Out-of-Pocket Cost Estimator for New Students

Estimate your out-of-pocket cost to attend

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At this time the estimator is exclusively for undergraduate students. At this time the estimator is exclusively for full-time students. For undergraduate students enrolled in less than 12 credits, tuition is charged per credit and aid is prorated (6–8 cr = 50% of Andrews funds, 9–11 cr = 75%; federal Pell and loans are prorated; Michigan aid requires full-time). At this time the estimator is exclusively for the 2026-27 school year.

Nearly 100% of Andrews students receive scholarships or financial aid.

Let's find yours! Answer a few questions and we'll build your personal estimate.

1

About you

Applying to the main campus in Michigan as an undergraduate student:

Incoming freshman

Transfer student

Where do you live? If you will be studying on a student visa, select Canada or Other country, as may be the case. If you are a U.S. citizen living abroad, select Other U.S. state.

Michigan

Another U.S. state

Canada

Other country

Canadian citizens may be eligible for additional support. Contact AU Student Financial Services.

As an international student, you automatically receive the maximum $14,000 Andrews Partnership Scholarship.

High school GPA (4.0 scale)

Test scores Official test scores must be submitted to undergraduate admissions.

No test scores? No problem! We can calculate your APS on the basis of GPA alone. If you have test scores later on, you can enter them for a potentially higher APS.

Score

National Merit Finalist Scholar or College Board School Recognition Program ScholarAn earned academic honor. Certificate and/or official test scores must be provided to undergraduate admissions.

Estimated annual Andrews Partnership Scholarship (APS) Enter GPA to estimate

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Dependency status For United States students, this classification is based on the FAFSA definition of dependency (studentaid.gov).

Dependent Claimed on a parent's tax return

Independent Filed taxes on your own

As a dependent, I have a parent who is an Andrews University employee or a denominational employee eligible for dependent tuition subsidy.

2

Housing, dining, academic supplies & health insurance

Where will you live? Andrews University is operated as a residential university—all single undergraduate students under age 22 live in a University residence hall (unless living with an approved family member or Andrews faculty or staff member).

On campus

With parents / guardian

Off campus

Residence hallWho lives where: Lamson (women) and Meier (men) are for unmarried undergraduates under 22; Burman and Damazo (University Towers) are for unmarried students 22+ and graduate students — Burman has shared kitchens, Damazo has in-room kitchens.

Room occupancyDouble means that you will share the room with a roommate. Single rooms are subject to availability.

Double

Single

Meal plan — required for residents under 22Both plans include cafeteria dining; Platinum costs more and provides a larger dining allowance than Gold. Residents under 22 are required to have a meal plan.

Gold $5,484 / yr

Platinum $6,568 / yr

Estimated off-campus housing & food for the year

Add books & supplies — $1,200 estimate / yr Add student health insurance — $1,988 / yearAndrews offers a student health insurance plan. Add it here if you'll need coverage. See student insurance details.

3

Other scholarships & grants

For the most accurate estimate, file your 26-27 FAFSA first at studentaid.gov. It is free and usually takes under an hour. This will give you your Student Aid Index (SAI) — the number that determines your Federal Pell Grant amount and your eligibility for federal loans and for the Michigan Achievement Scholarship.

I've filed my FAFSA and know my SAIEnter your SAI once — we'll estimate your Federal Pell Grant and check Michigan eligibility.

Your SAI (Student Aid Index)

Federal Pell GrantNeed-based. If you entered your SAI above we estimate this automatically; otherwise enter your expected amount.

Michigan Achievement Scholarship — $5,500Michigan resident since July 1 of the prior calendar year, full-time student, SAI 30,000 or less, graduate from a Michigan high school (or achieve a high school equivalency certificate), and enroll in an eligible college or university within 15 months of graduation.Both boxes must be checked to qualify for this scholarship (see details in the info note).

I am a Michigan resident. I graduated from a Michigan high school.

Leadership Scholarship — $750Awarded to all first-time freshmen — no application needed. It's a one-time scholarship of $375 per semester for your first year ($750 total). When you come to Andrews, we believe you're already committed to becoming a World Changer, and we're recognizing that as you start your journey with us. Music Performance ScholarshipRequires an application and audition; awards depend on the ensemble's needs and are not guaranteed simply by participating. Open to non-music majors. Scholarship given upon receipt of an award letter from the Department of Music.

