MD Program
Cost of Attendance
Morsani College of Medicine Doctor of Medicine (MD)
The Cost of Attendance (COA) represents the estimated total cost to attend the Morsani College of Medicine Doctor of Medicine (MD) program for a specific academic year.
The COA is established by the University of South Florida Office of Financial Aid as a reasonable estimate of educational expenses incurred during periods of enrollment and is used to determine financial aid eligibility.
The Cost of Attendance includes the following types of expenses:
Billable expenses charged by the university
Non-billable educational and living expenses
The Cost of Attendance is not a bill, and actual expenses may vary based on individual circumstances, housing arrangements, enrollment patterns, and personal spending decisions.
Students with extenuating circumstances may contact the USF Health Office of Financial Aid to request a review with supporting documentation.
Planning for Your Costs
Graduate and professional students should plan ahead for both direct educational costs and indirect living expenses throughout their program.
Students are encouraged to:
Review Cost of Attendance information carefully
Develop a personal budget for each academic year
Plan for future enrollment periods and educational expenses
The USF Health Office of Financial Aid is available to assist students in understanding educational costs and available funding options.
Important Update (2026–2027 Academic Year)
Federal student loan regulations are changing. These updates may affect:
Federal borrowing limits
Graduate PLUS Loan eligibility
Overall funding options for some graduate and professional students
Federal borrowing eligibility and loan options may vary based on individual circumstances and applicable federal regulations.
Students are encouraged to review financial aid offers carefully and plan ahead for future enrollment periods.
Understanding Your Cost of Attendance
The Cost of Attendance is used to determine the maximum amount of financial aid a student may be eligible to receive during an academic year.
The Cost of Attendance may include estimated expenses related to the following categories:
Tuition and fees
Housing and food
Books and supplies
Transportation
Personal expenses
Loan fees, if applicable
Some students may also incur additional educational expenses related to:
Clinical experiences
Licensure requirements
Professional equipment and supplies
Board examination preparation and testing fees
Actual expenses may vary among students depending on individual circumstances and enrollment patterns.
Understanding Your Budget Components
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Tuition for Florida State Medical schools is a flat yearly rate, regardless of the actual hours a student is enrolled. Tuition and Fees are estimated in the Cost of Attendance using the prior aid year’s tuition and fees. For more information about tuition, fees, and payments, please visit the Registrar’s Tuition Information Page.
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These are the cost estimates that the average student may incur during each year of enrollment in the Morsani College of Medicine. While actual expenses will vary among students, the estimated total cost of living will allow for a moderate standard of living. The calculation for housing expenses is one-half of the average rental rate, plus utilities for a two-bedroom apartment within a 10-mile radius of the downtown and Lehigh Valley locations. Students are expected to share living facilities to help reduce expenses. Students should budget and plan accordingly for expenses incurred during periods of non-enrollment.
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Actual prices of required texts for each class are included. In addition, this component includes an allowance for tool kits and miscellaneous supplies. The cost for a computer/laptop is not included in the standard cost of attendance but can be included on a case-by-case basis. Students should contact the financial aid office to explore this option.
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The estimated cost in this category includes expenses for entertainment, laundry, personal hygiene, medical and dental care, required immunizations, screenings, and background checks. It also covers the cost of required health and disability insurance. Additionally, expenses related to the U.S. Medical Licensing Examinations Step I & II, NRMP, and ERAS are included in the year they are incurred.
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Commuting costs (to and from campus) are included in the transportation component. Travel costs to area hospitals and clinical sites are also included. The cost of parking downtown is also included in this category. A one-time relocation travel cost of $1,500 is included for year III SELECT students. A one-time Capstone travel cost of $1000 is included for SELECT year IV to offset the travel cost to Tampa for the Capstone Class.
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Federal loan fees are determined based on the average fees incurred by similarly classified borrowers during the previous academic year. These fees will be added if the student borrows federal loans.
2026–2027 Estimated Annual Cost of Attendance
Select your program year below to view estimated costs based on residency status and enrollment structure.
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Review the table below for your estimated costs as a Florida or Non-Florida resident for the selected academic year.
