Undergraduate Tuition & Financial Aid

Tuition & Financial Aid

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One of the most affordable, private universities in New England, our number one priority is to make your college education both financially feasible and an investment in your life plan.

Bay Path believes that every student should be able to attend college and that your financial situation should not stand in the way.

Bay Path offers a number of scholarships:

Pell Grant Free Tuition Program	First-year, first-time, traditional students who qualify for a Pell Grant and have a GPA over 3.0 will receive free tuition to Bay Path University. Learn more here.
Merit Scholarships	Depending on your GPA, you could be awarded a merit scholarship worth $12,000 - $25,000 a year, renewable while you are enrolled. Learn more here.
Signature Scholarship Competition Program	First-year, first-time undergraduate students can compete for scholarships ranging from $500 to full tuition.
Need-Based Grants	For students who do not qualify for a Pell Grant, we attempt to meet your financial need with a combination of scholarships, need-based grants, on-campus jobs, and loans. More information can be found here.
Other Scholarships	Our Student Finacial Services team will advise you on other scholarships you may be eligible for, such as UNCF, Citizens Bank, Zonta International Scholarships, Scholarships360 and Earnest Scholarship
Federal & State Aid	Find out more about Federal and Massachusetts grants and loans

To get Financial Aid, you MUST complete the FAFSA (Free Application for Federal Student Aid)

The 2024-2025 FAFSA application is now available. The Bay Path University school code is 002122. FAFSA is an online application for State and Federal Student Aid - it is free to apply. Once we receive information from the DOE, we will be able to tell you how much financial aid you will receive if you enroll at Bay Path.

Our costs for Tuition, Room & Board:

2025-2026 Academic Year (12-18 CREDITS PER SEMESTER)

	Resident Students	Commuter Students
Tuition*	$38,731	$38,731
Room & Board (14 meals per week plan)*	$13,853
Total	$52,584	$38,731

You will also need to budget for personal expenses, like travel, for example, if you are a commuter student, and health insurance, which is required in Massachusetts for all adults over 18 years.

Estimated Full-Time Cost of Attendance Budgets for Financial Aid Undergraduate

The cost of attendance (COA)—sometimes referred to as the “student budget”—is an estimate of what it costs a typical student to attend a college or university for one academic year.

Estimated Cost of Attendance

Academic Year 2025-2026

Estimated Full-Time Cost of Attendance Budgets for Financial Aid Undergraduate

The cost of attendance (COA)—sometimes referred to as the “student budget”—is an estimate of what it costs a typical student to attend a college or university for one academic year. Don’t be startled by the COA you see because it doesn't only include tuition; it also takes into account basic living expenses.

The COA serves two purposes:

To give you an estimate of the cost to attend Bay Path University for one year and
To set a limit on the amount of financial aid you can receive during the academic year (which is required by federal regulations).

Your actual expenses may be different from those listed on your financial aid award letter, and the total amount of your aid—including scholarships, grants, loans, and work-study—can’t exceed your total cost of attendance.

The cost of attendance is made up of two different types of costs: direct and indirect.

Direct costs are items that will appear on your Bay Path University bill, such as tuition, fees, and room and board (if you live on campus).
Indirect costs will not appear on your bill but are estimated costs associated with going to college and should be included in your budget. These include items like books, transportation, and personal expenses.

Note: Students who attend on a less than full-time basis will have their direct and indirect expenses adjusted based on the number of credits for which they are enrolled and payment period start/end dates.

Annual Full-time Undergraduate Cost of Attendance for Dependent Students Enrolled in 12 or More Credits who Reside on Campus:

Direct Costs:
Tuition:	$38,731
Housing & Meals	$13,853
Technology Fee	$330
Total Billed Charges*	$52,914
Indirect Costs:
Books	$1,200
Transportation Fee	$800
Misc. Personal Expenses	$1,300
Average Loan Fees	$58
Total Cost of Attendance	$56,272

Annual Full-time Undergraduate Cost of Attendance for Commuter Dependent Students Enrolled in 12 or More Credits:

Direct Costs:
Tuition:	$38.731
Technology Fee	$330
Total Billed Charges*	$39,061
Indirect Costs:
Books	$1,200
Transportation Fee	$1,300
Misc. Personal Expenses	$1,300
Food	$1,350
Housing	$2,340
Average Loan Fees	$58
Total Cost of Attendance	$46,609

Annual Full-time Undergraduate Cost of Attendance for Commuter Independent Students Enrolled in 12 or More Credits:

Direct Costs:
Tuition:	$38,731
Technology Fee	$330
Total Billed Charges*	$39,061
Indirect Costs:
Books	$1,200
Transportation Fee	$1,300
Misc. Personal Expenses	$1,300
Food	$6,300
Housing	$8.100
Average Loan Fees	$58
Total Cost of Attendance	$57,319

*Total Billed Charges may also include lab fees for students registered for a lab course. Lab fees range from $55 to $325. A complete listing of lab fees is in the academic catalog here.

