University of Virginia School of Medicine
2021/22 Estimated Cost of Attendance Budgets*


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*The Board of Visitors has not yet approved tuition and fees for 2021-22.  The health insurance premium is also not yet set; the figure included is an estimate.

For a breakdown of living expenses and help living within the approved Cost of Attendance, click here

Virginia Residency: The financial aid office does not determine in-state or out-of-state status. For information about becoming an in-state student, please click here or visit the SCHEV website. If you still have questions, please contact the Committee on Virginia Status of University Students, P.O. Box 9071, Charlottesville, VA 22906 or call their office at 434-982-3391. If you are an out-of-state entering first-year student, we recommend that you speak with the Admissions office prior to applying for in-state status.

Computer purchase: First-year students may borrow up to $2,000 above Cost of Attendance for the purchase of a required computer with submission of an original purchase receipt in the student’s name.

The Cost of Attendance Budget determines your maximum financial aid.
Total aid from combined sources, including loans, cannot exceed the school-approved Cost of Attendance budget.   The COA budget determines the maximum you can receive in financial aid, it is not a recommendation.  If you are using loans for your living expenses, we recommend that you budget to live under the Cost of Attendance so that you can minimize borrowing.

All costs may be subject to annual increase.  For a rough estimate of next year’s costs, add 3%.

Tuition Payment
Tuition charges are divided into two equal payments, the first in August, the second in January or February. Likewise, financial aid disbursements are divided into two equal payments and disbursed at the beginning of each semester.  If you withdraw, refund of tuition and fees is subject to the University’s refund policy.

In most cases, financial aid recipients should not use the tuition payment plan offered through Student Accounts.  Participation in a tuition payment plan may delay receipt of financial aid funds intended for living expenses.  If you apply for aid on a timely basis, you do not need to pay the portion of tuition charges that will be covered by financial aid.

Health Insurance

The University requires all students to have health insurance. All students must verify or obtain insurance coverage through the hard waiver process each summer.  The University offers a student health plan administered by Aetna Student Health.

Students are not required to enroll in the Aetna Student Health plan. However, the University encourages students and their families to compare their existing plan to the Aetna Student Health plan.  Students who lose their other health insurance mid-year (for example, due to turning 26 and losing parent coverage) may enroll in the Aetna plan upon loss of other coverage and pay a prorated premium.


Federal aid regulations mandate that financial aid offices develop annual cost of attendance budgets that define and limit expenses eligible for funding with financial aid.  If you know you will depend on financial aid, we urge you to keep the following points in mind as you consider life-style choices for the coming years of medical school:

Automobiles: Per federal regulation, there can be no specific allowance in standard financial aid budgets for the purchase or payment of a personal motor vehicle.  If you have a car payment, you will need to reduce your costs in other areas or get family help to cover them.

Single or Luxury Student Housing: Unless you are able to secure limited on-grounds housing, you will find it easier to share the cost of off-grounds accommodations with a roommate or roommates to stay within the recommended housing allowance included in the budget.  The living expense figure is designed to cover reasonable and comfortable living in student-dominated neighborhoods, but is not designed to cover luxury apartment buildings or amenities.

Students With Dependents: Medical students who have dependents but have no personal resources, no spousal income and no parental assistance will find that trying to live exclusively on the student’s financial aid can place extreme stress on family relationships and academic performance.  Financial aid is not intended to support families; federal regulations require that schools include only those expenses directly related to the student’s education in the cost of attendance budget. With documentation, child care costs while a spouse works or single parent student is in school may be accommodated in the budget up to a maximum of $1000 per month per child, which will allow you to borrow loans to cover these costs.  If you have dependents, we suggest that you contact your Financial Aid Office early in your planning to arrange an appointment with a financial aid counselor.  If you are married, we encourage you to bring your spouse with you.

Prior debts are not covered.  Pay them off before you start medical school!
Please be aware that payments for prior debts – consumer loans, credit cards, etc. – cannot be accommodated in financial aid budgets.  We strongly recommend that you eliminate them before you begin medical school.  Students who enter school with large outstanding consumer debts are likely to experience financial difficulty throughout enrollment.