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Cost and Resource Planner

Where You Can Find This Information

Estimated Cost of Attendance

First-time freshman students can find their estimated cost of attendance online through the WVU Portal to review starting in mid-December. If you will be in any of the other student categories for fall 2022 (continuing student, transfer, graduate/professional, etc.), you may review your estimated cost of attendance around mid-March. You can find your cost of attendance by going to Financial Aid Information in your WVU Portal and selecting the “Award Offer” tab. Under “Cost of Attendance,” you will see “Billable Items” and “Non Billable Items.” You will be asked to input the amounts you see for each semester and the totals for each item in order to calculate your remaining cost and the other payment options you may have available.

Estimated Financial Aid

For students who have submitted a FAFSA, first-time freshman students can find their estimated financial aid online through the WVU Portal to review starting in mid-November. If you will be in any of the other student categories for fall 2022 (continuing student, transfer, graduate/professional, etc.), you may review your estimated financial aid around mid-March. You can find your estimated financial aid by going to your Financial Aid Information in your WVU Portal and selecting the “Award Offer” tab. Under “Options to Pay Net Cost,” you will see a list of the financial aid that you have been offered. You will be asked to input the amounts you see for each semester and the totals for each item in order to calculate your remaining cost and the other payment options you may have available.

Step 1. Enter Estimated Cost of Attendance

Your estimated costs include Billable (direct costs billed by the institution) and Non Billable items (educational expenses you may have while pursuing your degree which you will not usually see on your bill). Your Billable plus Non Billable costs equal your estimated cost of attendance for educational expenses and financial aid purposes. Your estimated cost can be impacted by changes to your student record, such as updates to your residency for tuition purposes, campus, college or program of study, enrollment in degree-pursuant courses, and legislative changes. They can also be impacted by choices you make for books, supplies, housing, and other living expenses. For Non Billable expenses, you are encouraged to develop your own budget based on actual expenses.

Enter Billable Items

Estimated Billable items are costs that you usually will see as part of your student bill. Once you have a financial aid or institutional scholarship offer for the aid year, you can find your estimated Billable Items online through your Financial Aid Information in your WVU Portal.

Fall Spring Total
Total Estimated Billable Items

Enter Non Billable Items

Estimated Non Billable items are costs that you usually will NOT see as part of your student bill. These are estimates of other potential educational expenses you may have while pursuing your degree. Once you have a financial aid or institutional scholarship offer for the aid year, you can find your estimated Non Billable Items online through your Financial Aid Information in your WVU Portal.

Fall Spring Total
Total Estimated Non Billable Items

Summary

Fall Spring Total
Total Estimated Cost of Attendance for Financial Aid Purposes

Step 2. Enter Estimated Financial Aid and Payments

Estimated financial aid eligibility can be impacted by changes to your student record, such as updates to your residency for tuition purposes, campus, college or program of study, academic level, aid not listed in your financial aid offer (such as external scholarships, enrollment in degree-pursuant courses, changes to information provided you your FAFSA, and legislative changes.

Enter Estimated Gift Aid

Aid that usually does not have to be repaid.

Fall Spring Total
Estimated Scholarships tooltip
Estimated Grants tooltip
Estimated Waivers tooltip
Estimated Third-Party Sponsorships tooltip
Total Estimated Gift Aid

Enter Estimated Federal Work-Study

Aid you earn while you work.

Fall Spring Total
Estimated Work-Study tooltip
Total Work-Study

Enter Estimated Loans

Borrowed aid that must be repaid, usual with interest. Since you must repay everything you borrow - plus interest - you should only borrow what you need to cover educational expenses. Find interest rates for federal loans on the Federal Student Aid interest webpage. Please note that most federal loans (Subsidized, Unsubsidized, Graduate PLUS, and Parent PLUS) have loan processing fees that are a percentage of the total loan, so plan accordingly for the disbursed amount to be less than the borrowed amount.

Input Estimated Loans: This is the amount you will borrow.
Estimated Amount That May Disburse As Payment Due to Federal Origination Fees: Since most federal loans (Subsidized, Unsubsidized, Graduate PLUS, and Parent PLUS) have loan processing fees that are a percentage of the total loan, the amount that disburses as payment on your student account will be less than the amount you accept/borrow.

Input Estimated Loans Estimated Amount That May Disburse As Payment Due to Federal Origination Fees
Fall Spring Total Fall Spring Total
Student Federal Subsidized Loan tooltip
Student Federal Unsubsidized Loan tooltip
Student Graduate PLUS Loan tooltip
Student Private or Other Loans tooltip
Parent PLUS Loan tooltip
Parent Private Loan or Other Loans tooltip
Total Estimated Borrowed Aid

Enter Estimated Out-of-Pocket Payments

No description for this one.

