Dedicated to Your Success

UNE is committed to providing a strong return for your investment in education. That means offering a quality academic experience that is within reach. Our Student Financial Services team is here to support you in the process of planning your UNE education. 

Learn more and reach out to our financial aid team

Direct Costs

Direct costs are items directly related to studies such as tuition, program fees, and general service fees. These costs are for a single year of the four-year Doctor of Osteopathic Medicine program.

General Service Fee$900
Program Fee$3,940
Malpractice Insurance$130

Tuition and fees are equally split between fall and spring semesters.

Indirect Costs

Indirect costs are included in your financial aid budget. These are not direct charges from the university but allowances that are given to cover expenses you may incur while attending school for the months you are enrolled each year of the program. Students are encouraged to carefully review their budgeted amounts and plan wisely to ensure all expenses are adequately covered.

Estimated Expenses Year 1 Year 2 Year 3 Year 4
Living Expenses (housing, food, utilities) $23,400 $23,400 $23,400 $21,450
Transportation/Travel costs $4,800 $4,800 $4,800 $4,400
Personal/Miscellaneous costs $4,200 $4,340** $4,200 $3,850
Books, Supplies, Course Material, and Equipment $4,500* $1,000 $800 $400
Clinical Rotation Expenses N/A N/A $3,000 $2,750
Residency Relocation Expenses N/A N/A N/A $1,500

Indirect costs are based on the following amounts per month, for the months enrolled:

  • Living Expenses: $1,950/month (housing, food, utilities)
  • Transportation: $400/month
  • Personal/Miscellaneous: $350/month
  • Clinical Rotation expenses: $250/month (third and fourth-year students)

Books, Supplies, Course Materials, and Equipment Allowances

Medical students are required to purchase equipment/instruments for the program. An amount of $1,000 is budgeted for the first-year cost of attendance to purchase these items, including an allowance for a PDA. Medical students are also required to purchase a laptop computer.

*An amount of $1,500 is budgeted as a one-time technology allowance for the laptop is included in the first-year cost of attendance. This allowance is in addition to a budgeted amount of $2,000 for books and other program-related materials for the first year. Actual expenses may vary.

**An amount of $140 is included in the second year cost of attendance for a background check cost.

Exam Allowances

  • Second Year: The cost of the COMLEX Level 1 Exam ($715) is added to the second year fall semester cost of attendance. An allowance of $1,000 is included for board prep materials.
  • Third Year: The cost of the COMLEX Level 2 Exam ($715) and $1,200 travel allowance to cover the cost for on-campus clinical skills examination in place of the COMLEX PE are added to the third year fall semester cost of attendance. An allowance of $1,000 is included for board prep materials.

Students may request consideration for an increase to their cost of attendance (if needed) to cover additional costs for residency interviews and other educationally related expenses. Please email for a Request for Cost of Attendance Increase Form, which may be submitted along with documentation supporting the additional expenses (e.g. receipts for transportation, hotel, and ERAS fee).

Health Insurance as a direct or indirect cost

Health Insurance is considered a direct cost because it is a requirement of the University/program. If you currently have insurance, you must opt-out of the university health insurance through submitting a health insurance waiver. Otherwise, health insurance charges are automatically applied to your UNE student account.

If you waive the university health insurance, the insurance charge will be waived from your student account in TouchNet. However, the cost of insurance will still be reflected in the cost of attendance. This means your loan offer amounts are set up to cover this expense to assist with purchasing health insurance through another provider.

Additional Information

Finance Your Education

We are here to help you finance your education so that you can earn a degree that's convenient, affordable, and still allows you to balance all of the other important aspects of your life. Several options exist to help you meet your educational costs. Student Financial Services has also created a step-by-step process for applying for aid.

Veteran’s Benefits

If you are planning to utilize Veteran’s Education Benefits, please explore our information and requirements.

Health Insurance

Students are required to enroll in UNE's Student Medical Insurance Plan unless proof of comparable insurance is demonstrated and waiver is completed online.

Open Enrollment/Waiver Periods

College of Osteopathic Medicine


All Other Graduate Programs


The cost for UNE's 2024–2025 annual health insurance policy for graduate/professional students (except first-year College of Osteopathic Medicine students) is $5,264 for the 9/01/2024–8/31/2025 coverage period. Due to a longer academic year, the health insurance rate for first-year College of Osteopathic Medicine students is $6,141 for coverage beginning on 7/1/2024–8/31/2024. 

New students whose program (M.A.T., PA, M.S.O.T.) begins in Summer 2024 are charged $1,257 for the summer coverage period of 05/22/2024–8/31/2024, and then the annual coverage rate of $5,264 (with the fall tuition billing) for coverage from 9/1/2024–8/31/2025. Students enrolled in the PSM in Ocean Food Systems Program are charged $1,257 for the summer coverage period of 5/20/2024–8/31/2025, and then the annual coverage rate of $5,264 for coverage from 9/1/2024–8/31/2025. New students should waive/enroll for the summer semester (beginning in April) and then re-enroll/waive for the following academic year, starting on July 1. 

Dependents can be added for an additional surcharge. Email Student Financial Services at for more information and breakdowns by semester, if applicable.


Student Financial Services

For information about the financial aid process call (207) 602-2342 or email Student Financial Services.