#3 Best Public Universities in Massachusetts

University of Massachusetts-Lowell Tuition & Cost

Lowell, Massachusetts

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How much does it cost to attend?

In State Massachusetts Resident Sticker Price

In State Costs for University of Massachusetts Lowell
Fee Cost
Other Fees$720
Books and Supplies$1,200
Room and Board $13,930
Other Expenses Budget$1,420

Out of State Resident Sticker Price

Out of State Costs for University of Massachusetts Lowell
Fee Cost
Other Fees$720
Books and Supplies$1,200
Room and Board $13,930
Other Expenses Budget$1,420

In-State Tuition

In-state tuition at University of Massachusetts Lowell for undergraduate students residing in Massachusetts is $15,462. Room and board charges total $13,930 per year. Students will also need to budget for books and supplies, which typically amount to $1,200 annually. Other administrative or academic fees are $720 for the year. Additionally, students should plan an estimated $1,420 for other miscellaneous expenses throughout the year. In sum, residents attending University of Massachusetts Lowell full time should expect a total annual cost of $32,732.

Out-of-State Tuition

Undergraduate tuition at University of Massachusetts Lowell is $33,830 for out-of-state students. Additionally, out-of-state students are charged $13,930 for room and board, $1,200 for textbooks and educational resources, plus fees of $720. Students are advised to budget $1,420 for other expenses. When these costs are combined, annual out-of-state charges total $51,100. This figure is 56.1% higher than what Massachusetts residents pay.

Housing Costs

On campus room and board is provided by the school at a cost of $13,930 per academic year. Students electing to live off campus elsewhere in Lowell should budget at least this amount.

Books and Supplies

The estimated annual cost for books and educational supplies is $1,200.

Other Living Expenses

If living on-campus, students should budget for $1,420 in additional living expenses. Off-campus students should budget for $1,920 in other miscellaneous living expenses.

All price data is sourced from the 2022/2023 U.S. Department of Education National Center for Education Statistics survey.
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Net Price

The average reported annual net price for University of Massachusetts Lowell for students receiving grants or scholarship aid was $17,240* in 2019/2020. Net price includes tuition and required fees, books and supplies, and average cost for room and board and other expenses.

Average Net Price 2019/2020


Below is the average net price by student family income.

Net Price by Income University of Massachusetts Lowell
Family Income Net Price Paid
$0 to $30,000$10,882
$30,001 to $48,000$11,405
$48,001 to $75,000$15,656
$75,001 to $110,000$20,372

The net price provides a more realistic estimate of the true cost of attending University of Massachusetts Lowell, once common grants and scholarships have been taken into account. It's important to note that your net price will fluctuate based on factors such as family income, assets and individual financial need. Net price is the out-of-pocket total cost that students end up paying or financing though student loans.

*Reported Average Annual Net Price for students receiving grant or scholarship aid reported to the U.S. Department of Education's Academic Year 2019/2020 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Note that for colleges with no reported on-campus room and board, the average net price has been increased to account for living expenses. This number may not only reflect the net price paid to the school for tuition.

Financial Aid

82% of full-time undergrad University of Massachusetts Lowell received financial aid in the form of grants, scholarships, fellowships from the institution or from Federal, State or local government agencies. This aid averaged $11,983 per student during the 2019/2020 school year. Grant and scholarship aid does not need to be paid back.

Pell Grants

31 percent of students received aid in the form of Pell Grants from the U.S. Federal Government. The average Pell Grant awarded for 2019/2020 was $4,955. To apply for a Pell Grant to attend University of Massachusetts Lowell, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Student Loans

64% of students received Federal Student Loans averaging $5,207 and 9% of undergrads took out private student loans averaging $14,681.

Finanical Aid University of Massachusetts Lowell
Type Avg./Student Students Receiving
Total Grant and Scholarship Aid $11,983 82%
Institutional Grants and Scholarships $8,108 76%
Pell Grants $4,955 31%
Other Federal Grants $2,149 57%
State and Local Grants $2,693 33%
Federal Student Loans $5,207 64%
Other Student Loans $14,681 9%

Financial Aid Mix - $32,732 In-State Total Cost

CollegeSimply has modeled example payment coverage for the annual in-state tuition and living expenses of $32,732. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.


Grants and Scholarships

38% - $11,983

Money granted to you by the U.S. Department of Education, University of Massachusetts Lowell or other organizations. These are not loans and do not need to be repaid.

