The annual cost of attendance, also referred to as the "student budget," represents the allowable costs for one academic year of study. These costs include tuition and fees; books, supplies, and equipment; a reasonable living allowance (food and housing) transportation, and miscellaneous personal expenses. The standard amount used by the medical school for living expenses is based on reasonable preferences and not on an individual's lifestyle and spending habits.
MD Degree 2023-24 Cost of Attendance Estimates
Tuition includes student fees and is subject to annual review and change by the Western Michigan University Homer Stryker M.D. School of Medicine Board of Directors.
- M1 (11 months, July-June)
Direct Costs
These costs are set by the medical school and will appear on your student account. Half of the tuition and textbooks are charged twice a year (during your M1 year, bills will be generated in June with a July 5 due date and in December with a January 17 due date).
Category Total Tuition $67,000 Textbooks $893 Directs Costs Total $67,893
Indirect/Variable CostsThese estimated costs are based on averages for each of the categories as determined by surveying students in your program and external research. These estimated expenses are not billed to you by the medical school, but can be used to help you budget your living expenses for the year.
Category Total Living Expenses (Food and Housing) $17,050 Personal $3,300 Books, Supplies (Learning Materials) $1,503 Transportation $3,960 Federal Student Loan Fees $1,828 Indirect/Variable Costs Total $27,641 Cost of Attendance Total (Direct and Indirect) $95,534
Federal student loan fees are based on average loan amounts borrowed in previous academic year. The 2023-24 federal Direct Loan origination fees are currently 1.057% for Unsubsidized loans, and 4.228% for Grad PLUS Loans. The fees are subtracted from the amount of loan money borrowed.The cost to purchase a computer or health insurance premiums (for the student only) may be added on a case-by-case basis by submitting an Appeal for Individual Budget Increase form with proof of payment.
The medical school provides students with disability insurance and professional liability (malpractice) insurance.
- M2 (10 months, Late June-June)
Direct Costs
These costs are set by the medical school and will appear on your student account. Half of the tuition and textbooks are charged twice a year (during your M2 year, bills will be generated in June with a July 5 due date and in December with a January 10 due date).
Category Total Tuition $68,600 Textbooks $499 Directs Costs Total $69,099
Indirect/Variable CostsThese estimated costs are based on averages for each of the categories as determined by surveying students in your program and external research. These estimated expenses are not billed to you by the medical school, but can be used to help you budget your living expenses for the year.
Category Total Living Expenses (Food and Housing) $15,500 Personal $3,000 Books, Supplies (Learning Materials) $1,063 Transportation $3,600 USMLE Step 1 Exam Fee $675 Federal Student Loan Fees $1,845 Indirect/Variable Costs Total $25,683 Cost of Attendance Total (Direct and Indirect) $94,782
Federal student loan fees are based on average loan amounts borrowed in previous academic year. The 2023-24 federal Direct Loan origination fees are currently 1.057% for Unsubsidized loans, and 4.228% for Grad PLUS Loans. The fees are subtracted from the amount of loan money borrowed.The cost to purchase a computer or health insurance premiums (for the student only) may be added on a case-by-case basis by submitting an Appeal for Individual Budget Increase form with proof of payment.
The medical school provides students with disability insurance and professional liability (malpractice) insurance.
- M3 (11 months, July-May)
Direct Costs
These costs are set by the medical school and will appear on your student account. Half of the tuition and textbooks are charged twice a year (during your M3 year, bills will be generated in June with a July 12 due date and in December with a January 17 due date).
Category Total Tuition $68,600 Textbooks $499 Directs Costs Total $69,099
Indirect/Variable CostsThese estimated costs are based on averages for each of the categories as determined by surveying students in your program and external research. These estimated expenses are not billed to you by the medical school, but can be used to help you budget your living expenses for the year.
Category Total Living Expenses (Food and Housing) $17,050 Personal $3,300 Books, Supplies (Learning Materials) $436 Transportation $5,170 USMLE Step 2 Exam Fee $675 Federal Student Loan Fees $1,700 Indirect/Variable Costs Total $28,331 Cost of Attendance Total (Direct and Indirect) $97,430
Federal student loan fees are based on average loan amounts borrowed in previous academic year. The 2023-24 federal Direct Loan origination fees are currently 1.057% for Unsubsidized loans, and 4.228% for Grad PLUS Loans. The fees are subtracted from the amount of loan money borrowed.The cost to purchase a computer or health insurance premiums (for the student only) may be added on a case-by-case basis by submitting an Appeal for Individual Budget Increase form with proof of payment.