Florida Resident
Off-campusFall 26
Spring 27
Total for Current Academic Year
Billable Expenses
Tuition
& Fees
$16,863
$16,863
$33,726
Total Billable Expenses
$16,863
$16,863
$33,726
Non-Billable Expenses
Housing
$7,000
$7,000
$14,000
Food
$3,606
$3,606
$7,212
Books &
Supplies
$1,298
$90
$1,388
Transportation
$2,700
$2,555
$5,255
Personal
Allowances
$3,845
$3,568
$7,413
Total Non-Billable Expenses
$18,449
$16,819
$35,268
Total Cost of Attendance (COA)
$35,312
$33,682
$68,994
Non-Florida Resident
Off-campusFall 26
Spring 27
Total for Current Academic Year
Billable Expenses
Tuition
& Fees
$30,266
$30,266
$60,532
Total Billable Expenses
$30,266
$30,266
$60,532
Non-Billable Expenses
Housing
$7,000
$7,000
$14,000
Food
$3,606
$3,606
$7,212
Books &
Supplies
$1,298
$90
$1,388
Transportation
$2,700
$2,555
$5,255
Personal
Allowances
$3,845
$3,568
$7,413
Total Non-Billable Expenses
$18,449
$16,819
$35,268
Total Cost of Attendance (COA)
$48,715
$47,085
$95,800
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Some students may have a summer enrollment component. If applicable, select the “Summer Option” for your program year. Review the table below for your estimated costs as a Florida or Non-Florida resident for the selected academic year.
Florida Resident
Off-campusFall 26
Spring 27
Summer 27
Total for Current Academic Year
Billable Expenses
Tuition
& Fees
$16,863
$16,863
$0
$16,863
Total Billable Expenses
$16,863
$16,863
$0
$33,726
Non-Billable Expenses
Housing
$7,000
$7,000
$2,800
$9,800
Food
$3,606
$3,606
$1,443
$5,049
Books
& Supplies
$1,298
$90
$40
$130
Transportation
$2,700
$2,555
$870
$3,425
Personal
Allowances
$3,845
$3,568
$744
$4,312
Total Non-Billable Expenses
$18,449
$16,819
$5,897
$22,716
Total Cost of Attendance (COA)
$35,312
$33,682
$5,897
$56,442
Non-Florida Resident
Off-campusFall 26
Spring 27
Summer 27
Total for Current Academic Year
Billable Expenses
Tuition
& Fees
$30,266
$30,266
$0
$30,266
Total Billable Expenses
$30,266
$30,266
$0
$60,532
Non-Billable Expenses
Housing
$7,000
$7,000
$2,800
$9,800
Food
$3,606
$3,606
$186
$3,792
Books
& Supplies
$1,298
$90
$40
$130
Transportation
$2,700
$2,555
$870
$3,425
Personal
Allowances
$3,845
$3,568
$744
$4,312
Total Non-Billable Expenses
$18,449
$16,819
$4,640
$21,459
Total Cost of Attendance (COA)
$48,715
$47,085
$4,640
$81,991
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Review the table below for your estimated costs as a Florida or Non-Florida resident for the selected academic year.
Florida Resident
Off-campusFall 26
Spring 27
Total for Current Academic Year
Billable Expenses
Tuition
& Fees
$16,863
$16,863
$33,726
Total Billable Expenses
$16,863
$16,863
$33,726
Non-Billable Expenses
Housing
$7,000
$8,400
$15,400
Food
$3,606
$4,328
$7,934
Books
& Supplies
$2,009
$110
$2,119
Transportation
$2,628
$3,095
$5,723
Personal
Allowances
$4,695
$3,940
$8,635
Total Non-Billable Expenses
$19,938
$19,873
$39,811
Total Cost of Attendance (COA)
$36,801
$36,736
$73,537
Non-Florida Resident
Off-campusFall 26
Spring 27
Total for Current Academic Year
Billable Expenses
Tuition
& Fees
$30,266
$30,266
$60,532
Total Billable Expenses
$30,266
$30,266
$60,532
Non-Billable Expenses
Housing
$7,000
$8,400
$15,400
Food
$3,606
$4,328
$7,934
Books
& Supplies
$2,009
$110
$2,119
Transportation
$2,628
$3,095
$5,723
Personal
Allowances
$4,695
$3,940
$8,635
Total Non-Billable Expenses
$19,938
$19,873
$39,811
Total Cost of Attendance (COA)
$50,204
$50,139
$100,343
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Review the table below for your estimated costs as a Florida or Non-Florida resident for the selected academic year.
