Cost is one of the major factors that determines where — and if — you attend college after high school. If you intend to be a full-time undergraduate living on campus, there are a number of expenses that you’ll need to plan for.

Tuition
The main cost of attending school; tuition is determined by the number of credit hours you take in a semester

Fees
Total costs can vary; may include medical insurance, lab fees, transportation fees, and various student activity and service fees

Room and Board
This umbrella term covers the costs of your on-campus housing and meal plan

Books and Materials
Course textbooks (science and math books can be very pricey); studio and lab classes may require additional supplies

Just about every student combines funding from multiple sources. You may need to get creative and do a lot of legwork, but smaller amounts can really add up and help you get the bills paid.

Financial Aid
Awards provided by the school or by state and federal governments; includes Pell Grant; complete FAFSA and FFAA to apply

Scholarships
Funds given for specific achievements (like high grades) or identity markers (like faith or ethnic heritage)

Family Responsibility
The amount determined by the school to be paid by a student after all financial aid and major scholarships

Student Loans
Money borrowed to cover remaining costs of attendance; may be public or private; interest rates and repayment plans vary widely