The medical school provides students with disability insurance and professional liability (malpractice) insurance.
- M4 (12 months, June-May)
Direct Costs
The cost is set by the medical school and will appear on your student account. Half of the tuition is charged twice a year (during your M4 year, bills will be generated in May with a June 14 due date and in November with a November 29 due date).
Category Total Tuition $68,600 Directs Costs Total $68,600
Indirect/Variable CostsThese estimated costs are based on averages for each of the categories as determined by surveying students in your program and external research. These estimated expenses are not billed to you by the medical school, but can be used to help you budget your living expenses for the year.
Category Total Living Expenses (Food and Housing) $18,600 Personal $3,600 Books, Supplies (Learning Materials) $436 Transportation $5,640 Residency Interviews/ERAS Application Fees $1,500 Federal Student Loan Fees $1,748 Indirect/Variable Costs Total $31,524 Cost of Attendance Total (Direct and Indirect) $100,124
Federal student loan fees are based on average loan amounts borrowed in previous academic year. The 2023-24 federal Direct Loan origination fees are currently 1.057% for Unsubsidized loans, and 4.228% for Grad PLUS Loans. The fees are subtracted from the amount of loan money borrowed.The cost to purchase a computer or health insurance premiums (for the student only) may be added on a case-by-case basis by submitting an Appeal for Individual Budget Increase form with proof of payment.
The medical school provides students with disability insurance and professional liability (malpractice) insurance.
Master's Degree 2023-2024 Cost of Attendance Estimates
Tuition rates are subject to annual review and change by the Western Michigan University Homer Stryker M.D. School of Medicine Board of Directors.
- Biomedical Sciences (9 months, July-May)
Direct Costs
These costs are set by the medical school and will appear on your student account. Half of the tuition and textbooks are charged twice a year (bills will be generated in June with a July 5 due date and in December with a January 17 due date).
Category Total Tuition $33,000 Textbooks $220 Directs Costs Total $33,220
Indirect/Variable CostsThese estimated costs are based on averages for each of the categories as determined by surveying students at the medical school and external research. These estimated expenses are not billed to you by the medical school, but can be used to help you budget your living expenses for the year.
Category Total Living Expenses (Food and Housing) $13,950 Personal $2,700 Books, Supplies (Learning Materials) $823 Computer $3,000 Transportation $3,240 Indirect/Variable Costs Total $23,713 Cost of Attendance Total (Direct and Indirect) $56,933
Federal student loan fees are calculated on a case-by-case and based on the federal Direct Unsubsidized loan eligibility in the program. The 2023-24 federal Direct Loan origination fee is currently 1.057% for Unsubsidized loans 4.228% and is subtracted from the amount of loan money borrowed.The cost of health insurance premiums (for the student only) may be added on a case-by-case basis by submitting an Appeal for Individual Budget Increase form with proof of payment.
- Medical Engineering 2nd Year (8 months, September-April)
Direct Costs
These costs are set by the medical school and will appear on your student account. Half of the tuition and fees are charged twice a year (bills will be generated in August with an August 30 due date and in December with a January 8 due date).
Category Total Tuition ($1,100 per credit hour) $13,200 Student Fees $1,500 Directs Costs Total $14,700
Indirect/Variable CostsThese estimated costs are based on averages for each of the categories as determined by surveying students at the medical school and external research. These estimated expenses are not billed to you by the medical school, but can be used to help you budget your living expenses for the year.
Category Total Living Expenses (Food and Housing) $12,400 Personal $2,400 Books, Supplies (Learning Materials) $672 Transportation $2,880 Indirect/Variable Costs Total $18,352 Cost of Attendance Total (Direct and Indirect) $33,052
Federal student loan fees will be added using actual amounts borrowed in the federal Direct Unsubsidized and Grad PLUS loan programs according to the allowable annual and aggregate limits for degree-seeking graduate students. The 2023-24 federal Direct Loan origination fees are currently 1.057% for Unsubsidized loans, and 4.228% for Grad PLUS Loans. The fees are subtracted from the amount of loan money borrowed.The cost of health insurance premiums (for the student only) may be added on a case-by-case basis by submitting an Appeal for Individual Budget Increase form with proof of payment.
