top of page

Cost of Attendance

ETS Turrets_edited.jpg

ETS students in Master’s or DMin programs may apply for Unsubsidized Direct Loans from the US Department of Education. In addition to your tuition and fees, your Cost of Attendance (COA) helps determine how much federal financial aid you may be eligible to borrow. As defined by the US Department of Education, COA includes:

  • Tuition and fees

  •  Books and other materials/equipment required for class

  •  Living expenses

    • Housing

    • Food

    • Transportation

    • Other personal expenses

A standard Cost of Living is used for all students. It is important that you submit the FAFSA as early as possible so that your individual needs can be taken into account.

The Cost of Living Estimate used by ETS (listed below) is based on typical expenses for a student without dependents living independently (i.e., not with parents) in the Metro Detroit area. Your actual costs will vary.

COA is one factor in determining your eligibility for federal student loans. Aid eligibility is also affected by your Student Aid Index (formerly “Expected Family Contribution”), which includes any scholarships (through ETS or external) you may receive and other funds you are able to contribute.

Cost of Living Estimate for ETS Students

Tuition and fees: See tuition and fee schedules posted on the ETS website

Food allowance: $301 per month

Housing allowance

Independent students: $796 per month


Students living at home (e.g., with parents): $478 per month

Miscellaneous personal expenses: $955 per month

This category includes (per the US Department of Education):

  • loan fees (excluding any loan fees for non-federal student loans);

  • miscellaneous expenses (including a reasonable amount for the documented cost of a personal computer);

  • allowance for childcare or other dependent care;

  •  costs related to a disability;

  • costs of obtaining a license, certification, or a first professional credential; and

  • reasonable costs for eligible study abroad programs


Hybrid program (on-site and remote classes): $449/month

Online courses only: $419 per month

These estimates were calculated using the US Bureau of Labor Statistics (US BLS) data for the most recent available year (2021-2022) for food, housing, transportation, and other expenses in the Midwest. The data was adjusted to the current academic year (2023-2024) using the Consumer Price Index published by the US BLS.

ETS uses a third-party Financial Aid processor. To learn more about how financial aid offers are calculated, visit

bottom of page