next semester or term, or does not reside in a residence hall.
Any students who obtain the key to their assigned accommodations and subsequently leave the university prior to the end of the first class week shall automatically be charged a minimum $450 Cancellation Fee. Any students who leave the university during the second through fifth weeks shall be charged a cancellation fee plus 20 percent of room rent for each week or part thereof. No refunds will be made after the fifth week of the academic semester. Refunds will be made during the refund period only to students who officially withdraw from the university through the Registrar’s Office and who properly check out of their assignment through the residence hall cluster office.
More information on the refund schedule or billing appeal process is available on the Housing website:

Overdue Accounts
Overdue accounts will be considered sufficient cause for cancellation of registration as university regulations prohibit final registration, graduation, or granting of any credit for any student whose account with the university is unpaid. Any delinquent accounts will be cause for possible Administrative Withdrawal and must be paid prior to readmission to the university. Under Massachusetts General Laws C.7A, C.62D and 815 CMR 9.00, any unpaid balances may be subject to late charges and processing fees, intercept of state payment or tax refunds, and referral to collection agencies.

Full Disclosure — Annual In-State Per Student Cost of Education at the University of Massachusetts Amherst

The University of Massachusetts is funded by several sources. A significant funding source is the Commonwealth of Massachusetts, which annually subsidizes the university’s costs to educate a student through annual state appropriations. These appropriations greatly reduce the cost of attendance for students. The average annual per student cost of education for the 2008-09 academic year at the University of Massachusetts Amherst was approximately $23,150 and represents the total cost to support a student’s total university experience (instruction, research, student services, buildings and grounds maintenance, the administration, etc.). The state operating subsidy averages approximately $11,725 per student per year and certain other campus revenues are also used to support these costs. Tuition and non-auxiliary fees1 charged to in-state students in 2008-09 were $8,628 or 37.27 percent of the total cost of education. Costs for books, supplies, transportation, and room and board are added to these tuition and fee charges to determine the in-state cost of attendance estimated at $20,746. This is roughly the figure from which a student’s financial aid eligibility is determined.

1 Non-auxiliary fees include fine arts, curriculum, and student activities.