The annual cost of attendance, also referred to as the "student budget," represents the allowable costs for one academic year of study. These costs include tuition and fees; books, supplies, and equipment; a reasonable living allowance (food and housing), transportation, and miscellaneous personal expenses. The standard amount used by the medical school for living expenses is based on reasonable preferences and not on an individual's lifestyle and spending habits.
MD Degree 2024-25 Cost of Attendance Estimates
Tuition includes student fees and is subject to annual review and change by the Western Michigan University Homer Stryker M.D. School of Medicine Board of Directors.
- M1 (11 months, July-June)
Direct Costs
These costs are set by the medical school and will appear on your student account. Half of the tuition and textbooks are charged twice a year (during your M1 year, bills will be generated in June with a July 3 due date and in December with a January 15 due date).
Category Total Tuition $68,400 Textbooks $1,483 Direct Costs Total $69,883
Indirect/Variable CostsThese estimated costs are based on averages for each of the categories as determined by surveying students in your program and external research. These estimated expenses are not billed to you by the medical school, but can be used to help you budget your living expenses for the year.
Category Total Living Expenses (Food and Housing) $17,600 Personal $3,740 Books, Supplies (Learning Materials) $2,437 Transportation $3,960 Federal Student Loan Fees $1,927 Indirect/Variable Costs Total $29,664 Cost of Attendance Total (Direct and Indirect) $98,064
Federal student loan fees are based on average loan amounts borrowed in previous academic year. The 2024-25 federal Direct Loan origination fees are currently 1.057% for Unsubsidized loans, and 4.228% for Grad PLUS Loans. The fees are subtracted from the amount of loan money borrowed. *2025-26 Direct Loan origination fees and interest rates will be established in late spring or early summer.The cost to purchase a computer or health insurance premiums (for the student only) may be added on a case-by-case basis by submitting an Appeal for Individual Budget Increase form with proof of payment.
The medical school provides students with disability insurance and professional liability (malpractice) insurance.
- M2 (11 months, Late July-June)
Direct Costs
These costs are set by the medical school and will appear on your student account. Half of the tuition and textbooks are charged twice a year (during your M2 year, bills will be generated in June with a July 17 due date and in December with a January 15 due date).
Category Total Tuition $69,000 Textbooks $519 Direct Costs Total $69,519
Indirect/Variable CostsThese estimated costs are based on averages for each of the categories as determined by surveying students in your program and external research. These estimated expenses are not billed to you by the medical school, but can be used to help you budget your living expenses for the year.
Category Total Living Expenses (Food and Housing) $17,600 Personal $3,740 Books, Supplies (Learning Materials) $1,451 Transportation $3,960 USMLE Step 1 Exam Fee $790 Federal Student Loan Fees $1,999 Indirect/Variable Costs Total $29,540 Cost of Attendance Total (Direct and Indirect) $98,540
Federal student loan fees are based on average loan amounts borrowed in previous academic year. The 2024-25 federal Direct Loan origination fees are currently 1.057% for Unsubsidized loans, and 4.228% for Grad PLUS Loans. The fees are subtracted from the amount of loan money borrowed. *2025-26 Direct Loan origination fees and interest rates will be established in late spring or early summer.The cost to purchase a computer or health insurance premiums (for the student only) may be added on a case-by-case basis by submitting an Appeal for Individual Budget Increase form with proof of payment.
The medical school provides students with disability insurance and professional liability (malpractice) insurance.
- M3 (12 months, June-May)
Direct Costs
These costs are set by the medical school and will appear on your student account. Half of the tuition and textbooks are charged twice a year (during your M3 year, bills will be generated in June with a June 19 due date and in December with a January 15 due date).
Category Total Tuition $70,650 Textbooks $499 Direct Costs Total $71,149
Indirect/Variable CostsThese estimated costs are based on averages for each of the categories as determined by surveying students in your program and external research. These estimated expenses are not billed to you by the medical school, but can be used to help you budget your living expenses for the year.