Federal Student Loans

17% - $5,207

Low interest student loans funded by the U.S. Department of Education. This amount will need to be repaid.

Out of Pocket Cost

45% -  $14,122

Covered by family savings, work or private student loans which you will have to repay.

Student Loans

To gauge a more realistic picture of what it really could cost you out of pocket to go to University of Massachusetts Lowell, we've modeled a ten year student loan with an original principal value of $68,960. The loan balance of $68,960 is a four year multiple of the $17,240 average net price. This is a estimate of what you could owe upon graduation if you were to qualify for average financial aid and what a degree really may cost. Should you not qualify for financial aid, you may owe significantly more when you graduate. Based on these assumptions, a monthly repayment of $784 could be required to pay off your student loan. The total of all payments including interest would sum $94,089.59.

Please note that financial aid is not guaranteed and is only available for qualifying students. Federal Student Loans are not grants and must be repaid with interest. The current Stafford loan interest rate is 6.53%.

Example Loan $68,960
Stafford Loan Interest Rate 6.53%
Time to Pay Off Student Loan 10 years
Example Monthly Payment $784.08
Total Interest Paid $25,129.59
Sum of All Loan Payments $94,089.59

Student Loan Affordability

In order to afford student loan payments and still meet all your other costs of living, it is recommended not to borrow more than you can pay back using 10% of your monthly income earned after graduation. If you're considering attending University of Massachusetts Lowell, should consider if it will be realistic to make the post graduation loan payments based on your expected salary.

Using the 10% of salary threshold, an annual income of $94,089.59 would be needed to afford a $784.08 monthly payment in the example $68,960.00 loan modeled above. This assumes a repayment over 10 years. You can change the terms of this example loan using the student loan calculator below. View statistics about University of Massachusetts Lowell student loan debt and graduate salaries under student outcomes.

Projected 4 Year Degree Price

4 Year Sticker Price

Year Massachusetts Residents Non Residents
1 $32,732 $51,100
2 $33,239 $51,892
3 $33,754 $52,696
4 $34,278 $53,513

Based on published tuition prices, we estimate the current cost of a 4 year bachelor's degree and living expenses at University of Massachusetts Lowell to be $130,928 - assuming graduation in normal time. The estimation assumes a 1.5% annual increase over the next 4 years which has been the recent trend for this school.

Credit Hour Cost and Price per Class

Credit Hour and Class Costs at University of Massachusetts Lowell
Price Per Credit 3 Credit Class 4 Credit Class
Massachusetts Residents $831 $2,493 $3,324
Out of State Residents $1,502 $4,506 $6,008

Estimated cost for a class at University of Massachusetts Lowell based on published credit hour prices. Note that not all schools allow single class enrollment. These prices should be used for comparison purposes as to how much it may cost to take a class at University of Massachusetts Lowell versus other colleges.

Tuition Payment Plans Available

University of Massachusetts Lowell Payment Plans
Tuition Payment Plan Yes
Prepaid Tuition Plan No
Alternative Tuition Plan Yes
Guaranteed Tuition Plan No

Tuition History

Historical in-state and out-of-state tuition and price increases for University of Massachusetts Lowell.

YearIn-StateOut-of-stateAnnual Increase
2021$15,078$33,004 0%
2020$15,078$33,004 0%
2019$15,078$33,004 2.5%
2018$14,710$32,357 2.5%
2017$14,350$31,415 3%
2016$13,932$30,500 858.2%
2015$1,454$8,567 0%
2014$1,454$8,567 0%

Is it Worth the Cost?

To make a comparative assessment if University of Massachusetts-Lowell is worth the price, measures of it's relative value for tuition dollar can be examined. We've calculated an academic national percentile rating of 59.35/100 for University of Massachusetts Lowell. Considering an average net price paid of $17,240, this leads to an overall value ranking of 55/100. This places the school 423rd on our national Best Value Colleges ranking as a provider of a very high value education compared to actual overall price paid.

College Savings Calculator

Plan and Save for College

Discover how much will you need to start saving now to afford University of Massachusetts Lowell in the future.

Student Loan Calculator

Estimate Loan Payments

Modify the loan assumptions to fit your financial situation and likely tuition price. Then calculate your payoff and loan payments for a University of Massachusetts Lowell student loan.

Prepayment Option

Costs for Similar Colleges 

Explore costs at colleges similar to University of Massachusetts-Lowell

Primary data source, U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=166513 IPEDS survey data for University of Massachusetts Lowell.

Last updated February 24, 2024