Cost of attendance: MD program
The cost of attendance (COA), also referred to as the “student budget,” is the estimated expenses a student will incur during the academic year for tuition and fees paid to Geisinger Commonwealth School of Medicine and for academic and living expenses related to enrollment.
Students should review the COA chart for each program and determine if the estimated expenses can be minimized in any way. If you need the full amounts listed for each expense item, then you will need financial assistance up to the total COA. However, living expenses are estimated and students may set an individual budget that is less than the total cost of attendance, thereby minimizing the amount needed to borrow. If needed, the financial aid office is available for budgeting assistance. See COA for more information on estimated living expenses according to your year of enrollment.
Budgets vary according to length of enrollment period and MD program year (example: MD1 period of enrollment is longer than MD2 period of enrollment and therefore has different living expense budgets).
Although a student’s non-tuition/fees costs vary considerably according to individual means, lifestyle choices and budgeting skills, federal aid regulations mandate that financial aid offices develop annual COA budgets that define and limit expenses eligible for financial aid funding. The COA budget provides for a modest but feasible student lifestyle in northeastern Pennsylvania.
The individual student budget components are described in the COA section of the Financial Aid Guidebook. Chapters 5 and 8 of the guidebook provide more detailed information on tuition and fees and COA. Living expenses listed are for independent graduate students not living with their parents. Living expenses will be less for students living with parents.
2024 — 2025
2024 – 2025 Pennsylvania resident cost of attendance*
* These amounts are pending for the 2024 – 2025 academic year until June 30, 2024, and are subject to change.
First year (9.5 months) 39 weeks
Class of 2028
PA resident
Educational expenses
Tuition: $61,492
Student services fee: $890
Technology fee: $1,776
Books/medical equipment: $3,000
Estimated health insurance: $5,000
USMLE: $0
Disability insurance: $50
Living expenses
Housing (rent/utilities): $10,531
Food: $4,513
Miscellaneous: $9,751
Transportation: $3,064
Loan origination fee: $3,000
Subtotal educational expenses: $72,208
Subtotal living expenses: $30,859
Total budget: $103,067
2024 – 2025 non-Pennsylvania resident cost of attendance*
* These amounts are pending for the 2024 – 2025 academic year until June 30, 2024, and are subject to change.
First year (9.5 months) 39 weeks
Class of 2028
Non-resident
Educational expenses
Tuition: $68,310
Student services fee: $890
Technology fee: $1,776
Books/medical equipment: $3,000
Estimated health insurance: $5,000
USMLE: $0
Estimated disability insurance: $50
Living expenses
Housing (rent/utilities): $10,531
Food: $4,513
Miscellaneous: $9,751
Transportation: $3,064
Loan origination fee: $3,000
Subtotal educational expenses: $79,026
Subtotal living expenses: $30,859
Total budget: $109,885
2024 – 2025 Pennsylvania resident cost of attendance*
* These amounts are pending for the 2024 – 2025 academic year until June 30, 2024, and are subject to change.
Second year (10 months)
Class of 2027
PA resident
Educational expenses
Tuition: $61,492
Student services fee: $890
Technology fee: $1,102
Books/medical equipment: $400
Estimated health insurance: $5,000
General fee (spring semester only): $200
Estimated disability insurance: $50
Living expenses
Housing (rent/utilities): $11,085
Food: $4,751
Miscellaneous: $10,264
Transportation: $3,226
Loan origination fee: $3,000
Subtotal educational expenses: $69,134
Subtotal living expenses: $32,325
Total budget: $101,459
2024 – 2025 non-Pennsylvania resident cost of attendance*
* These amounts are pending for the 2024 – 2025 academic year until June 30, 2024, and are subject to change.
Second year (10 months)
Class of 2027
Non-resident
Educational expenses
Tuition: $68,310
Student services fee: $890
Technology fee: $1,102
Books/medical equipment: $400
Estimated health insurance: $5,000
General fee (spring only): $200
Estimated disability insurance: $50
Living expenses
Housing (rent/utilities): $11,085
Food: $4,751
Miscellaneous: $10,264
Transportation: $3,226
Loan origination fee: $3,000
Subtotal educational expenses: $75,952
Subtotal living expenses: $32,325
Total budget: $108,277
2024 – 2025 Pennsylvania resident cost of attendance*
* These amounts are pending for the 2024 – 2025 academic year until June 30, 2024, and are subject to change.
Third year (11 months)
Class of 2026
PA resident
Educational expenses
Tuition: $61,492
Student services fee: $890
Technology fee: $1,102
Books/medical equipment: $2,500
Estimated health insurance: $5,000
USMLE: $1,340
Estimated disability insurance: $50
Living expenses
Housing (rent/utilities): $14,632
Food: $6,271
Miscellaneous: $13,548
Transportation: $4,258
Loan origination fee: $3,000
Subtotal educational expenses: $72,374
Subtotal living expenses: $41,709
Total budget: $114,083
2024 – 2025 non-Pennsylvania resident cost of attendance*
* These amounts are pending for the 2024 – 2025 academic year until June 30, 2024, and are subject to change.