Category Total Living Expenses (Food and Housing) $19,200 Personal $4,080 Books, Supplies (Learning Materials) $935 Transportation $5,640 USMLE Step 2 Exam Fee $700 Federal Student Loan Fees $2,091 Indirect/Variable Costs Total $32,646 Cost of Attendance Total (Direct and Indirect) $103,296
Federal student loan fees are based on average loan amounts borrowed in previous academic year. The 2024-25 federal Direct Loan origination fees are currently 1.057% for Unsubsidized loans, and 4.228% for Grad PLUS Loans. The fees are subtracted from the amount of loan money borrowed. *2025-26 Direct Loan origination fees and interest rates will be established in late spring or early summer.The cost to purchase a computer or health insurance premiums (for the student only) may be added on a case-by-case basis by submitting an Appeal for Individual Budget Increase form with proof of payment.
The medical school provides students with disability insurance and professional liability (malpractice) insurance.
- M4 (12 months, June-May)
Direct Costs
The cost is set by the medical school and will appear on your student account. Half of the tuition is charged twice a year (during your M4 year, bills will be generated in May with a June 12 due date and in November with a November 27 due date).
Category Total Tuition $70,650 Direct Costs Total $70,650
Indirect/Variable CostsThese estimated costs are based on averages for each of the categories as determined by surveying students in your program and external research. These estimated expenses are not billed to you by the medical school, but can be used to help you budget your living expenses for the year.
Category Total Living Expenses (Food and Housing) $19,200 Personal $4,080 Books, Supplies (Learning Materials) $436 Transportation $5,640 Residency Interviews/ERAS Application Fees $1,700 USMLE Step 2 CK Travel $200 Federal Student Loan Fees $1,804 Indirect/Variable Costs Total $33,060 Cost of Attendance Total (Direct and Indirect) $103,710
Federal student loan fees are based on average loan amounts borrowed in previous academic year. The 2024-25 federal Direct Loan origination fees are currently 1.057% for Unsubsidized loans, and 4.228% for Grad PLUS Loans. The fees are subtracted from the amount of loan money borrowed. *2025-26 Direct Loan origination fees and interest rates will be established in late spring or early summer.The cost to purchase a computer or health insurance premiums (for the student only) may be added on a case-by-case basis by submitting an Appeal for Individual Budget Increase form with proof of payment.
The medical school provides students with disability insurance and professional liability (malpractice) insurance.
MD Degree 2025-26 Cost of Attendance Estimates
Tuition includes student fees and is subject to annual review and change by the Western Michigan University Homer Stryker M.D. School of Medicine Board of Directors.
- M1 (11 months, July-June)
Direct Costs
These costs are set by the medical school and will appear on your student account. Half of the tuition and textbooks are charged twice a year (during your M1 year, bills will be generated in June with a July 2 due date and in December with a January 14 due date).
Category Total Tuition $69,800 Textbooks $1,113 Direct Costs Total $70,913
Indirect/Variable CostsThese estimated costs are based on averages for each of the categories as determined by surveying students in your program and external research. These estimated expenses are not billed to you by the medical school but can be used to help you budget your living expenses for the year.
Category Total Living Expenses (Food and Housing) $20,900 Personal $3,740 Books, Supplies (Learning Materials) $1,202 Transportation $3,960 Federal Student Loan Fees $2,019 Indirect/Variable Costs Total $31,821 Cost of Attendance Total (Direct and Indirect) $102,734
Federal student loan fees are based on average loan amounts borrowed in the previous academic year. The 2024-25 federal Direct Loan origination fees are currently 1.057% for Unsubsidized loans, and 4.228% for Grad PLUS Loans. The fees are subtracted from the amount of loan money borrowed. *2025-26 Direct Loan origination fees and interest rates will be established in late spring or early summer.The cost to purchase a computer or health insurance premiums (for the student only) may be added on a case-by-case basis by submitting an Appeal for Individual Budget Increase form with proof of payment.
The medical school provides students with disability insurance and professional liability (malpractice) insurance.
- M2 (11 months, July-June)
Direct Costs
These costs are set by the medical school and will appear on your student account. Half of the tuition and textbooks are charged twice a year (during your M2 year, bills will be generated in June with a July 16 due date and in December with a January 14 due date).
Category Total Tuition $70,400 Textbooks $599 Direct Costs Total $70,999
Indirect/Variable CostsThese estimated costs are based on averages for each of the categories as determined by surveying students in your program and external research. These estimated expenses are not billed to you by the medical school but can be used to help you budget your living expenses for the year.