MD Degree 2024-25 Cost of Attendance Estimates
Tuition includes student fees and is subject to annual review and change by the Western Michigan University Homer Stryker M.D. School of Medicine Board of Directors.
- M1 (11 months, July-June)
Direct Costs
These costs are set by the medical school and will appear on your student account. Half of the tuition and textbooks are charged twice a year (during your M1 year, bills will be generated in June with a July 3 due date and in December with a January 15 due date).
Category Total Tuition $68,400 Textbooks $1,483 Directs Costs Total $69,883
Indirect/Variable CostsThese estimated costs are based on averages for each of the categories as determined by surveying students in your program and external research. These estimated expenses are not billed to you by the medical school, but can be used to help you budget your living expenses for the year.
Category Total Living Expenses (Food and Housing) $17,600 Personal $3,740 Books, Supplies (Learning Materials) $2,437 Transportation $3,960 Federal Student Loan Fees $1,927 Indirect/Variable Costs Total $29,664 Cost of Attendance Total (Direct and Indirect) $98,064
Federal student loan fees are based on average loan amounts borrowed in previous academic year. The 2023-24 federal Direct Loan origination fees are currently 1.057% for Unsubsidized loans, and 4.228% for Grad PLUS Loans. The fees are subtracted from the amount of loan money borrowed. *2024-25 Direct Loan origination fees and interest rates will be established in late spring or early summer.The cost to purchase a computer or health insurance premiums (for the student only) may be added on a case-by-case basis by submitting an Appeal for Individual Budget Increase form with proof of payment.
The medical school provides students with disability insurance and professional liability (malpractice) insurance.
- M2 (11 months, Late July-June)
Direct Costs
These costs are set by the medical school and will appear on your student account. Half of the tuition and textbooks are charged twice a year (during your M2 year, bills will be generated in June with a July 17 due date and in December with a January 15 due date).
Category Total Tuition $69,000 Textbooks $519 Directs Costs Total $69,519
Indirect/Variable CostsThese estimated costs are based on averages for each of the categories as determined by surveying students in your program and external research. These estimated expenses are not billed to you by the medical school, but can be used to help you budget your living expenses for the year.
Category Total Living Expenses (Food and Housing) $17,600 Personal $3,740 Books, Supplies (Learning Materials) $1,451 Transportation $3,960 USMLE Step 1 Exam Fee $790 Federal Student Loan Fees $1,999 Indirect/Variable Costs Total $29,540 Cost of Attendance Total (Direct and Indirect) $98,540
Federal student loan fees are based on average loan amounts borrowed in previous academic year. The 2023-24 federal Direct Loan origination fees are currently 1.057% for Unsubsidized loans, and 4.228% for Grad PLUS Loans. The fees are subtracted from the amount of loan money borrowed. *2024-25 Direct Loan origination fees and interest rates will be established in late spring or early summer.The cost to purchase a computer or health insurance premiums (for the student only) may be added on a case-by-case basis by submitting an Appeal for Individual Budget Increase form with proof of payment.
The medical school provides students with disability insurance and professional liability (malpractice) insurance.
- M3 (12 months, June-May)
Direct Costs
These costs are set by the medical school and will appear on your student account. Half of the tuition and textbooks are charged twice a year (during your M3 year, bills will be generated in June with a June 19 due date and in December with a January 15 due date).
Category Total Tuition $70,650 Textbooks $499 Directs Costs Total $71,149
Indirect/Variable CostsThese estimated costs are based on averages for each of the categories as determined by surveying students in your program and external research. These estimated expenses are not billed to you by the medical school, but can be used to help you budget your living expenses for the year.