Summer Ministries / Camp — $250 per weekUp to 13 weeks ($3,250). Enter weeks worked.

Magabooks / Literature Evangelism match — up to $3,100Matches 50% of your net summer Literature-Evangelism earnings (earnings cap $6,200). Your full net earnings must be posted to your student account before the match is applied.

Your net summer earnings

Student Missionary / Taskforce — $1,500A one-year award split over two semesters ($750 each), for returning students who served as a Student Missionary or Taskforce Volunteer through Andrews and re-enroll full-time. A transfer student who just completed a year as a student missionary/taskforce may be considered case-by-case — contact the AU Office of Student Service & Missions. External scholarshipsAwards from other organizations. Click here for ideas.

4

Subsidy support

Andrews University employee dependentDependents of full-time AU employees receive a 35% subsidy on tuition and general fees if living at home, or a 60% subsidy on tuition and general fees (plus a Tuition Guarantee on the remaining tuition) if living in the residence halls.

Denominational employee dependentSome denominational employees are eligible for a tuition subsidy benefit for dependents. To obtain the maximum subsidy, it is typically required that the student live in the residence hall. Kindly consult HR at your employing organization to determine eligibility.

Subsidy as % of AU tuition and general fees (alternatively, enter the USD amount of subsidy)

Aid found

$0

Out-of-pocket

$0

For the full School Year · Fall and Spring semesters

The Bottom Line

Tell us a little about yourself

And we'll build your personalized
Bottom Line here.

Cost of attendance

Estimated total cost$0

Scholarships & grants

You've found

$0

in scholarships & grants — money you never repay

Enter your GPA to reveal your aid

Talk with an advisor about your number →

Ways to cover the net price

Campus employment (during academic periods)Work on campus during the academic semester, as available. 20 hrs/week earns about $7,000, based on Michigan minimum wage. You can see current student job postings here. Check back often as new listings are added frequently, especially near the beginning of a new semester.

Hours per week (max 20)

≈ $7,000 / year

Campus employment (during summer/breaks)Work on campus during the summer/breaks, as available. 40 hrs/week for 20 weeks earns about $10,000, based on Michigan minimum wage. International students are permitted to work up to 40 hours/week on campus during summer and break periods.

Hours per week (max 40)Number of weeks (max 20)

≈ $0 / year

Off-campus employment during the school yearEstimated off-campus earnings during the school year semesters that you'll put toward costs.

Estimated earnings for the year

Estimated summer earnings availableAn incoming undergraduate student typically earns between $2,500 and $4,500 during the summer preceding university.

Estimated summer earnings

Federal loansIn the United States, a first-time/transfer undergraduate student who borrows federal loans takes out an annual average of about $5,500. Qualifying amounts in your case may be greater or less than this average. Adjust the figure to the estimated amount you plan to borrow. For dependent students, a Parent PLUS Loan may cover the rest. Uncheck if you estimate no federal loans.

Estimated amount for the year

On a student visa, off-campus employment and U.S. federal loans are generally not available. On-campus employment is still allowed (up to 20 hours per week while school is in session; up to 40 hours per week during the summer and breaks).

Estimated out-of-pocket

$0

about $0 per semester · after aid, work, and loans

Enter your GPA to reveal your estimate

Your Estimated Out-of-Pocket may be even better than you think! Talk with a Student Financial Advisor today.

Payment plan on your semester out-of-pocket Andrews offers a 3% rebate for full-time students who pay out-of-pocket expenses for the full year by August 15. Similarly, a 1% rebate for full-time students who pay out-of-pocket expenses for the semester.

3-month plan

4-month plan

60% due by August (prior to moving in)$0

Then 3 monthly payments (Sep–Nov)$0 ×3

Still have need?
You may qualify for additional help. It's determined case-by-case, so contact Student Financial Services for a personal review.

Next steps

Apply to be a student Enroll in classes Talk with Student Financial Services

Get a personalized award and answers from the official Financial Aid Office · 269-471-3334 · sfs@andrews.edu

Email my estimate to

Disclaimer: This is an informational estimate based on current university fee schedules and is not a binding financial contract. Final tuition, fees, and financial aid awards are determined exclusively by the University Financial Aid office.

Aid found$0

Out-of-pocket / yr$0

Office of Student Financial Services · andrews.edu/services/sfs/contact · 269-471-3334 · sfs@andrews.edu

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