Cost of Attendance

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 Costs

    These 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 Costs

    These 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 Costs

    These 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 Costs

    These 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 Costs

    These 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 Costs

    These 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 Costs

    These 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 Costs

    These 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 Costs

    These 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 19 due date and in November with a November 27 due date).

    Category Total
    Tuition $70,650
    Directs Costs Total $70,650


    Indirect/Variable Costs

    These 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 Costs

    These 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.