Attendance cost

Cost of Attendance (CoA)

The Cost of Attendance (COA) will be provided to you on your Financial Aid Letter once you have completed your FAFSA. The CoA is an estimate of your educational related costs for the academic year less any scholarships that you have been awarded (from any source).

GCU will provide a 5% early payment discount which is calculated after all other GCU scholarships are deducted from tuition fees to all Title IV eligible students without regard to when their charges are paid

For further information on GCU and external Scholarships please access these links:

Scholarships

Global education management services

The CoA for students studying at Glasgow Caledonian University (GCU) is set by the Student Funding Team and is increased in line with inflation for each academic year. These educational costs relate only to you, the student. These costs cannot include costs for partners or children (other than childcare or nursery costs). These broad based costs can be broken down as follows as a guide as to how much you may need for your year of study:

The Cost of Attendance consists of two elements:

Tuition costs
Living costs.

Please note, whilst your CoA can include Travel, we cannot issue loan payments before the beginning of the academic year so you should not rely on your first payment to finance your travel to GCU Glasgow or GCU London

If you are eligible for a Subsidized loan, your Student Aid Index (SAI) will also be deducted from a CoA figure to establish your ‘financial need’.

The college or career school will determine your financial need by subtracting your SAI from the cost of attendance. Learn more about how financial aid is calculated.

SAI Formula for a Dependent Student:
Parents’ Contribution from Income + Parents’ Contribution from Assets + Student’s Contribution from Income + Student’s Contribution from Assets

SAI Formula for an Independent Student:
Student’s Contribution from Income + Student’s Contribution from Assets

Your SAI will be listed on your FAFSA Submission Summary.

For the academic year 2024/25, the cost of attendance exchange rate will be 1.35

The maximum Cost of Living paid to students (with no dependents) in 2024/25 have been listed below.

Direct Loans incur fees and interest and must be repaid so do not borrow more than you need.

Please view the Loan simulator on Student.aid.gov

Breakdown of Costs

	Glasgow Per week (32 weeks total)
Rent	175 (£5,600 total)
Utilites/ Food	120 (£3,840 total)
Travel Expenses	25 (£800 total)
Books/Computer Equipment	30 (£960 total)
Personal	70 (£2,240 total)
Flights home (2 per year) if resident in US	£2,000
Total	£15,440 per year And loan origination fee and visa and IHS surcharge for 1^st year students only
Loan Origination fee	1.1% for Subsidised and Unsubsidised Direct loans 4.2% for Parent plus loans
Visa/ International Health surcharge fee 1^st year students only	£470 per year for international health Surcharge fee £235.00 for a part year £705 for 12 month programme and 16 month programme is £940.00 24 month programme £1175.00 £363 visa application charge applying from outside UK

	Glasgow Per week (48 weeks)	London Per week (48 weeks)
Rent	175 (£8,400 total)	280 (£13,440 total)
Utilites/ Food	120 (£5,760 total)	120 (£5,760 total)
Travel Expenses	25 (£1,200 total)	50 (£2,400 total)
Books/Computer Equipment	30 (£1,440 total)	30 (£1,440 total)
Personal	70 (£3,360 total)	90 (£4,320 total)
Flights home (2 per year) Flights home (2 per year) if resident in US	£2000	£2000
Total	£22,160 per year And loan origination fee and visa and IHS surcharge for 1^st year Postgraduate students only	£29,360 per year And loan origination fee and visa and IHS surcharge for 1^st year Postgraduate students only
Visa/ International Health surcharge fee 1^st year students only	£470 per year IHS £348 visa application charge applying from outside UK	£470 per year IHS £348 visa application charge applying from outside UK
Loan Origination fee	1.1% for Unsubsidised Direct loans 4.228% for Direct Plus loans	1.1% for Unsubsidised Direct loans 4.228% for Direct Plus loans

Loan Entitlement

Direct Subsidized Loan eligibility	= CoA - (SAI + EFA)*
Direct Unsubsidized Loan eligibility	= CoA - EFA (inc. Direct Subsidized Loan)*
Direct PLUS Loan eligibility	= CoA - EFA (inc. Direct Subsidized, Unsubsidized and any other expected funding)

*Within maximum annual and aggregate loan borrowing limits.

Stafford Loan Limits

Year of Study	Annual Subsidised	Annual Total Combined Loans (Sub & Unsub)	Aggregate Subsidised	Aggregate Combined Loans (Sub & Unsub)
Undergraduate Dependent Students
Year 1	$3500	$5500	$23000	$31000
Year 2	$4500	$6500	$23000	$31000
Year 3+	$5500	$7500	$23000	$31000
Undergraduate Independent Students
Year 1	$3500	$9500	$23000	$57000
Year 2	$4500	$10500	$23000	$57000
Year 3+	$5500	$12500	$23000	$57000
Graduates & Professional Students
All Years	$0	$20500	$0	$57,500 for undergraduates—No more than $23,000 of this amount may be in subsidized loans. $138,500 for graduate or professional students—No more than $65,500 of this amount may be in subsidized loans. The graduate aggregate limit includes all federal loans received for undergraduate study.

Scholarships and funding

Attendance cost

Cost of Attendance (CoA)

Breakdown of Costs

Loan Entitlement

Fees and Interest Rates