Third year (11 months)
Class of 2026
Non-resident
Educational expenses
Tuition: $68,310
Student services fee: $890
Technology fee: $1,102
Books/medical equipment: $2,500
Estimated health insurance: $5,000
USMLE: $1,340
Estimated disability insurance: $50
Living expenses
Housing (rent/utilities): $14,632
Food: $6,271
Miscellaneous: $13,548
Transportation: $4,258
Loan origination fee: $3,000
Subtotal educational expenses: $79,192
Subtotal living expenses: $41,709
Total budget: $120,901
2024 – 2025
Direct cost: Tuition and fees (educational expenses)
Direct billable costs are those costs for which you will receive in an invoice from Geisinger Commonwealth School of Medicine (GCSOM). Tuition and fees are always direct billable costs.
Tuition for a research elective is charged on a per credit basis for the 2024 – 2025 academic year. The cost per credit is $270. Below are the other required program educational fees:
- Student technology fee: $550 ($275 per semester)
- Estimated health insurance fee: $5,000 ($2,500 per semester)
- Disability fee: $50
Indirect cost: Living expenses (non-educational expenses)
Indirect costs are costs you can incur while attending GCSOM, but not paid to GCSOM. Examples of indirect costs include books and supplies, transportation, personal expenses and off-campus living expenses.
Indirect costs are prorated according to the length of the student’s program and are listed below, per semester:
- Housing (rent/utilities): $11,085
- Food: $4,751
- Miscellaneous: $10,264
- Transportation: $3,226
- Loan origination fee: $408
If you do not need to borrow one or more of the indirect living expense resources listed above, you can reduce your student loan on Empower Web when accepting your financial aid award package.
2024 – 2025 Pennsylvania resident cost of attendance*
* These amounts are pending for the 2024 – 2025 academic year until June 30, 2024, and are subject to change.
Fourth year (10 months)
Class of 2025
PA resident
Educational expenses
Tuition: $61,492
Student services fee: $890
Technology fee: $1,102
Graduation fee: $230
Books/medical equipment: $500
Estimated health insurance: $5,000
Estimated disability insurance: $50
Living expenses
Housing (rent/utilities): $11,085
Food: $4,751
Miscellaneous: $10,264
Transportation: $3,226
Loan origination fee: $3,000
Subtotal educational expenses: $69,264
Subtotal living expenses: $32,325
Total budget: $101,589
2024 – 2025 non-Pennsylvania resident cost of attendance*
* These amounts are pending for the 2024 – 2025 academic year until June 30, 2024, and are subject to change.
Fourth year (10 months)
Class of 2025
Non-resident
Educational expenses
Tuition: $68,310
Student Service Fee: $890
Technology fee: $1,102
Graduation fee: $230
Books/medical equipment: $500
Estimated health insurance: $5,000
Estimated disability insurance: $50
Living expenses
Housing (rent/utilities): $11,085
Food: $4,751
Miscellaneous: $10,264
Transportation: $3,226
Loan origination fee: $3,000
Subtotal educational expenses: $76,082
Subtotal living expenses: $32,325
Total budget: $108,407
2023 — 2024
2023 – 2024 Pennsylvania resident cost of attendance*
* These amounts are pending for the 2023 – 2024 academic year until June 30, 2023, and are subject to change.
First year (9.5 months) 39 weeks
Class of 2027
PA resident
Educational expenses
Tuition: $60,286
Student services fee: $870
Technology fee: $1,740
Books/medical equipment: $2,000
Estimated health insurance: $5,000
USMLE: $0
Disability insurance: $50
Living expenses
Rent/utilities: $9,845
Food: $4,219
Miscellaneous: $9,553
Transportation: $2,919
Subtotal educational expenses: $69,946
Subtotal living expenses: $26,536
Total budget: $96,482
2023 – 2024 non-Pennsylvania resident cost of attendance*
* These amounts are pending for the 2023 – 2024 academic year until June 30, 2023, and are subject to change.
First year (9.5 months) 39 weeks
Class of 2027
Non-resident
Educational expenses
Tuition: $66,970
Student services fee: $870
Technology fee: $1,740
Books/medical equipment: $2,000
Estimated health insurance: $5,000
USMLE: $0
Estimated disability insurance: $50
Living expenses
Rent/utilities: $9,845
Food: $4,219
Miscellaneous: $9,553
Transportation: $2,919
Subtotal educational expenses: $76,630
Subtotal living expenses: $26,536
Total budget: $103,166
2023 – 2024 Pennsylvania resident cost of attendance*
* These amounts are pending for the 2023 – 2024 academic year until June 30, 2024, and are subject to change.