Category Total Living Expenses (Food and Housing) $20,900 Personal $3,740 Books, Supplies (Learning Materials) $580 Transportation $3,960 USMLE Step 1 Exam Fee $790 Federal Student Loan Fees $2,087 Indirect/Variable Costs Total $32,057 Cost of Attendance Total (Direct and Indirect) $103,056
Federal student loan fees are based on average loan amounts borrowed in the previous academic year. The 2024-25 federal Direct Loan origination fees are currently 1.057% for Unsubsidized loans, and 4.228% for Grad PLUS Loans. The fees are subtracted from the amount of loan money borrowed. *2025-26 Direct Loan origination fees and interest rates will be established in late spring or early summer.The cost to purchase a computer or health insurance premiums (for the student only) may be added on a case-by-case basis by submitting an Appeal for Individual Budget Increase form with proof of payment.
The medical school provides students with disability insurance and professional liability (malpractice) insurance.
- M3 (11 months, June-May)
Direct Costs
These costs are set by the medical school and will appear on your student account. Half of the tuition and textbooks are charged twice a year (during your M3 year, bills will be generated in June with a June 18 due date and in October with a November 12 due date).
Category Total Tuition $71,050 Textbooks $100 Direct Costs Total $71,150
Indirect/Variable CostsThese estimated costs are based on averages for each of the categories as determined by surveying students in your program and external research. These estimated expenses are not billed to you by the medical school but can be used to help you budget your living expenses for the year.
Category Total Living Expenses (Food and Housing) $20,900 Personal $3,740 Books, Supplies (Learning Materials) $240 Transportation $5,170 USMLE Step 2 Exam Fee $680 Federal Student Loan Fees $1,976 Indirect/Variable Costs Total $32,706 Cost of Attendance Total (Direct and Indirect) $103,856
Federal student loan fees are based on average loan amounts borrowed in the previous academic year. The 2024-25 federal Direct Loan origination fees are currently 1.057% for Unsubsidized loans, and 4.228% for Grad PLUS Loans. The fees are subtracted from the amount of loan money borrowed. *2025-26 Direct Loan origination fees and interest rates will be established in late spring or early summer.The cost to purchase a computer or health insurance premiums (for the student only) may be added on a case-by-case basis by submitting an Appeal for Individual Budget Increase form with proof of payment.
The medical school provides students with disability insurance and professional liability (malpractice) insurance.
- M4 (12 months, June-May)
Direct Costs
These costs are set by the medical school and will appear on your student account. Half of the tuition and textbooks are charged twice a year (during your M4 year, bills will be generated in May with a June 11 due date and in November with a November 26 due date).
Category Total Tuition $72,750 Direct Costs Total $72,750
Indirect/Variable CostsThese estimated costs are based on averages for each of the categories as determined by surveying students in your program and external research. These estimated expenses are not billed to you by the medical school but can be used to help you budget your living expenses for the year.
Category Total Living Expenses (Food and Housing) $22,800 Personal $4,080 Books, Supplies (Learning Materials) $200 Transportation $5,640 Residency Application and Interview Expenses $1,700 USMLE Step 2 CK Travel $200 Federal Student Loan Fees $2,076 Indirect/Variable Costs Total $36,696 Cost of Attendance Total (Direct and Indirect) $109,446
Federal student loan fees are based on average loan amounts borrowed in the previous academic year. The 2024-25 federal Direct Loan origination fees are currently 1.057% for Unsubsidized loans, and 4.228% for Grad PLUS Loans. The fees are subtracted from the amount of loan money borrowed. *2025-26 Direct Loan origination fees and interest rates will be established in late spring or early summer.The cost to purchase a computer or health insurance premiums (for the student only) may be added on a case-by-case basis by submitting an Appeal for Individual Budget Increase form with proof of payment.
The medical school provides students with disability insurance and professional liability (malpractice) insurance.
Master's Degree 2024-2025 Cost of Attendance Estimates
Tuition rates are subject to annual review and change by the Western Michigan University Homer Stryker M.D. School of Medicine Board of Directors.
- Biomedical Sciences (9 months, July-May)
Direct Costs
These costs are set by the medical school and will appear on your student account. Half of the tuition and textbooks are charged twice a year (bills will be generated in June with a July 3 due date and in December with a January 15 due date).