Fall Spring Total
Academic Deposit Paid tooltip
Housing Deposit Paid tooltip
College Savings Plan (529) tooltip
Total Estimated Payments

Estimated Summary

Estimated Remaining Billable Costs After Aid and Payments

The estimated remaining billable costs after your financial aid and payments is for direct costs only (those billed by the institution) minus the aid and payments listed above. It does not include Federal Work-Study as an anticipated payment because work-study funds are earned throughout the semester based on hours worked and do not apply directly as payment toward your institutional expenses. This is an estimate of what your balance due may be for the semesters listed. If this amount is negative, that would be your estimated refund for the semester.

Fall Spring Total
Estimated Balance Due

Estimated Remaining Cost of Attendance After Aid and Payments

If you want to plan for all of your educational expenses listed - both billable and non billable - this is the estimated cost of educational expenses not covered by aid and payments.

Fall Spring Total
Estimated Remaining Cost of Attendance

Estimated Payment Options

If you want to plan for all of your educational expenses listed - both billable and non billable - this is the estimated cost of educational expenses not covered by aid and payments.

Option 1: Pay Out-of-Pocket for the Semester

Estimated payment per semester - one for fall and one for spring. The balance for fall is due at the beginning of August and spring is due at the beginning of January. This is billable costs only (costs billed by the institution) minus financial aid listed above (both free and borrowed aid - excluding Federal Work-Study if applicable).

Fall Spring
Amount Due

Option 2: Monthly Payment Plan

If signed up for payment plan, payment is made over multiple months. Visit our Tuition Payment Plan webpage for more information and the deadlines to sign up for each option. Signing up later means payments will be spread over fewer months, so the monthly payments will be higher. There is a $250 minimum for the semester to utilize the payment plan, so if your direct cost for fall is less than $250 you will see "Not Available" for the payment plan amount. No interest accrues, and there is a $35 enrollment fee per semester.

Fall Spring
6 Monthly Payments
5 Monthly Payments
4 Monthly Payments

Option 3: Federal PLUS Loan

Credit-based loan that can be applied for by graduate/professional student for themselves or parents of dependent undergraduate students on behalf of the student. Amounts listed below include a 4.228% loan origination fee. You can apply on the Federal Student Aid website. The loan application usually becomes available by April for each upcoming academic year. Please note that PLUS Loan applications for less than $200 cannot be processed, so if your remaining cost is less than $200, you will see "Not Available."

Full-Year (Fall plus Spring)
To Cover Remaining Billable Costs
To Cover Remaining Total Cost of Attendance

Option 4: Private Loan

Credit-based loan that a student or parent may apply for (depending on the lender). Student may need a cosigner. Please note that most private lenders will not process applications that are less than $1,000. Learn more about comparing private lenders and options on our Private Loans webpage.

Full-Year (Fall plus Spring)
To Cover Remaining Billable Costs
To Cover Remaining Total Cost of Attendance

Next Steps

Your next steps are:


Make a decision on your offered financial aid

Accepting aid is not a commitment to attend, but it is important to accept your offered aid as early as possible to help ensure your aid is ready to pay on time for the semester. For step-by-step instructions on accepting your aid, visit our Accept or Decline Aid page.

Return to list of next steps


Complete loan requirements

If you accept a subsidized or unsubsidized loan, you will need to complete additional steps. See our Subsidized and Unsubsidized Loan Requirements page for additional information.

Return to list of next steps


Stay up to date on important deadlines and notifications

Here are some ways to stay up to date on important deadlines and notifications:

  • Monitor your student MIX email. You can even set your MIX to forward to your personal email account!
  • Follow @WVUHUB on Twitter, Facebook, and Instagram
  • Monitor hub.wvu.edu for important announcements and dates

Return to list of next steps

We’re here to help!

If you have questions about your estimated cost of attendance, financial aid, or potential payment options, please contact the WVU Hub.

If you're comparing financial aid offers from multiple schools, take your time reviewing each one. Use a cost comparison tool like the one available on the Consumer Financial Protection Bureau website to carefully determine your cost for each institution.

Additional Common Questions

These are additional common questions that people have:

Are University Tuition, College Tuition, Housing (if living on-campus), Dining (if using a meal plan), and potential student health insurance the only fees I will see on my student bill?

Not necessarily. First-time freshmen may have additional charges assessed the first semester that would not be listed for subsequent semesters – such as a New Student Orientation Fee. Students may see other fees on their account, such as charges for Adventure WV trips, Materials and Instruments fees for some programs, student ID card replacement fee if they must replace their card, library fines, and more.

What happens with the Academic and/or Housing Deposits I paid?

After charges are assessed on your account for your first semester, if you paid an academic/tuition or a housing deposit, the full deposit will reflect as payment toward your first-semester bill. This often means those deposits help pay toward the fall balance for first-time students starting in the fall meaning your spring balance due may appear to be more due to not having those additional payments from those deposits crediting towards the spring balance.

