Annual Costs

Undergraduate Tuition

University of Southern Maine tuition is $7,588 per year for in-state residents. This is 5% more expensive than the national average public four year tuition of $7,203. The cost is 68% cheaper than the average Maine tuition of $23,554 for 4 year colleges. Tuition ranks 5th in Maine amongst 4 year colleges for affordability and is the 16th most expensive 4 year college in the state. If attending from out-of-state, the tuition is $19,964 which represents a 163% premium.

The school charges an additional fees of $1,330 in addition to tuition bringing the total effective in-state tuition to $8,918.

Housing Costs

On campus room and board is provided by the school at a cost of $9,850 per academic year. Students electing to live off campus elsewhere in Portland should budget at least this amount.

Books and Supplies

The estimated annual cost for books and supplies is $1,200.

Other Living Expenses

If living on-campus, students should budget for $3,000 in additional living expenses. Off-campus students should budget for $3,000 in other miscellaneous living expenses.

Total Costs

The total tuition and living expense budget for in-state Maine residents to go to University of Southern Maine is $22,968 for the 2018/2019 academic year. Out-of-state students who don't have Maine residence can expect a one year cost of $35,344.

Citation: Price data from the U.S. Department of Education's 2018-2019 and 2017-2018 IPEDS survey response for University of Southern Maine and represent reported costs for the 2016-2017 and 2015-2016 academic years.

Costs and Tuition for University of Southern Maine
Estimated Budgets
Maine Resident Total Budget $22,968
   In-State Tuition$7,588
   Other Fees$1,330
   Room and Board$9,850
   On-Campus Other Budget$3,000
   Books and Supplies$1,200
Non-Resident Total Budget $35,344
   Out-of-State Tuition$19,964
   Other Fees$1,330
   Room and Board$9,850
   On-Campus Other Budget$3,000
   Books and Supplies$1,200


What it Really Costs

Depending on many factors including student and parent income and assets, the total cost of attendance may be less than the $22,968 published price if scholarship or grant aid is made available to you.

Net Price

The net out-of-pocket total cost you end up paying or financing though student loans is known as the net price. The reported University of Southern Maine net price for in-state students is $11,338* for the 2014/2015 academic year. This net price includes housing and meal expenses.

Pell Grants and other Grant Aid

91% of University of Southern Maine students received grant aid in 2014/2015. The average total aid amount was $9,062. 45 percent of students received aid in the form of Pell Grants from the U.S. Federal Government. The average Pell Grant awarded for 2014/2015 was $4,485. To apply for a Pell Grant to attend University of Southern Maine, the first step is to fill out the Free Application for Federal Student Aid (FAFSA).

Net Price and Financial Aid for University of Southern Maine
Financial Aid Summary
Average Annual Net Price$11,338*
Percent of Students Receiving Grant Aid91%
Average Total Grant Aid$9,062
Percent of Students Receiving Pell Grants45%
Average Amount of Pell Grant Aid$4,485

Average Net Price for In-State Students by Family Income

The average net total cost of attendance for different levels of family income after federal, state or local government, institutional grant and scholarship aid are awarded. Data last published for the 2014/2015 academic year.

Family Income Avg. Net Price
$0 to $30,000$8,645
$30,001 to $48,000$8,747
$48,001 to $75,000$12,609
$75,001 to $110,000$16,199

Average Financial Aid Mix - $22,968 In-State Total Cost

CollegeCalc has estimated typical coverage of the annual in-state tuition and living expenses of $22,968. Breakdown is based on average grant aid and federal loan aid which will vary based on your family income.


Grants and Scholarships

 45% - $9,062

Money granted to you by the U.S. Department of Education, University of Southern Maine or other organizations. These are not loans and do not need to be repaid.

Federal Loans

 28% - $5,524

Low interest student loans funded by the U.S. Department of Education. This amount will need to be repaid.

Out of Pocket

 27% -  $5,382

Covered by family savings, work or private student loans which you will have to repay.

*Reported Average Annual Net Price for in state students receiving grant or scholarship aid reported to the U.S. Department of Education's Academic Year 2014-2015 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Note that for colleges with no reported on-campus room and board, the average net price has been increased to account for living expenses. This number may not only reflect the net price paid to the school for tuition.

Tuition Comparison to Similar Public Colleges in the Region

School Cost vs. University of Southern Maine
Johnson State College44.2% more expensive
Rhode Island College2.7% more expensive
Castleton State College47.4% more expensive
University of Connecticut Tri Campus69.3% more expensive
CUNY York College11.3% less expensive

Cost of a Degree

When considering ability to pay for college, the annual cost is often discussed but it's the "all in" multi-year degree cost which matters in the end. Let's take a look at what it could really cost for four years at University of Southern Maine.

Estimated 4 Year Cost at Published Tuition

At the current published rates, an estimated total tuition, fees and living expense price for a 4 year bachelor's degree at University of Southern Maine is $91,872 for students graduating in normal time. This methodology for estimating the 4 year cost is a straight multiple of the most recent reported annual total cost and does not factor in tuition increases during the time you're in school. It also assumes you receive no grant or scholarship aid and pay the full list price.