Florida Resident
Off-campusFall 26
Spring 27
Total for Current Academic Year
Billable Expenses
Tuition
& Fees
$16,863
$16,863
$33,726
Total Billable Expenses
$16,863
$16,863
$33,726
Non-Billable Expenses
Housing
$9,800
$7,000
$16,800
Food
$5,049
$3,606
$8,655
Books
& Supplies
$1,741
$100
$1,841
Transportation
$2,280
$1,700
$3,980
Personal
Allowances
$5,532
$3,754
$9,286
Total Non-Billable Expenses
$24,402
$16,160
$40,562
Total Cost of Attendance (COA)
$41,265
$33,023
$74,288
Non-Florida Resident
Off-campusFall 26
Spring 27
Total for Current Academic Year
Billable Expenses
Tuition
& Fees
$30,266
$30,266
$60,532
Total Billable Expenses
$30,266
$30,266
$60,532
Non-Billable Expenses
Housing
$9,800
$7,000
$16,800
Food
$5,049
$3,606
$8,655
Books
& Supplies
$1,741
$100
$1,841
Transportation
$2,280
$1,700
$3,980
Personal
Allowances
$5,532
$3,754
$9,286
Total Non-Billable Expenses
$24,402
$16,160
$40,562
Total Cost of Attendance (COA)
$54,668
$46,426
$101,094
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Review the table below for your estimated costs as a Florida or Non-Florida resident for the selected academic year.
Florida Resident
Off-campusFall 26
Spring 27
Total for Current Academic Year
Billable Expenses
Tuition
& Fees
$16,863
$16,863
$33,726
Total Billable Expenses
$16,863
$16,863
$33,726
Non-Billable Expenses
Housing
$9,800
$5,600
$15,400
Food
$5,049
$2,885
$7,934
Books
& Supplies
$140
$80
$220
Transportation
$3,904
$1,874
$5,778
Personal
Allowances
$5,974
$3,382
$9,356
Total Non-Billable Expenses
$24,867
$13,821
$38,688
Total Cost of Attendance (COA)
$41,730
$30,684
$72,414
Non-Florida Resident
Off-campusFall 26
Spring 27
Total for Current Academic Year
Billable Expenses
Tuition
& Fees
$30,266
$30,266
$60,532
Total Billable Expenses
$30,266
$30,266
$60,532
Non-Billable Expenses
Housing
$9,800
$5,600
$15,400
Food
$5,049
$2,885
$7,934
Books
& Supplies
$140
$80
$220
Transportation
$3,904
$1,874
$5,778
Personal
Allowances
$5,974
$3,382
$9,356
Total Non-Billable Expenses
$24,867
$13,821
$38,688
Total Cost of Attendance (COA)
$55,133
$44,087
$99,220
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Review the table below for your estimated costs as a Florida or Non-Florida resident for the selected academic year.
