Budgets & Cost of Attendance: D.M.D.

Cost of Attendance

The cost of attendance (COA) is an estimate of the total expenses required for one year in an educational program. This estimate includes tuition/fees, books & supplies, and allowances for living expenses. At UF, COAs are determined by the Office for Student Financial Affairs⤷. Please click here⤷ for more information about how COAs are calculated.

Why Does the COA Matter?

1. Cost Comparison

The COA is the best figure available to compare the costs of dental schools. Tuition is not the only number that matters in cost comparison! You should also take into consideration the area cost of living, how much you’ll need to make trips home, etc. While the COA does not necessarily represent the actual, full cost of dental school, it is a very close estimate.

2. Financial Aid

The COA represents the maximum amount of financial aid that you can receive. Please note that “financial aid” includes scholarships, grants, and loans. You cannot receive financial aid that goes above and beyond the COA.

The good news is that you are NEVER required to borrow loans up to the full COA! The COA is a maximum, not a requirement. Conservative borrowing in dental school is strongly encouraged.

Special Note: Students who are married and/or have children should understand that federal financial aid is designed to help pay for the costs for the student to attend school; it is not intended to support other family members. The only exception is for students who have dependent children in daycare. Such students may be able to receive a COA increase for daycare. Requests for daycare cost allowances must be sent via email to FinancialAid@dental.ufl.edu.

D.M.D. Program Costs

Tuition and Fees

Tuition and fees are subject to change without notice.  Tuition and fees are payable in two equal installments in August and January of each academic year. DMD students do not pay tuition in the summer semester. However, students are required to participate in classroom and clinic activities in the summer.

Tuition costs at the University of Florida College of Dentistry (UFCD) are comparatively modest for Florida resident DMD students. UFCD offers an outstanding value to its DMD students by providing a high-quality educational experience at a very reasonable cost.

2017-18 Tuition & Fees

  • Florida residents: $41,720
  • Non-residents: $68,202

Health Insurance

All students in the DMD program are required to be covered under a comprehensive health insurance policy. You will be automatically enrolled in the UF student insurance plan unless you have an approved insurance waiver on file by the designated semester deadline. Information on health insurance, waivers, and deadline dates is available on the UF Health Compliance Office website⤷.

An allowance for insurance will be added to your COA after you have been charged for the UF insurance. (Please note that this allowance is NOT included in the below COA breakdown.)

If you opt out of the UF insurance, you will not have an insurance allowance in your COA. If you have an insurance policy in your own name, you may email FinancialAid@dental.ufl.edu to request that an insurance allowance be manually added to your COA. Insurance policies carried in a spouse’s or parent’s name do not qualify for the insurance allowance.

Computer Policy

All UF students are required to have access to a computer and the Internet. The College of Dentistry further requires incoming students to have access to and on-going use of a laptop computer to be able to function in the current learning environment. An allowance for computer costs is included in the Computer & Cell Phone category of the DMD COA.

Instrument Leasing

DMD students lease instruments from the College for their use in the instructional program. Leased instruments are sterilized, maintained, repaired, and replaced under reasonable use as part of the leasing program. You will pay an instrument lease fee each semester; this fee is included in the Books/Supplies category of the DMD COA.

Cost of Living

The cost of living in Gainesville, Florida is comparatively low. This reduces the total costs of education for Florida dental students as compared with other metropolitan areas. Housing, food, and transportation allowances are included in the DMD COA. These allowances are based on actual Gainesville-area costs.


Additional required expenses for successful completion of the DMD program include, but are not limited to, the following: loupes, scrubs, NBDE fees, etc. These expenses are included in the Clothing/Miscellaneous category of the DMD COA.

2017-2018 D.M.D. Cost of Attendance: Years 1-4

Expenses Year 1 Year 2 Year 3 Year 4
Tuition $37,566 $37,566 $37,566 $37,566
UF Fees $4,154 $4,154 $4,154 $4,154
Books/Supplies $11,495 $9,790 $9,865 $6,410
Food $6,040 $6,040 $6,040 $4,470
Transportation $1,470 $1,470 $1,470 $1,100
Clothing/Miscellaneous $1,460 $2,080 $2,160 $3,910
Personal $390 $390 $390 $310
Housing $10,910 $10,910 $10,910 $8,390
Computer & Cell Phone $1,660 $1,660 $1,660 $1,250
Total $75,145 $74,060 $74,215 $67,560
Out of State* $26,480 $26,480 $26,480 $26,480

*Add to Total to get complete Cost of Attendance for Out of State Residents

The above information is for individuals currently in or starting the DMD Program.

Next: Financial Aid Process