Do I have to pay for the whole year at once?

No! You are billed by semester, not for the full year at once. You can also use our monthly payment plan to break your semester balance due into smaller, monthly payments instead of a lump sum for the semester.

Do I need to notify WVU of external scholarships I am receiving (such as those from my high school)?

Yes, you must notify the WVU Hub of any scholarships from external sources. You can submit an online request to provide the letter or notification from the scholarship provider (if applicable), include the amount of the scholarship, and how much of the scholarship applies to each semester. Without this information, any scholarship of $500 or more is split equally between the fall and spring. To ensure your aid offer is accurate, please notify the WVU Hub as soon as possible.

If I change my major, how will it affect my bill?

Changing your major can affect your bill. First, your College Tuition will change. If you are a student under CLASS, you will go from not being assessed College Tuition to seeing both University Tuition and College Tuition assessed. College Tuition is tuition specifically for your college based on your program of study. So, if you change programs or colleges, that would impact College Tuition assessment. Second, if you have a scholarship that requires you to stay in a certain program of study or college, you could lose that scholarship.

Is my financial aid guaranteed every year?

No. There are a variety of criteria that can impact eligibility each year. This can include minimum grade point averages, earned hours, completion of attempted courses, submission of the Free Application for Federal Student Aid (FAFSA) by the March 1 priority deadline each year, continued financial need, and limitations on the amount of semesters or total amounts a student can receive over time. Visit Maintain Your Aid and our Renewal Requirements page for scholarships for more information.

Can parents or others contact WVU to ask questions about my account?

Specific account information cannot be released to parents, spouses, friends, or other family members unless you give them access. For first-time students, this begins when you either move into on-campus housing or attend your first day of classes as a student on one of WVU’s campuses - whichever comes first. This is due to the Family Educational Rights and Privacy Act (FERPA). To grant access, visit parent-guest.portal.wvu.edu. In addition, please note that even with your permission your financial aid and FAFSA-related information cannot be released to third-party organizations unless they are a scholarship provider, tribal organization, or private lender.

Can my financial aid offer change?

Yes, as more information becomes available or changes, your estimated cost of attendance and financial aid eligibility could change. Changes may include, but are not limited to, changing the information listed in the Overview section, if you receive additional financial aid not listed here, if information from the Free Application for Federal Student Aid (FAFSA) is inaccurate or updated (for federal and some state and institutional aid), if you do not enroll in the anticipated full-time hours, and if data previously self-reported on the Common Application (for institutional scholarships/grants) was inaccurate.

If you are receiving an external/private scholarship, grant, employer tuition benefit, third-party sponsorship, or other funds to assist with educational costs, it may affect your financial aid offer since financial aid cannot exceed your cost of attendance. Please notify us immediately of any anticipated funds so we can ensure your estimated aid offer is as accurate as possible.

Monitor your Financial Aid Information through your WVU Portal for changes to your estimated cost or aid.

Where can I find information to help me understand my cost, funding options, and my aid offer?

You can find information about cost, aid, and other funding options on our All About Your Aid Offer webpage.

Are there other options to help pay my bill or fund educational expenses?

You can find information about other funding options that may be able to assist you in paying your bill on our Other Funding Options webpage.

What if my FAFSA does not accurately reflect my financial need because my or my parents’ financial circumstances have changed?

Sometimes information you provide on your FAFSA no longer accurately reflects your or your family’s financial situation. If your financial circumstances have changed, there are situations where financial aid professionals at the University can review and update your FAFSA to reflect these changes. These changes may - or may not - impact your financial aid. For more information, please visit our Family Contribution Appeal webpage.

What are the enrollment requirements for financial aid?

There are various enrollment standards for financial aid eligibility and disbursement. Some aid programs require full-time enrollment, some require half-time enrollment, and others disburse a certain amount per credit hour if a student is enrolled less than full-time. For more information about these enrollment requirements, please visit our Enrollment Standards and CPoS webpage.

What if my GPA or test scores increase?

If your high school GPA or ACT/SAT scores increase, submit your official high school transcript and/or official test score reports to Undergraduate Admissions as soon as possible. For incoming students for the fall 2022 semester, we will review fully admitted scholarship recipients to see if they are eligible for an increase to their scholarship(s) based on increases to their GPA and/or test scores until July 15, 2022 (if the student was admitted by June 15, 2022). Please note this does not apply to all scholarships.

Is this what I will owe? How can I calculate what I owe?

You can find more information about calculating your bill on our Estimate Costs & Aid webpage.

Additional Comments

Please read all the information given for each fund in your aid offer for terms and conditions associated with financial aid. Acceptance of funds listed here indicates you understand and agree to any terms your aid offer types may carry.

Donors and sponsors of financial aid and scholarship programs may, at their discretion, obtain demographic information about recipients. If you do not want this information released, contact us.

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