UNI Commencement

Cost of Attendance

When budgeting for college, you should consider both direct and indirect expenses. Direct expenses are those that are owed directly to UNI, and appear on your university bill (U-Bill). Indirect expenses are estimates of amounts you may spend on personal items such as books, gas, dining out, etc. The total amount of aid a student is offered will match the amount of the direct and indirect expenses.


2020-21 EXPENSES:

Iowa resident


Undergraduate tuition and mandatory fees



Room and board



Total direct tuition and fees



*2020-21 room and board based on double room and All-Access Meal Plan. See options at dor.uni.edu 

Undergraduate tuition based on 12 or more credit hours for the College of Social and Behavioral Sciences, College of Humanities, Arts and Sciences, College of Education, Exploratory and for freshmen and sophomores in the College of Business. Juniors and seniors in the College of Business have a different tuition rate. Visit tuition.uni.edu for details.


Indirect expenses




Personal expenses* 





Total indirect expenses



*Estimates will vary per person.

 Not owed to UNI.


 Total Cost of Attendance = Iowa resident $21,294

= Non-resident $31,836



Among Money Magazine's "Best Colleges For Your Money 2018”

Ranked in top quarter of all U.S. institutions in Money Magazines “2018 Best College for Your Money” 

One of “America's Best Bang for the Buck Colleges” by Washington Monthly


Consider the following options when planning to pay for college.



Do you have any family that is planning to contribute? If so, how much?


Consider any gifts that you’ve received that could help pay for school. Ex. Graduation gifts


Are you working a part-time job during high school or college? Setting a portion of this aside each paycheck can help with your bill!


Do you have any money in savings that could pay a portion? You could even just apply this to books!



Scholarships are a useful way to pay for school that you don’t have to pay back. Visit our scholarships webpage to learn more!


Grants are “free money” that you receive from the government that you don’t have to pay back. All you need to do is qualify and complete your FAFSA!

Payment Plans:

Payment plans are available with the university that break your bill down into equal chunks that are due each month. If you are working during the school year but don’t have enough saved up now, this is a great option to avoid taking out student loans.


Federal Direct Loans:

These loans are available on your Financial Aid Award after you complete your FAFSA. You do need to pay these back but they have low-interest with fixed rates.

Subsidized loans are the best because you don’t accrue interest while you’re a student.

Unsubsidized loans accrue interest while you’re in school

Parent PLUS Loan:

This is a federal loan that your parents take out to help you pay for school. If your parents want to do this, they will need to apply online.

Private Education Loans:

These are loans that are through private banks and lenders. These can only be done after all of your other financial aid is used.

Net Price Calculator - Estimate My AidDetermine the net price to attend UNI

Net Price Calculator and Automatic Award Calculator in one! This process will provide you with not only the net price to attend the University of Northern Iowa, but also the awards you will be automatically considered for when you apply for admission. In addition, you will be able to view the average Expected Family Contribution (EFC) for your income level. The EFC is calculated from the results of the Free Application for Federal Student Aid (FAFSA) and used to determine your actual financial aid award.

Live Like a Student

Live Like a Student” programming has been designed to provide students with a broad knowledge base concerning their personal finances while allowing for personalized attention to assist in finding the solutions that are best for them.

What does it mean to “Live Like a Student?” It means that students must make responsible decisions regarding money...

$ Budget and have financial goals.

$ Live within financial means.

$ Understand how actions today will affect the financial future.

Budget More, Borrow Less