Cost & Filling The Gap

Your financial aid may not cover all the expenses that you may incur while attending classes. The following information is designed to assist you in determining the amount of funding you may need to cover these "out of pocket" costs and the available options to cover the expenses or "filling the gap."

Your budget is made up of two parts: direct costs that are paid to the University and indirect costs that are not paid directly to the University but you may incur during the enrollment period. Indirect cost items may vary depending on your individual situation.  Learn more about your Cost of Attendance (COA) by viewing our page breaking down your COA.

Calculators

2024-25 Estimated Undergraduate Full-Time Cost of Attendance

Direct Costs	New York State Resident	Out of State Resident
Tuition	$7,070	$28,874
Fees	$3,574	$3,574
Housing*	$11,588	$11,588
Meal Plan*	$7,192	$7,192
Total Direct Costs (Commuter/Off Campus Students)	$10,644	$32,448
Total Direct Costs (On-campus Students)*	$29,424	$51,228

Indirect Costs	New York State Resident	Out of State Resident
Books	$900	$900
Transportation	$840	$840
Personal Expenses	$2,408	$2,408
Total Indirect Cost	$4,148	$4,148

Estimated Yearly Cost of Attendance

$33,572

$55,376

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The following methods are available to "filling the gap" between your college expenses and your financial aid awards:

1. You may pay the balance due in full each term. Payments can be made by cash, check, money order, or major credit card. To make a payment with a credit card, login to the SOLAR System and click on “Account Summary/What Do I Owe?”. Additional billing information is available on the Bursar/Student Accounts website. 
2. You may pay the balance due in installments by signing up for the University's Time Option Payment Plan (TOPP).
3. Parents of dependent undergraduate students may borrow a Federal Direct Parent PLUS Loan by submitting a "Federal Direct Parent PLUS Loan Application" via studentaid.gov using the parent's FSAID. Visit the Federal Direct Parent PLUS Loan information link for further information.
4. Students can apply for a private educational loan. For further information, visit the Private Educational Loan page.

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HOW DO I CALCULATE MY GAP?

Utilize one of the calculators below to determine your "gap"  between your financial aid award package and anticipated charges as either a NYS Resident or Out of State student. These calculators will allow you to see the difference in cost between residing on-campus, off-campus, or commuting from a family residence. 

	NYS RESIDENT STUDENT GAP CALCULATOR This calculator should be used by New York State Residents who currently do not have any charges posted on SOLAR.
	OUT OF STATE STUDENT GAP CALCULATOR This calculator should be used by Out of State students who currently do not have any charges posted on SOLAR.
	ON-CAMPUS STUDENT GAP CALCULATOR This calculator should be used by students who have their charges posted on SOLAR and anticipate living on-campus.
	OFF-CAMPUS STUDENT GAP CALCULATOR This calculator should be used by students who  have their charges posted on SOLAR and anticipate living off-campus.
	STUDENT LIVING WITH PARENT GAP CALCULATOR  This calculator should be used by students who have their charges posted on SOLAR and anticipate commuting from a family residence.

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