A potentially more accurate but less conservative estimate of a degree cost can be made by using the school's annual $18,156 in-state net price as the basis. Applying this cost over 4 would estimate the cost of a degree at $72,624**

If you end up on the "five year plan" and need an additional year to graduate, your five year cost could be as high as $114,840 or $90,780 using an average net price.

**Based on a 4 year multiple of Average Annual Net Price for in state students receiving grant or scholarship aid reported to the U.S. Department of Education's 2014-2015 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school's net price calculator for further understanding of your potential net price.

Other Costs

Estimated Cost Per Semester

Most colleges don't charge students on an annual basis but instead require payment semester by semester. If you ever need to take an additional semester of classes to complete you degree you shouldn't have to pay for a full academic year. These our estimated costs for a semester at University of Southern Maine.

Maine Resident Tuition Per Semester$3,794
Maine Resident Total Cost Per Semester$11,484
Non-Maine Resident Tuition Per Semester$9,982
Non-Maine Resident Total Cost Per Semester$17,672

Cost Per Credit Hour and Cost for a Class

Some schools offer the ability to take single classes by paying on a per credit hour basis. The reported price per credit hour and estimated cost for one class at University of Southern Maine are as follows. Per credit costs are for reference only as many schools will not allow students to pay by credit hour.

Cost per credit hour and per class at University of Southern Maine
Price per credit hour for Maine residents$271
Cost for one class for Maine residents (3 credit hours)$813
Price per credit hour for out of state residents$713
Cost for one class for out of state residents (3 credit hours)$2,139
Cost for one class for out of state residents (4 credit hours)$2,852


Student Loans and Debt

The second consideration after understanding the cost of college is determining how to finance it. Some students are fortunate enough to have some form of family financial assistance, but student loans end up financing a significant portion of higher education in the U.S. 61% of University of Southern Maine students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $5,524.

Example Loan Payments and Costs

How much are student loan payments for University of Southern Maine? Obviously this varies based on a number of factors - offsetting financial aid you receive, percentage of fee you pay upfront while enrolled and the interest rate on your loans. We've modeled a sample student loan based on current Stafford loan rates to give you an approximate idea.

The following are the costs for a loan if you borrowed $72,624, 100% of the estimated average net price for a four year program and paid nothing while enrolled. The total of all payments including interest would sum $90,109.73. This could be your effective total out of pocket cost of an education at University of Southern Maine. Note that this calculation assumes you don't pay full list price tuition, are part of the reported 91% of students at this school who receive financial aid and you are paying an average annual net price of $18,156. If you do not financially qualify for a reduced net price, your student loan payments could be significantly higher than this example. Use our University of Southern Maine student loan calculator below to change loan assumptions and recalculate.

Student loans are not free money and must be repaid. You cannot dismiss student loans by via bankruptcy.

University of Southern Maine Student Loan Payments
Example Payments
Monthly Loan Payment$750.91
Amount Borrowed$72,624.00
Interest Rate4.5%
Term10 years
Number of Monthly Payments120
Total Interest Cost$17,485.73
Sum of All Payments over 10 years$90,109.73

Affording Student Loan Payments and Post Graduation Salary

Can I afford to attend University of Southern Maine? In the end, the answer comes down a determination if you will earn enough to comfortably pay back a student loan with your post graduation salary. This is an extremely important point to consider. In order to afford student loan payments and still meet all your other costs of living, it is recommended not to borrow more than you can pay back using 10% of your monthly income earned after graduation. If you're considering attending University of Southern Maine, you need to carefully consider if it will be realistic to make the post graduation loan payments based on your expected salary.

Using the 10% of salary threshold, an annual income of $90,109.73 would be needed to afford a $750.91 monthly payment in the example $72,624.00 loan modeled above. You will need to determine if it is at all realistic that you will be earning this type of salary after graduation. This assumes a loan payback over 10 years. You can change the terms of this example loan using the student loan calculator below.

Estimated Future Cost and Expected Tuition Increase

What will it cost to send your child to University of Southern Maine in the future? In the past four years, this school's published in-state tuition and fee total rose from $6,578 to $7,588. This amounts to an average annual price increase of 3.1%. Nationally, university tuition prices are rising around 5% per year. Looking out five, ten, fifteen or eighteen years, these are CollegeCalc's estimates how much you could expect to pay for a 4 year degree assuming tuition increases at the national average rate. Estimated future prices are based on the current in-state 4 year cost of $91,872.00. Use the college savings plan calculator below to perform a more comprehensive analysis on future costs and how much you will need to save for University of Southern Maine.

Annual4 Year Degree
Estimated Cost in 5 years for students enrolling in 2025$31,586$126,345
Estimated Cost in 10 years for students enrolling in 2030$40,313$161,252
Estimated Cost in 15 years for students enrolling in 2035 $51,451$205,803
Estimated Cost in 18 years for students enrolling in 2038 $59,561$238,243

Comparable Cost for Popular Majors

We've compared the out of state cost of the most popular undergraduate areas of study at University of Southern Maine to the national average for all other colleges offering the same major. Use this comparison to determine particular programs where this school offers value relative to other colleges.