Non-Florida Resident
Off-campusFall 26
Spring 27
Total for Current Academic Year
Billable Expenses
Tuition
& Fees
$30,266
$30,266
$60,532
Total Billable Expenses
$30,266
$30,266
$60,532
Non-Billable Expenses
Housing
$8,316
$4,752
$13,068
Food
$5,049
$2,885
$7,934
Books
& Supplies
$140
$80
$220
Transportation
$3,654
$2,624
$6,278
Personal
Allowances
$5,974
$3,382
$9,356
Total Non-Billable Expenses
$23,133
$13,723
$36,856
Total Cost of Attendance (COA)
$53,399
$43,989
$97,388
2025-2026 Estimated Annual Cost of Attendance:
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CORE 10 Months of Enrollment; Fall and Spring only
CORE Florida Resident Off-campus Fall Spring Total Billable Expenses Tuition & Fees $16,863 $16,863 $33,726 Total Billable Expenses $16,863 $16,863 $33,726 Non-Billable Expenses Housing $8,210 $8,210 $16,420 Food $3,500 $3,500 $7,000 Books & Supplies $1,787 $90 $1,877 Transportation $2,650 $2,510 $5,160 Personal Allowances $4,453 $3,338 $7,791 Total Non-Billable Expenses $20,600 $17,648 $38,248 Total Cost of Attendance (COA) $37,463 $34,511 $71,974 CORE Non-Florida Resident Off-campus Fall Spring Total Billable Expenses Tuition & Fees $28,518 $28,518 $57,036 Total Billable Expenses $28,518 $28,518 $57,036 Non-Billable Expenses Housing $8,210 $8,210 $16,420 Food $3,500 $3,500 $7,000 Books & Supplies $1,787 $90 $1,877 Transportation $2,650 $2,510 $5,160 Personal Allowances $4,453 $3,338 $7,791 Total Non-Billable Expenses $20,600 $17,648 $38,248 Total Cost of Attendance (COA) $49,118 $46,166 $95,284 -
Includes optional Summer course
CORE Florida Resident Off-campus Fall Spring Summer Total Billable Expenses Tuition & Fees $16,863 $16,863 $0 $33,726 Total Billable Expenses $16,863 $16,863 $0 $33,726 Non-Billable Expenses Housing
$8,210 $8,210 $3,284 $19,704 Food $3,500 $3,500 $1,400 $8,400 Books & Supplies $1,787 $90 $40 $1,917 Transportation $2,650 $2,510 $840 $6,000 Personal Allowances
$4,453 $3,338 $736 $8,527 Total Non-Billable Expenses $20,600 $17,648 $6,300 $44,548 Total Cost of Attendance (COA) $37,463 $34,511 $6,300 $78,274 CORE Non-Florida Resident Off-campus Fall Spring Summer Total Billable Expenses Tuition & Fees $28,518 $28,518 $0 $57,036 Total Billable Expenses $28,518 $28,518 $0 $57,036 Non-Billable Expenses Housing $8,210 $8,210 $3,284 $19,704 Food $3,500 $3,500 $1,400 $8,400 Books & Supplies $1,787 $90 $40 $1,917 Transportation $2,650 $2,510 $840 $6,000 Personal Allowances $4,453 $3,338 $736 $8,527 Total Non-Billable Expenses $20,600 $17,648 $6,300 $44,548 Total Cost of Attendance (COA) $49,118 $46,166 $6,300 $101,584 -
CORE Florida Resident Off-campus
Fall Spring Total Billable Expenses Tuition & Fees $16,863 $16,863 $33,726 Total Billable Expenses $16,863 $16,863 $33,726 Non-Billable Expenses Housing $8,210 $8,210 $16,420 Food $3,500 $3,500 $7,000 Books & Supplies $1,676 $105 $1,781 Transportation $2,580 $2,720 $5,300 Personal Allowances $4,441 $3,614 $8,055 Total Non-Billable Expenses $20,407 $18,149 $38,556 Total Cost of Attendance (COA) $37,270 $35,012 $72,282 CORE Non-Florida Resident Off-campus Fall Spring Total Billable Expenses Tuition & Fees $28,518 $28,518 $57,036 Total Billable Expenses $28,518 $28,518 $57,036 Non-Billable Expenses Housing $8,210 $8,210 $16,420 Food $3,500 $3,500 $7,000 Books & Supplies $1,676 $105 $1,781 Transportation $2,580 $2,720 $5,300 Personal Allowances $4,441 $3,614 $8,055 Total Non-Billable Expenses $20,407 $18,149 $38,556 Total Cost of Attendance (COA) $48,925 $46,667 $95,592 -
