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The University of Florida is all about big numbers, from $724 million in research awards to 5,000 faculty members. As you think about how to pay for UF, however, here’s to hoping your cost will be a much smaller number. Your chances of minimizing the total cost of your education are good at UF – ranked by Kiplinger as a Best Value Public College, more than half of UF students graduate with no loan debt. Read on for more on how to finance your UF degree.

How much does it cost to attend the University of Florida?

Given that the University of Florida is a public institution, tuition costs are much lower than those at private colleges—for residents of Florida. The total yearly estimated cost for the 2015-2016 school year was $20,590 for in-state undergraduates and $29,310 for in-state graduate students. Out-of-state students aren’t quite as lucky. Undergraduate students who are not residents of Florida should add $22,278 to their tuition, for a total of $42,868 and graduate students can add $17,394 per year for $46,704 total.

Tuition for students at UF Levin College of Law is by the credit hour and the cost per credit hour in 2016-2017 is $743.31 for residents and $1,296.80 for non-residents. That makes tuition for the standard 30 credit hours a semester $22,299.30 for residents and $38,904 for non-residents. In addition to tuition, UF Law suggests budgeting $17,990 for housing, food, and other expenses.

UF offers a few different programs for graduate students of business. The full-time two-year MBA program costs $26,473 for residents and $61,260 for non-residents, not including living expenses during those two years. The fast-track 10-month MBA program for students who studied business as undergraduates costs $17,982 for residents and $41,173 for non-residents. The same program for non-business majors costs the same for 12 months of instruction.

UF School of Medicine offers not only an MD degree, but also dental, pharmacology, veterinary, physical therapy, and public health programs. Costs will vary slightly by your year in school, but for 2015-2016, resident medical students paid around $18,000 in tuition and fees; non-residents paid closer to $33,000, not inclusive of the cost of living and other expenses. You can find costs associated with other degree programs here.

What kind of financial aid does University of Florida offer?

As one might expect based on its size, University of Florida offers  different scholarships, many of which are administered by different offices across the college. In fact, the university has its own scholarship search engine to help students identify the right scholarships based on their profile.

The Office for Student Financial Affairs administers both endowed and non-endowed scholarships for which students are automatically considered, provided they meet minimum criteria such as maintaining a 3.0 GPA. Like many other colleges, UF has also launched a program to help select students to graduate debt-free. At UF, this program is called the Machen Florida Opportunity Scholarship and first-generation college students from economically disadvantaged backgrounds are eligible. 

You can read more about the types of endowed and non-endowed scholarships here. Information on academic scholarships, which are administered by individual departments and offices, can be found here.

First-year law students at UF will be considered for merit-based and merit need-based scholarships, provided they submit the FAFSA application (for merit- and need-based). There are separate scholarships for second and third-year students, which first-year students may not apply for. These scholarships are awarded based on a variety of criteria, from as broad as “financial need” to as specific as “student member of the Florida Association for Women Lawyers.”

Aside from private and federal student loan programs, MBA students at UF are automatically considered for scholarships during the admission process. These are awarded based on work experience, test scores, leadership, and other accomplishments.

Students at the College of Medicine can apply for 62 different endowed and 30 non-endowed scholarships and fellowships. Many of these awards are open to any student of the medical college, whereas others are specific to career track or areas of interest, such as students studying learning disabilities or researchers in the Department of Ophthalmology.

What kinds of extras should I expect to pay for at the University of Florida?

Greek life is popular at UF, so if you plan to participate, make sure to budget for costs associated with rush and other activities. You’ll also be joining the “Gator Nation” at UF, so you might be tempted to follow the team, a consistently top-ranked college sports program, to away games – just keep in mind any expenses associated with travel.

Unlike universities in major metropolitan areas, parking is easier at UF and much more affordable. Students can purchase parking decals for just $160 per year. Beyond parking costs, however, take into account car insurance, car payments, and gas if you do plan to bring a car with you.

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