Area of Study Graduates vs National Avg
Registered Nursing/Registered Nurse Bachelor's Degree 164 2% cheaper
Sociology Bachelor's Degree 43 14% cheaper
Industrial Technology/Technician Bachelor's Degree 38 18% costlier
Political Science and Government, General Bachelor's Degree 37 15% cheaper
Allied Health Diagnostic, Intervention, and Treatment Professions, Other Bachelor's Degree 36 11% cheaper
Biology/Biological Sciences, General Bachelor's Degree 29 13% cheaper
Art/Art Studies, General Bachelor's Degree 22 10% cheaper
Drama and Dramatics/Theatre Arts, General Bachelor's Degree 21 17% cheaper
Finance, General Bachelor's Degree 18 5% cheaper
Health and Physical Education/Fitness, General Bachelor's Degree 18 2% cheaper
Athletic Training/Trainer Bachelor's Degree 17 6% cheaper
Music Performance, General Bachelor's Degree 16 11% cheaper
Linguistics Bachelor's Degree 14 29% cheaper
Therapeutic Recreation/Recreational Therapy Bachelor's Degree 12 5% costlier
Physical Sciences Bachelor's Degree 12 13% cheaper
Philosophy Bachelor's Degree 10 22% cheaper
Fine/Studio Arts, General Bachelor's Degree 9 18% cheaper
Music Teacher Education Bachelor's Degree 8 7% cheaper
Exercise Physiology Bachelor's Degree 8 17% cheaper
Technology Teacher Education/Industrial Arts Teacher Education Bachelor's Degree 8 14% costlier
Environmental Studies Bachelor's Degree 7 28% cheaper
Trade and Industrial Teacher Education Bachelor's Degree 7 13% costlier
Physics, General Bachelor's Degree 7 20% cheaper
Electrical and Electronics Engineering Bachelor's Degree 7 16% cheaper
Art Teacher Education Bachelor's Degree 6 3% cheaper
Music, General Bachelor's Degree 6 14% cheaper
Geology/Earth Science, General Bachelor's Degree 5 15% cheaper
Social Sciences, Other Bachelor's Degree 5 25% cheaper
Mechanical Engineering Bachelor's Degree 5 17% cheaper
Mass Communication/Media Studies Bachelor's Degree 5 7% cheaper
French Language and Literature Bachelor's Degree 5 23% cheaper
Environmental Science Bachelor's Degree 4 17% cheaper
Computer Science Bachelor's Degree 4 16% cheaper
Women's Studies Bachelor's Degree 3 26% cheaper
Speech Communication and Rhetoric Bachelor's Degree 3 11% cheaper
History, General Bachelor's Degree 2 14% cheaper
Accounting Bachelor's Degree 2 5% cheaper
Economics, General Bachelor's Degree 2 21% cheaper
Chemistry, General Bachelor's Degree 2 15% cheaper
Marketing/Marketing Management, General Bachelor's Degree 2 3% cheaper
Environmental Health Bachelor's Degree 2 2% cheaper
Business Administration, Management and Operations, Other Bachelor's Degree 2 4% costlier
Criminology Bachelor's Degree 2 13% cheaper
Liberal Arts and Sciences/Liberal Studies Associate's Degree 1 59% costlier
Psychology, General Bachelor's Degree 1 13% cheaper
Mathematics, General Bachelor's Degree 1 14% cheaper
Business Administration and Management, General Associate's Degree 1 64% costlier
Anthropology Bachelor's Degree 1 22% cheaper
English Language and Literature, General Bachelor's Degree 1 12% cheaper
Humanities/Humanistic Studies Bachelor's Degree 1 17% cheaper
Social Work Bachelor's Degree 1 2% cheaper


Use the calculators below to formulate a college savings plan for University of Southern Maine or model a student loan.

College Savings Calculator

Plan and Save for College

Discover how much will you need to start saving now to afford University of Southern Maine in the future.

Student Loan Calculator

Estimate Loan Payments

Modify the loan assumptions to fit your financial situation and likely tuition price. Then calculate your payoff and loan payments for a University of Southern Maine student loan.

Prepayment Option

About University of Southern Maine

University of Southern Maine is a four year public college located in Portland, Maine.  Full time enrollment is 4,707 and part time is 3,433. Learn more about getting accepted at University of Southern Maine at CollegeSimply.

Students attending this school may pursue both undergraduate and graduate degrees.

University of Southern Maine
96 Falmouth St
Portland, Maine

For Profit / Not For Profit Status

University of Southern Maine is a public not for profit institution. Public schools often represent the best value for your education dollar, especially when students qualify for in-state tuition.

University of Southern Maine cost and financial aid data source: U.S. Department of Education https://nces.ed.gov/collegenavigator/?id=161554 IPEDS survey data.