Students not enrolled full-time (12 or more credits per semester) will be charged a per-credit rate of $560.

Financial Aid Terminology

We have put together a glossary of commonly used financial aid terms to help you better understand the process.

Academic Year

A period of at least 30 weeks of instructional time during which a full-time student is expected to complete at least 24 semester or trimester hours, or at least 36 quarter hours, at an institution that measures program length in credit hours; or at least 900 clock hours at an institution that measures program length in clock hours.

Cost of Attendance

The total amount it should cost a student to go to school--usually expressed as a yearly figure. The cost of education covers tuition and fees, on-campus room and board (or a housing and food allowance for off-campus students), and allowance for books and supplies, transportation, and miscellaneous expenses. Certain other items may be added at the discretion of the Student Financial Services. Your cost of attendance is affected by your enrollment status whether full or part-time.

Default

Failure to repay a student loan according to the terms agreed to when you signed a promissory note. If you default, your school, the organization that holds your loan, the state, and the federal government can all take action to recover the money, including notifying national credit bureaus of your default. Your wages and/or tax returns may be garnished, and you will no longer be eligible to receive federal financial aid.

Disbursement

The release of loan funds to the school for delivery to the borrower. Disbursements for most loans are made in equal multiple installments per term.

Enrollment Status

An indication of whether you are a full-time or part-time student. Generally you must be enrolled at least half-time (and in some cases full-time) to qualify for financial aid.

Free Application for Federal Student Aid (FAFSA)

Form used to apply for Federal and State financial aid. It is free to complete and file. This form is filed online by visiting the Federal Student Aid website.

Federal Work Study

Program providing students with part-time employment during the school year. The federal government pays a portion of the student's salary, making it cheaper for departments and businesses to hire the student. For this reason, work-study students often find it easier to get a part-time job. Eligibility for federal work study is based on financial need. Money earned from a federal work study job is not counted as income for the subsequent year's need analysis process. Salary is usually minimum wage and the students work 10 hours per week.

Financial Aid

Money provided to the student and the family to help them pay for the student's education. Major forms of financial aid include gift aid (grants and scholarships) and self-help aid (loans and work).

First-Time Borrower

A first-year undergraduate student who has never borrowed a Stafford or Direct student loan before. First-time borrowers may be subjected to a delay in the disbursement of the loan funds. The first loan payment is disbursed 30 days after the first day of the enrollment period. If the student withdraws during the first 30 days of classes, the loan is canceled and does not need to be repaid.

Grant

A type of financial aid based on financial need that the student does not have to repay.

Holds

Placed on a student’s account usually because of billing charges, missing financial aid forms or incomplete medical immunizations. This hold can keep a student from registering for classes and reviewing their final grades. It will be there until the account is brought up to date. Also this will prevent the receipt of transcripts and diplomas.

Independent Student

An independent student is at least 24 years old as of January 1 of the academic year, is married, is a graduate or professional student, has a legal dependent other than a spouse, is a veteran of the US Armed Forces, or is an orphan or ward of the court (or was a ward of the court until age 18). A parent refusing to provide support for their child's education is not sufficient for the child to be declared independent.

Interest

Amount charged to the borrower for the privilege of using the lender's money. Interest is usually calculated as a percentage of the principal balance of the loan. The percentage rate may be fixed for the life of the loan, or it may be variable, depending on the terms of the loan.

Lender

A financial institution (bank, savings and loan, or credit union) that provides the funds for students and parents to borrow educational loans. For example, the federal government is the lender for Direct Loans.

Master Promissory Note

The binding legal document that must be signed by the student borrower before loan funds are disbursed by the lender. The promissory note states the terms and conditions of the loan, including repayment schedule, interest rate, deferment policy and cancellations. The student should keep this document until the loan has been repaid.

Title IV School Code

When you fill out the Free Application for Federal Student Aid (FAFSA) you need to supply the Title IV Code for each school to which you are applying. The school code for Bay Path is 002122.

Tuition Payment Plan

Tuition payment plans are short-term installment plans that split your tuition into equal monthly payments. Please contact the Student Financial Services concerning the payment plan.

Verification

A process of review to determine the accuracy of the information on a student's financial aid application. Student applications are selected by the Federal Processor for review. Bay Path currently participates in this standard verification program. If you have been selected for verification please complete the necessary forms with a copy of your signed and dated Federal Tax Return to Student Financial Services as soon as possible.

Withdrawal

Resignation from the College before the end of an official term of study by completion of the official withdrawal form in the Registrar’s Office.

Request Information

File the FAFSA

Accept Financial Aid

Schedule an Appointment

FAFSA Friday's

Contact Info

Student Financial Services

Bay Path University
588 Longmeadow Street
Longmeadow, MA 01106 413.565.1256 sfs@baypath.edu

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