CORE Florida Resident Off-campus Fall Spring Total Billable Expenses Tuition & Fees $16,863 $16,863 $33,726 Total Billable Expenses $16,863 $16,863 $33,726 Non-Billable Expenses Housing $9,852 $9,852 $19,704 Food $4,200 $4,200 $8,400 Books & Supplies $838 $120 $958 Transportation $1,930 $1,930 $3,860 Personal Allowances $4,909 $3,890 $8,799 Total Non-Billable Expenses $21,729 $19,992 $41,721 Total Cost of Attendance (COA) $38,592 $36,855 $75,447 CORE Non-Florida Resident Off-campus
Fall Spring Total Billable Expenses Tuition & Fees $28,518 $28,518 $57,036 Total Billable Expenses $28,518 $28,518 $57,036 Non-Billable Expenses Housing
$9,852 $9,852 $19,704 Food $4,200 $4,200 $8,400 Books & Supplies $838 $120 $958 Transportation $1,930 $1,930 $3,860 Personal Allowances $4,909 $3,890 $8,799 Total Non-Billable Expenses $21,729 $19,992 $41,721 Total Cost of Attendance (COA) $50,247 $48,510 $98,757 -
SELECT Non-Florida Resident Off-campus Fall Spring Total Billable Expenses Tuition & Fees $28,518 $28,518 $57,036 Total Billable Expenses $28,518 $28,518 $57,036 Non-Billable Expenses Housing $7,128 $7,128 $14,256 Food $4,200 $4,200 $8,400 Books & Supplies $838 $120 $958 Transportation $3,180 $1,680 $4,860 Personal Allowances $4,909 $3,890 $8,799 Total Non-Billable Expenses $20,255 $17,018 $37,273 Total Cost of Attendance (COA) $48,773 $45,536 $94,309 -
CORE Florida Resident Off-campus Fall Spring Total Billable Expenses Tuition & Fees $16,863 $16,863 $33,726 Total Billable Expenses $16,863 $16,863 $33,726 Non-Billable Expenses Housing $9,852 $8,210 $18,062 Food $4,200 $3,500 $7,700 Books & Supplies $120 $95 $215 Transportation $2,770 $1,720 $4,490 Personal Allowances $5,366 $3,430 $8,796 Total Non-Billable Expenses $22,308 $16,955 $39,263 Total Cost of Attendance (COA)
$39,171 $33,818 $72,989 CORE Non-Florida Resident Off-campus Fall Spring Total Billable Expenses Tuition & Fees $28,518 $28,518 $57,036 Total Billable Expenses $28,518 $28,518 $57,036 Non-Billable Expenses Housing $9,852 $8,210 $18,062 Food $4,200 $3,500 $7,700 Books & Supplies $120 $95 $215 Transportation $2,770 $1,720 $4,490 Personal Allowances $5,366 $3,430 $8,796 Total Non-Billable Expenses $22,308 $16,955 $39,263 Total Cost of Attendance (COA) $50,826 $45,473 $96,299 -
SELECT Non-Florida Resident Off-campus Fall Spring Total Billable Expenses Tuition & Fees $28,518 $28,518 $57,036 Total Billable Expenses $28,518 $28,518 $57,036 Non-Billable Expenses Housing $7,128 $5,940 $13,068 Food $4,200 $3,500 $7,700 Books & Supplies $120 $95 $215 Transportation $2,520 $2,470 $4,990 Personal Allowances $5,366 $3,430 $8,796 Total Non-Billable Expenses $19,334 $15,435 $34,769 Total Cost of Attendance (COA) $47,852 $43,953 $91,805
What This Means for You
Your Cost of Attendance establishes the maximum amount of financial aid you may be eligible to receive for the applicable academic period.
Funding options and borrowing eligibility may vary based on individual circumstances and applicable federal regulations.
Students may need to use a combination of financial resources to help cover educational expenses throughout their program.
We encourage students to take the following steps when planning for educational expenses:
Review Cost of Attendance information carefully
Compare available funding options
Understand long-term borrowing responsibilities
Plan ahead for future academic years
Students with questions regarding educational expenses or funding options should contact the USF Health Office of Financial Aid for individualized assistance.