Category Total Tuition $35,200 Textbooks $220 Direct Costs Total $35,420
Indirect/Variable CostsThese estimated costs are based on averages for each of the categories as determined by surveying students at the medical school and external research. These estimated expenses are not billed to you by the medical school, but can be used to help you budget your living expenses for the year.
Category Total Living Expenses (Food and Housing) $14,400 Personal $3,060 Books, Supplies (Learning Materials) $1,069 Computer $3,000 Transportation $3,240 Indirect/Variable Costs Total $24,769 Cost of Attendance Total (Direct and Indirect) $59,969
Federal student loan fees are calculated on a case-by-case and based on the federal Direct Unsubsidized loan eligibility in the program. The 2024-25 federal Direct Loan origination fee is currently 1.057% for Unsubsidized loans 4.228% and is subtracted from the amount of loan money borrowed. *2025-26 Direct Loan origination fees and interest rates will be established in late spring or early summer.The cost of health insurance premiums (for the student only) may be added on a case-by-case basis by submitting an Appeal for Individual Budget Increase form with proof of payment.
Master's Degree 2025-2026 Cost of Attendance Estimates
Tuition rates are subject to annual review and change by the Western Michigan University Homer Stryker M.D. School of Medicine Board of Directors.
- Biomedical Sciences (9 months, July-May)
Direct Costs
These costs are set by the medical school and will appear on your student account. Half of the tuition and textbooks are charged twice a year (during your M1 year, bills will be generated in June with a July 2 due date and in December with a January 14 due date).
Category Total Tuition $35,200 Textbooks $220 Direct Costs Total $35,420
Indirect/Variable CostsThese estimated costs are based on averages for each of the categories as determined by surveying students in your program and external research. These estimated expenses are not billed to you by the medical school but can be used to help you budget your living expenses for the year.
Category Total Living Expenses (Food and Housing) $17,100 Personal $3,060 Books, Supplies (Learning Materials) $607 Transportation $3,240 Indirect/Variable Costs Total $24,007 Cost of Attendance Total (Direct and Indirect) $59,427
Federal student loan fees are calculated on a case-by-case basis and based upon the Federal Direct Unsubsidized Loan eligibility in the program. The 2024-25 federal Direct Loan origination fees are currently 1.057% for Unsubsidized loans. The fees are subtracted from the amount of loan money borrowed. *2025-26 Direct Loan origination fees and interest rates will be established in late spring or early summer.The cost to purchase a computer or health insurance premiums (for the student only) may be added on a case-by-case basis by submitting an Appeal for Individual Budget Increase form with proof of payment.
Additional Information
- Appeal for an Individual Budget Increase
Students may request consideration for an increase in their student budget, or Cost of Attendance, for education-related expenses incurred during the academic year and not already included in the Cost of Attendance. These may include dependent care expenses, health care insurance premiums, medical or dental uninsured expenses, emergency car repairs, and computer/laptop purchases. The Office of Financial Aid reviews requests and makes decisions for individual budget increases on a case-by-case basis. Submission of a request does not assure approval. Please email financialaid@wmed.edu for more information.
- Tuition Refunds
The medical school has a tuition refund policy that stipulates the amount of tuition charges that are refunded to a student who withdraws from all or a portion of classes during a term/semester. Students who obtain written approval from the associate dean for Student Affairs to officially withdraw from a term/semester or a degree/certificate program, or take an approved leave of absence for students in the MD degree program, may be eligible for a full or partial tuition refund that has been assessed by the medical school and also that has been paid by the student, according to the following guidelines:
Tuition Refund Schedule
Withdrawal Date Tuition Refunded Before the 1st day of the term or semester 100% of tuition The 1st through 7th calendar day of the term or semester 100% of tuition The 8th through 14th calendar day of the term or semester 75% of tuition The 15th through 21st calendar day of the term or semester 50% of tuition The 22nd through 28th calendar day of the term or semester 25% of tuition After the 28th calendar day of the term or semester 0% of tuition
Tuition refunds are generally not granted after the deadlines but exceptions may be made on a case-by-case basis when illness, death, involuntary call to military service, administrative error, or other exceptional circumstance exists.Refer to the Financial Aid Policy Manual for more specific information.