Calculate Your Financial Aid Budget
The Cost of Attendance (commonly referred to as the budget) includes curriculum costs as well as living expenses and is determined by your residency classification and living arrangements (i.e. with parents or off-campus). This budget uses average costs provided by a survey of medical and dental students and covers everything from tuition to toothpaste.
Financial aid will always cover tuition and fees imposed by the University, required books, instruments and fees required by the College of Dentistry. Other items are allowances for living costs you will incur and are based on the survey mentioned above, the community standards, and the Consumer Price Index.
WHAT CAN BE ADDED TO THE BUDGET:
Child Care
Cost of professional child care up to the cost allowance for a
single parent or a partial
amount for married parents may be added to the budget. Documentation is required.
Transportation
Allowance
The cost of car operation including
gasoline and minor upkeep for local travel. If you are a resident of a state
other than Kentucky, the cost of one round trip
may be included upon request and with documentation.
Loan Fees
charged by lenders of the federal Stafford or Federal Direct Loan
and private loans for origination and insurance premiums.
Extraordinary medical
and dental expenses
incurred by the student, if costs are not covered by insurance,
including immunizations. Up to $500 of documented cost can be added
at the discretion of the Financial Aid Coordinator
WHAT CANNOT BE ADDED TO THE BUDGET:
Consumer debt
including student loans, personal loans, car loans or car payments.
Do your best to eliminate debt before beginning your career in
dental school.
Cost of living for dependents
spouse and/or children, parents or siblings.
Your financial aid covers only your cost of living. Students with
dependents who have no other means of support are urged to consult
social services agencies for assistance.
Moving costs, or rent
or mortgage payments
that are greater than the standard amount
budgeted. Financial aid
covers basic living expenses associated with a student's education.
Interviews for residency
or advanced education programs or the cost of state board exams.
The Department of Education considers the expense of residency
interviews to be a career cost, not an educational one. National
Board exams are covered but state boards are not. There are special
loans for this type of expense (Residency/Relocation Loan Program).
A Sample Budget, Depending on Your Status as 1st, 2nd, 3rd, or 4th Year Student Dentist
COST OF ATTENDANCE FOR 2012 - 2013
CURRICULUM EXPENSES |
Dent I |
Dent II |
Dent III |
Dent IV |
| Tuition & Fees* | ||||
| Kentucky Resident | $ 28,458.00 | $ 28,458.00 | $ 28,458.00 | $ 28,458.00 |
| Non-Resident | $ 58,086.00 | $ 58,086.00 | $ 58,086.00 | $ 58,086.00 |
| Instruments | $ 5,652.00 | $ 6,282.00 | $ 82.00 | $ - |
| Prepared Tray Service (sterilization) | $ 1,312.00 | $ 1,312.00 | $ 1,312.00 | $ 1,312.00 |
| CPR | $ 46.00 | $ - | $ 36.00 | $ - |
| Required Books/Manuals | $ 2,002.00 | $ 2,612.00 | $ 2,660.00 | $ 568.00 |
| Supplies | $ 1,190.00 | $ 1,694.00 | $ 410.00 | $ 2.00 |
| National Board Exams (taken by computer) | $ - | $ 346.00 | $ - | $ 390.00 |
| Licensure Exams/KY Application Fee/Juris Prudence Fee | $ - | $ - | $ - | $ 3,010.00 |
| Other Fees** | $ 246.00 | $ 494.00 | $ 284.00 | $ 90.00 |
| Total Resident Curriculum Costs | $ 38,906.00 | $ 41,198.00 | $ 33,242.00 | $ 33,830.00 |
| Total Non-Resident Curriculum Costs | $ 68,534.00 | $ 70,826.00 | $ 62,870.00 | $ 63,458.00 |
| * Mandartory fees are $620.50 per semester and include such things as the student health fee, activity fee, technology fee Seaton Center fee, and are required of students attending the University of Kentucky and all of its Colleges. | ||||
| ** Other fees include course evaluation fee for 1st, 2nd, 3rd, & 4th year, standardized patient fee for 2nd & 3rd year, clinical management fee for 2nd, 3rd, & 4th year and pre-clinical supply fee for 1st, 2nd, 3rd, and 4th year. | ||||
| LIVING EXPENSES FOR 11 MONTHS* | ||||
| Rent ($700.00mth x 11mth) | $ 7,700.00 | |||
| Utilities (gas, electric, phone, internet)($250.00mth x 11mth) | $ 2,750.00 | |||
| Food ($400.00mth x 11mth) | $ 4,400.00 | |||
| Transporation (gas, insurance, maintenance, parking)($250.00mth x 11mth) | $ 2,750.00 | |||
| Personal (miscellaneous, clothing) ($200.00mth x 11mth) | $ 2,200.00 | |||
| Health Insurance | $ 1,250.00 | |||
| Renter/House Insurance | $ 200.00 | |||
| TOTAL LIVING EXPENSES | $ 21,250.00 | |||
| * Living expense budgets are for the student ONLY, and will be increased for documented licensed child day care expenses. The living expense amounts are based on a collective annual survey by currently enrolled dental and medical students along with information derived from the Federal Consumer Price Index. | ||||
| COST OF ATTENDANCE - KY RESIDENT | $ 60,156.00 | $ 62,448.00 | $ 54,492.00 | $ 55,080.00 |
| COST OF ATTENDANCE - NON-RESIDENT | $ 89,784.00 | $ 92,076.00 | $ 84,120.00 | $ 84,708.00 |
| The average indebtedness for the University of Kentucky College of Dentistry Class of 2012 is approximately $174,193, this includes loans they borrowed while Undergraduates. | ||||
Send comments to Al Kaplan, Last Modified: May 17, 2012
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