Second year (10 months)
Class of 2026
PA resident
Educational expenses
Tuition: $60,286
Student services fee: $870
Technology fee: $1,080
Books/medical equipment: $300
Estimated health insurance: $5,000
USMLE: $985
Estimated disability insurance: $50
Living expenses
Rent/utilities: $10,363
Food: $4,441
Miscellaneous: $10,056
Transportation: $3,073
Subtotal educational expenses: $68,571
Subtotal living expenses: $27,933
Total budget: $96,504
2023 – 2024 non-Pennsylvania resident cost of attendance*
* These amounts are pending for the 2023 – 2024 academic year until June 30, 2024 and are subject to change.
Second year (10 months)
Class of 2026
Non-resident
Educational expenses
Tuition: $66,970
Student services fee: $870
Technology fee: $1,080
Books/medical equipment: $300
Estimated health insurance: $5,000
USMLE: $985
Estimated disability insurance: $50
Living expenses
Rent/utilities: $10,363
Food: $4,441
Miscellaneous: $10,056
Transportation: $3,073
Subtotal educational expenses: $75,255
Subtotal living expenses: $27,993
Total budget: $103,188
2023 – 2024 Pennsylvania resident cost of attendance*
* These amounts are pending for the 2023 – 2024 academic year until June 30, 2024, and are subject to change.
Third year (11 months)
Class of 2025
PA resident
Educational expenses
Tuition: $60,286
Student services fee: $870
Technology fee: $1,080
Books/medical equipment: $1,470
Estimated health insurance: $5,000
USMLE: $985
Estimated disability insurance: $50
Living expenses
Rent/utilities: $12,540
Food: $5,374
Miscellaneous: $12,168
Transportation: $3,718
Subtotal educational expenses: $69,741
Subtotal living expenses: $33,800
Total budget: $103,541
2023 – 2024 non-Pennsylvania resident cost of attendance*
* These amounts are pending for the 2023 – 2024 academic year until June 30, 2024, and are subject to change.
Third year (11 months)
Class of 2025
Non-resident
Educational expenses
Tuition: $66,970
Student services fee: $870
Technology fee: $1,080
Books/medical equipment: $1,470
Estimated health insurance: $5,000
USMLE: $985
Estimated disability insurance: $50
Living expenses
Rent/utilities: $12,540
Food: $5,374
Miscellaneous: $12,168
Transportation: $3,718
Subtotal educational expenses: $76,425
Subtotal living expenses: $33,800
Total budget: $110,225
2023 – 2024
Direct cost: Tuition and fees (educational expenses)
Direct billable costs are those costs for which you will receive in an invoice from Geisinger Commonwealth School of Medicine (GCSOM). Tuition and fees are always direct billable costs.
Tuition for a research elective is charged on a per credit basis for the 2023 – 2024 academic year. The cost per credit is $265. Below are the other required program educational fees:
- Student technology fee: $540 ($270 per semester)
- Estimated health insurance fee: $5,000 ($2,500 per semester)
- Disability fee: $50
Indirect cost: Living expenses (non-educational expenses)
Indirect costs are costs you can incur while attending GCSOM, but not paid to GCSOM. Examples of indirect costs include books and supplies, transportation, personal expenses and off-campus living expenses.
Indirect costs are prorated according to the length of the student’s program and are listed below, per semester:
- Rent/utilities: $10,363
- Food: $4,441
- Miscellaneous: $10,056
- Transportation: $3,073
If you do not need to borrow one or more of the indirect living expense resources listed above, you can reduce your student loan on Empower Web when accepting your financial aid award package.
2023 – 2024 Pennsylvania resident cost of attendance*
* These amounts are pending for the 2023 – 2024 academic year until June 30, 2023, and are subject to change.
Fourth year (10 months)
Class of 2024
PA resident
Educational expenses
Tuition: $60,286
Student services fee: $870
Technology fee: $1,080
Graduation fee: $225
Books/medical equipment: $700
Estimated health insurance: $5,000
USMLE: $0
Estimated disability insurance: $50
Living expenses
Rent/utilities: $10,363
Food: $4,441
Miscellaneous: $10,056
Transportation: $3,073
Subtotal educational expenses: $68,211
Subtotal living expenses: $27,933
Total budget: $96,144
2023 – 2024 non-Pennsylvania resident cost of attendance*
* These amounts are pending for the 2023 – 2024 academic year until June 30, 2023, and are subject to change.
Fourth year (10 months)
Class of 2024
Non-resident
Educational expenses
Tuition: $66,970
Student Service Fee: $870
Technology fee: $1,080
Graduation fee: $225
Books/medical equipment: $700
Estimated health insurance: $5,000
USMLE: $0
Estimated disability insurance: $50
Living expenses
Rent/utilities: $10,363
Food: $4,441
Miscellaneous: $10,056
Transportation: $3,073
Subtotal educational expenses: $74,895
Subtotal living expenses: $27,993
Total budget: $102,828