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

Cost of Attendance

The cost of attendance (COA) represents the maximum amount of financial aid that you can receive. The COA is also 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⤷. Refer to the SFA site for more information about how COAs are calculated⤷.

2022-2023 D.M.D. Cost of Attendance: Years 1-4 (Fall 2022, Spring 2023, Summer 2023)

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 $14,280 $11,225 $11,225 $7,350
Food $6,220 $6,220 $6,220 $4,600
Transportation $1,490 $1,490 $1,490 $1,120
Clothing/Miscellaneous $1,450 $1,450 $2,130 $4,080
Personal $660 $660 $660 $530
Housing $13,170 $13,170 $13,170 $10,130
Computer & Cell Phone $1,880 $1,880 $1,880 $1,520
Total $80,870 $77,815 $78,495 $71,050
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 Fall 2022.

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.

Note: The current COA is a good estimate for next year’s COA as it is not anticipated to change substantially.

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. Financial Aid to cover COA is available for and divided up among the Fall, Spring, and Summer semesters.

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 submitted to the Student Financial Aid and Scholarships Office⤷.

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.

2022-23 Tuition & Fees

  • Florida residents: $41,720
  • Non-residents: $68,200

Supplies, Maintenance, Instrument Leasing, and Equipment (SMILE)

Dental instruments, digital technology, course supplies, and dental store allotments are provided during your four years; these are part of what was called leasing. The SMILE program provides students with a variety of instrument kits, equipment, and supplies in addition to the necessary maintenance needed during the four years of training and the Florida Dental Boards exam. There are several courses where supplies and equipment are provided for you as needed for preclinical/simulation laboratory exercises and patient care delivery. Payment will be due each semester at the time you make tuition payments. 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. Food, transportation, and housing allowances are included in the DMD COA. These allowances are based on actual Gainesville-area costs and updated annually.


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 ongoing 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.

Miscellaneous Expenses

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

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⤷.

Insurance is not automatically included in the COA. Students who are enrolled in the UF student insurance plan may request for the insurance cost to be added to their COA. Students not enrolled in the UF student insurance who carry an insurance policy in their own name may also request for their insurance cost to be added to their COA. Insurance policies carried in a spouse’s or parent’s name do not qualify for the COA add-on.

Insurance add-on requests must be made in writing to the UFCD Financial Aid Coordinator at: SFA-DEN@mail.ufl.edu.

Next: Financial Aid Process