Category Total Living Expenses (Food and Housing) $19,200 Personal $4,080 Books, Supplies (Learning Materials) $935 Transportation $5,640 USMLE Step 2 Exam Fee $700 Federal Student Loan Fees $2,091 Indirect/Variable Costs Total $32,646 Cost of Attendance Total (Direct and Indirect) $103,296
Federal student loan fees are based on average loan amounts borrowed in previous academic year. The 2023-24 federal Direct Loan origination fees are currently 1.057% for Unsubsidized loans, and 4.228% for Grad PLUS Loans. The fees are subtracted from the amount of loan money borrowed. *2024-25 Direct Loan origination fees and interest rates will be established in late spring or early summer.The cost to purchase a computer or health insurance premiums (for the student only) may be added on a case-by-case basis by submitting an Appeal for Individual Budget Increase form with proof of payment.
The medical school provides students with disability insurance and professional liability (malpractice) insurance.
- M4 (12 months, June-May)
Direct Costs
The cost is set by the medical school and will appear on your student account. Half of the tuition is charged twice a year (during your M4 year, bills will be generated in May with a June 12 due date and in November with a November 27 due date).
Category Total Tuition $70,650 Directs Costs Total $70,650
Indirect/Variable CostsThese estimated costs are based on averages for each of the categories as determined by surveying students in your program and external research. These estimated expenses are not billed to you by the medical school, but can be used to help you budget your living expenses for the year.
Category Total Living Expenses (Food and Housing) $19,200 Personal $4,080 Books, Supplies (Learning Materials) $436 Transportation $5,640 Residency Interviews/ERAS Application Fees $1,700 Federal Student Loan Fees $1,804 Indirect/Variable Costs Total $32,860 Cost of Attendance Total (Direct and Indirect) $103,710
Federal student loan fees are based on average loan amounts borrowed in previous academic year. The 2023-24 federal Direct Loan origination fees are currently 1.057% for Unsubsidized loans, and 4.228% for Grad PLUS Loans. The fees are subtracted from the amount of loan money borrowed. *2024-25 Direct Loan origination fees and interest rates will be established in late spring or early summer.The cost to purchase a computer or health insurance premiums (for the student only) may be added on a case-by-case basis by submitting an Appeal for Individual Budget Increase form with proof of payment.
The medical school provides students with disability insurance and professional liability (malpractice) insurance.
Master's Degree 2024-2025 Cost of Attendance Estimates
Tuition rates are subject to annual review and change by the Western Michigan University Homer Stryker M.D. School of Medicine Board of Directors.
- Biomedical Sciences (9 months, July-May)
Direct Costs
These costs are set by the medical school and will appear on your student account. Half of the tuition and textbooks are charged twice a year (bills will be generated in June with a July 3 due date and in December with a January 15 due date).
Category Total Tuition $33,000 Textbooks $220 Directs Costs Total $33,220
Indirect/Variable CostsThese estimated costs are based on averages for each of the categories as determined by surveying students at the medical school and external research. These estimated expenses are not billed to you by the medical school, but can be used to help you budget your living expenses for the year.
Category Total Living Expenses (Food and Housing) $14,400 Personal $3,060 Books, Supplies (Learning Materials) $1,069 Computer $3,000 Transportation $3,240 Indirect/Variable Costs Total $24,769 Cost of Attendance Total (Direct and Indirect) $57,769
Federal student loan fees are calculated on a case-by-case and based on the federal Direct Unsubsidized loan eligibility in the program. The 2023-24 federal Direct Loan origination fee is currently 1.057% for Unsubsidized loans 4.228% and is subtracted from the amount of loan money borrowed. *2024-25 Direct Loan origination fees and interest rates will be established in late spring or early summer.The cost of health insurance premiums (for the student only) may be added on a case-by-case basis by submitting an Appeal for Individual Budget Increase form with proof of payment.
Appeal for an Individual Budget Increase
Students with additional education-related expenses may submit the form, Appeal for an Individual Budget Increase, as a request to the Office of Financial Aid for a budget increase. Examples of possible allowable additional budget expenses include: daycare during periods the student is enrolled and the partner is employed or enrolled; emergency medical or dental expenses not covered by insurance; disability-related expenses such as special equipment or services. The Office of Financial Aid reviews requests and makes decisions for individual budget increases on a case-by-case basis. Submission of a request does not assure approval. The decision of the Office of Financial Aid is final.